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Cancel Aon: The Right Way
How to cancel your aon insurance policy in new zealand and protect your refund
What aon is and why you might want to cancel
Aon is a global professional services firm that provides insurance broking, risk management and advisory solutions across New Zealand. The company helps individuals and businesses secure personal insurance (home, motor), commercial coverage and specialist industry-specific policies tailored to your unique needs.
You might decide to cancel your Aon insurance policy for several reasons: you've found a more competitive provider, your circumstances have changed, you no longer need the cover, or you want to switch to a different broker. Whatever your reason, Stopee is here to guide you through the process step by step so you understand your rights and maximise your chances of securing any refund you're entitled to.
When cancellation makes sense
Cancelling your Aon policy makes financial sense if you've compared quotes from competitors and found better value elsewhere. You should also cancel if your coverage no longer matches your life circumstances-for example, you've sold your vehicle, moved house, or restructured your business. Keep in mind that some policies include lock-in periods or short-rate penalties for early cancellation, so timing matters.
What you need to know before you cancel
Before you take action, review your policy documents carefully. Check whether you're within a cooling-off period (usually 14-30 days from purchase), whether premium funding is attached to your policy, and whether a broker placed the insurance on your behalf. These factors directly affect your refund amount and the cancellation process itself.
Your consumer rights when cancelling aon insurance
As a New Zealand consumer, you have legal protections when dealing with insurers and brokers, including Aon.
Key legal protections under new zealand law
The Fair Trading Act 1986 protects you by requiring Aon and any broker to provide accurate, transparent information about policy terms, premiums, fees and commissions. You have the right to clear disclosure before you purchase or renew. The Privacy Act 2020 also governs how Aon collects, uses and stores your personal data-they must handle it securely and only for legitimate purposes.
Most importantly, the Insurance Brokers (Conflicts of Interest) Regulations 2018 require brokers to act in your best interests and disclose any commissions or conflicts. If Aon or its brokers breach these obligations, you have grounds to escalate your complaint.
Dispute resolution and escalation pathways
If Aon refuses to process your cancellation or disputes your refund, you can lodge a formal complaint with the Financial Markets Authority (FMA) or the Insurance and Financial Services Ombudsman Scheme (IFSO). These bodies handle complaints free of charge and have the power to compel Aon to pay compensation if they find in your favour. Stopee recommends documenting every communication with Aon and keeping copies of all written correspondence-this evidence is crucial if you need to escalate.
Methods to cancel your aon insurance policy
Aon offers multiple cancellation pathways depending on how you originally purchased your policy and your preferred communication style.
Direct phone contact
The fastest method is to ring Aon's client service team directly. Have your policy number and personal details ready before you call. The team can discuss your cancellation, explain any fees or refund implications, and may offer retention deals. During the call, ask for the name and reference number of the staff member you speak with, and note the date and time.
Written cancellation by post or email
A written cancellation request creates a formal record and is often the safest approach. You can send your request by post to Aon's Auckland head office address or by email to the address shown on your policy documents. Written notice is especially important if you're mid-contract or suspect your refund might be disputed.
Through your broker
If a broker placed your Aon policy, you can request cancellation through them. Your broker has a duty to process your cancellation promptly and may be able to negotiate a better refund outcome. However, Warning: some brokers charge administration fees for cancellations, so confirm this before you proceed.
Step-by-step process to cancel your aon policy
Follow these clear steps to ensure your cancellation is processed correctly and your refund is handled fairly.
Prepare your cancellation details
- Locate your policy documents and extract the following information:
- Your full Aon policy number
- Your full name and date of birth
- Your current contact phone number and email address
- The effective cancellation date (the date from which you want cover to end)
- Your broker's name and phone number (if a broker placed the policy)
- Any premium funding provider details (if applicable)
- Check your policy schedule for any cooling-off period notice. If you're within 14-30 days of purchase, you may have automatic cancellation rights with a full refund.
- Review the section on early termination, short-rate clauses or cancellation fees. Note any fees that might apply-you'll want to discuss these with Aon before finalising.
