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AON is a global professional services firm that provides liability, car, travel and home insurance to thousands of people across Australia. AON landlord insurance is designed to protect your property and the contents inside it from fire, theft and other types of damage. It currently provides two types of landlord insurance, one of which lets you tailor cover to your specific needs.
We don't currently have this brand on our panel. But don't fret! You can head to the EBM website or compare a bunch of other landlord insurance companies with Finder.
AON offers two types of landlord insurance policies. Here's what they do.
Rental Protection Plus Advantage
Rental Protection Plus Advantage includes set cover for your property's contents (worth up to $50,000) and loss of rent as an optional extra. You can also get cover for malicious and accidental damage and legal liability for up to $20 million if someone tries to sue you. This policy comes with a basic excess of $100.
Rental Protection Plus
This is a landlord insurance policy that lets you choose what you're covered for, including building insurance. The cost of a policy will depend on what you want covered and the excess you choose.
Compare the main policies
The table below outlines some of the main benefits included with AON landlord insurance policies.
Insured event
Rental Protection Plus Advantage
Rental Protection Plus
Storm
Malicious & Accidental Damage
$50,000
$50,000
Fire
Damage by pets
$2,500
$2,500
Flood
Here are some more benefits you'll get with an AON policy.
More benefits
Rental Protection Plus Advantage
Rental Protection Plus
Public Liability
$20,000,000
$20,000,000
Contents
$50,000
$50,000
Illegal Drug Protection
$20,000
$20,000
Building
The table below outlines the optional add-ons with AON policies. By paying extra each month you can get protected for the following:
Optional add-ons
Rental Protection Plus Advantage
Rental Protection Plus
Loss of Rent
Up to $50,000 (Max of 25 weeks)
Up to $50,000 (Max of 25 weeks)
Rent Default & Theft
AON's excess explained
An excess is an amount that you need to contribute whenever you make a claim. All insurers generally require you to pay an excess. With an AON landlord insurance policy, the standard excess is usually $100. It may differ if you buy a Rental Protection Plus policy.
If you need to make a claim for damage or loss because of an earthquake, it's likely that you'll have to pay an additional excess of $250 on top of the standard excess. You might find that you have to pay additional excesses for other reasons but this should be outlined in your Certificate of Insurance.
Claiming with AON
To make an AON landlord insurance claim, you can call 1800 105 900 or complete the form and return it to newclaims@cgu.com.au. Before you submit your claim, it's worth noting that you'll need:
Information about what happened and when it occurred
To keep damaged items if possible to be inspected
Receipts, invoices, credit card statements, if possible
Photo evidence
Your policy number and other personal information
Frequently asked questions
Yes. You can get cover for up to 25 weeks or up to $50,000 as an optional extra.
Yes. AON covers some types of damage caused by tenants, like vandalism. But there are some conditions and exclusions which may apply. Ask an AON broker if you're unsure.
Yes. AON landlord insurance is available throughout Australia.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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