Contact aon to initiate cancellation
- Call Aon's client service team (the number is on your policy or their website) during business hours. Pro tip: call early in the week when queues are shorter.
- State clearly that you wish to cancel your policy effective from a specific date. Provide your policy number and confirm your identity.
- Listen to Aon's explanation of any cancellation fees, short-rate penalties or refund timelines. Ask them to email you a summary of these terms within 24 hours.
- If you prefer a written record, ask Aon to email you a cancellation form to complete and return, or ask for the address to send your own written notice.
Submit your written cancellation request
- Draft a clear cancellation letter (or complete Aon's form if provided) that includes:
- Your policy number and full name
- The date you want the policy to end (effective cancellation date)
- A brief reason for cancellation (optional but helpful)
- Your contact details and preferred method of confirmation
- Your signature and date
- Send this letter by post to the Aon Auckland head office address (listed at the end of this guide) or email it to the address shown on your policy documents. If posting, use registered mail so you have proof of delivery.
- Pro tip: send your letter at least 14 days before your desired effective cancellation date. Many policies require this notice period, and early submission prevents disputes about when your notice was received.
- Keep a copy of your letter and the proof of posting (or email read receipt). This evidence is crucial if Aon later disputes your cancellation date.
Confirm receipt and obtain written confirmation
- Within 3-5 working days of posting or emailing your cancellation request, contact Aon again by phone to confirm they've received it and processed your request.
- Ask Aon to provide written confirmation of:
- The cancellation effective date
- The refund amount (if any)
- Any cancellation fees or short-rate amounts deducted
- The expected refund payment date
- A refund remittance method (bank account transfer, cheque or credit card)
- Request that Aon email this confirmation to you immediately. Warning: do not accept verbal promises alone-you need this in writing.
- If Aon refuses to provide written confirmation or disputes your requested cancellation date, escalate immediately to Stopee or the Financial Markets Authority.
Understanding refunds and what you're entitled to
Refunds are one of the most misunderstood aspects of cancellation, and insurers sometimes exploit this confusion to retain money that should be returned to you.
How aon calculates refunds
In most cases, Aon should refund a pro rata amount of your unused premium-that is, the premium you paid divided by the number of days in your policy period, multiplied by the number of days remaining after your cancellation date. For example, if you paid NZD 1,200 for a 365-day policy and cancel after 100 days, you've used 100 days of cover. The refund would be approximately NZD 880 (265 remaining days ÷ 365 days × NZD 1,200).
However, Warning: Aon may deduct cancellation fees, short-rate adjustments, or outstanding charges from this refund. Some commercial or specialist policies allow "short-rate" cancellation fees-a percentage deduction if you cancel before the policy term ends. These fees are legal if stated clearly in your policy wording, but you should always question them and request detailed calculations.
Common refund deductions and exceptions
| Deduction type | Typical amount | Avoidable? |
|---|---|---|
| Pro rata premium refund (standard) | Unused premium divided by policy term | No-this is normal |
| Short-rate or early cancellation fee | 5-25% of total premium | Negotiate or check policy wording for exemptions |
| Premium funding early repayment fee | Varies by funding provider | Check funding agreement; some fees are discretionary |
| Broker administration charge | NZD 50-150 | Query with your broker-this may not apply |
| Outstanding claims or liabilities | Amount of unpaid claim or debt | No-valid if a claim is pending |
| Credit card processing fee (if refunded to card) | 1-3% of refund | No-request bank transfer instead |
Refunds within the cooling-off period
If you cancel within 14-30 days of purchasing your Aon policy (check your documents for the exact period), you have the right to a full refund of all premiums paid, minus any reasonable costs Aon incurred to arrange your cover. These costs are usually minimal-perhaps NZD 25-50-but Aon must itemise them clearly. If Aon refuses a full cooling-off refund, contact the Financial Markets Authority immediately.
Refund payment timeline and follow-up
Aon must process refunds within a reasonable timeframe-typically 10-20 working days from the cancellation effective date. Pro tip: request a bank transfer rather than a cheque; transfers are faster and create a clearer record. If your refund doesn't arrive within 21 days, email Aon's finance team and reference your cancellation confirmation letter. Stopee recommends saving all bank statements and refund correspondence for your records.
What happens to your coverage and claims after cancellation
Understanding the moment at which your insurance cover ends is critical-coverage gaps can leave you exposed.
Coverage end date and claims cutoff
Your Aon insurance cover ends at midnight on the cancellation effective date you specified. Any incident, accident, loss or claim that occurs after that date is not covered unless Aon has agreed otherwise in writing. This means if you cancel your home insurance on 30 June and your house is burgled on 1 July, you cannot claim-cover has lapsed.
Warning: this is why timing your cancellation carefully is so important. Do not cancel your existing policy until you have confirmed that your new insurance provider's cover begins. Many people cancel too early and leave themselves uninsured for days or weeks.
Pending claims and their effect on your refund
If you've already lodged a claim with Aon before you cancel, or if a claim is under investigation, Aon will usually withhold any refund until the claim is resolved. This is legal and protects both you and Aon-if a claim is approved, the refund would be reduced by the claim payout anyway. Keep communicating with Aon's claims team about the status of your claim, and request an estimated timeline for resolution before you cancel.
Your information and future contact
After cancellation, Aon will update its systems and stop billing you. However, your personal information remains on file for regulatory, compliance and claims history purposes. Under the Privacy Act 2020, Aon can retain this data for a reasonable retention period-typically 7 years for insurance records. You can request a copy of your data or ask Aon to correct errors, and Stopee recommends doing so if you suspect inaccuracies that might affect future insurance applications.
Pricing structure and available aon policy types
Understanding what you're paying for helps you decide whether to stay or go, and whether your refund is fair.
Aon pricing in new zealand
Aon does not publish a standard price list for 2024-2025 because insurance premiums are custom-quoted based on your personal risk profile, location, claim history and coverage needs. A home insurance policy in Auckland will cost differently than one in rural Southland; a business policy premium depends entirely on your industry, turnover, assets and claims history.
What you can control is whether you take advantage of Aon's premium funding options, which allow you to spread your annual premium into monthly payments. This convenience comes at a cost-funding fees typically add 5-12% to your total premium. If you're cancelling a funded policy mid-term, you may owe early repayment charges that reduce your refund substantially.
Common aon policy types and refund treatment
| Policy type | Typical term | Refund likelihood | Notes |
|---|---|---|---|
| Personal home insurance | 12 months | High (pro rata) | Standard cancellation, likely pro rata refund unless short-rate applies |
| Motor insurance | 12 months | High (pro rata) | Refund depends on no outstanding claims or liability |
| Commercial business insurance | 12 months | Medium (pro rata less fees) | Short-rate fees common on mid-term cancellations; negotiate if possible |
| Specialty or industry-specific cover | Varies | Low to medium | Often non-standard terms; check wording carefully for cancellation clauses |
| Premium funding add-on | 12 months | Reduced (less funding fees) | Early repayment fees likely-can be substantial |
Common mistakes people make when cancelling aon policies
Cancelling insurance should be straightforward, but many people make avoidable errors that cost them money or leave them uninsured.
Cancelling without a replacement policy in place
The single biggest mistake is cancelling your Aon policy before confirming that your new provider's cover is active. If your new insurance hasn't started yet and something goes wrong-a break-in, accident, or storm damage-you're uninsured and cannot claim. Always overlap your policies by at least one day, and confirm the new policy start date in writing before you cancel the old one.
Ignoring cooling-off periods and time-sensitive refund rights
Many policies offer a 14-30 day cooling-off period with a full refund right, but this window closes fast. If you delay your cancellation request, you lose this protection and may face short-rate fees instead. Read your policy documents within the first week and decide immediately if you want to cancel. Pro tip: set a reminder on your phone for day 10 if you're unsure-this gives you 4-20 days to act before the window closes.
Not requesting written confirmation of refund amounts
Verbal promises from Aon staff mean nothing if the promised refund doesn't arrive. Always insist on written confirmation showing the refund calculation, deductions and payment date. If Aon's written confirmation differs from what you were told on the phone, you have grounds to escalate and demand clarification.
Forgetting to cancel premium funding arrangements
If your Aon policy is covered by premium funding, cancelling the insurance alone is not enough. You must also formally cancel the funding arrangement with the finance provider (usually not Aon directly). Failing to do this means you may continue paying monthly funding fees even though your cover has ended. Warning: contact your funding provider on the same day you cancel your insurance policy.
Not escalating disputes early enough
If Aon refuses your cancellation request, disputes your refund calculation, or delays payment beyond 21 days, do not wait passively. Contact the Financial Markets Authority or the Insurance and Financial Services Ombudsman Scheme within 3 months of the incident. Waiting longer than this may affect your ability to lodge a complaint. Stopee advises taking action immediately if you suspect unfair treatment.
Key steps to take before and after you cancel
This checklist ensures you don't forget any critical actions that could jeopardise your refund or leave you uninsured.
Pre-cancellation checklist
- Read your full policy wording and note the cooling-off period, cancellation terms, and any short-rate clauses
- Confirm your new insurance provider's cover start date in writing
- Calculate your expected refund using the pro rata method
- List all deductions (fees, funding charges, outstanding claims) that Aon might apply
- Gather your policy number, personal details, and any broker contact information
- Check whether premium funding is attached and identify the funding provider
- Take screenshots of your online account (if available) showing your current premium and payment history
Post-cancellation checklist
- Obtain written confirmation of your cancellation effective date within 3 working days
- Receive and review Aon's detailed refund calculation in writing
- Confirm that your new insurance cover is active before your Aon cover ends
- Formally cancel any premium funding arrangement with your funding provider
- Monitor your bank account for the refund payment and flag any delays beyond 21 days
- Keep copies of all cancellation correspondence, refund confirmations and bank statements for 7 years
- Request a copy of your personal data from Aon under the Privacy Act if you wish to verify what they hold
When to keep your aon policy instead of cancelling
Not every situation calls for cancellation, and switching providers can cost you money or create coverage gaps.
Reasons to keep your current aon policy
| Situation | Why you might stay with Aon |
|---|---|
| You're within a cooling-off period and unsure | Wait 7 days; research competitors fully before cancelling |
| Your alternative quote is only marginally cheaper | Consider the cost of switching versus small savings; loyalty discounts may be available |
| You have multiple policies bundled with Aon | Cancelling one policy may lose a multi-policy discount; negotiate with Aon instead |
| Your replacement cover hasn't started yet | Do not cancel until new cover is confirmed active |
| A claim is pending or under investigation | Cancelling may jeopardise your claim; settle first, then cancel |
How to negotiate with aon before you cancel
Before you formally cancel, call Aon and tell them you're considering switching providers due to price. Many insurers will offer a discount or loyalty bonus to retain your business. Ask whether they can match or beat your alternative quote, or offer a reduction for your next year's premium. Pro tip: have your competitor's quote in hand when you call-this gives you concrete leverage and may result in real savings without the hassle of switching.
How stopee helps you cancel safely and recover what's owed
Cancelling insurance shouldn't be stressful or confusing, yet insurers and brokers often make the process deliberately opaque to protect their margins.
Stopee is a consumer advocacy platform that helps New Zealand customers navigate cancellations, understand their rights, and recover refunds that companies try to withhold unfairly. Our guides cover every major insurer and service provider in New Zealand, giving you step-by-step instructions, legal references, and escalation pathways.
When you use Stopee to prepare your Aon cancellation, you gain access to templates, checklists, and real consumer experiences. You'll understand exactly what refund you're entitled to, which fees are legitimate and which are not, and how to escalate if Aon refuses to pay. Stopee has helped thousands of New Zealand consumers cancel subscriptions and insurance policies, recover disputed refunds, and stand up to unfair contract terms.
Whether you're cancelling Aon home insurance, motor cover or a commercial policy, Stopee provides the information and support you need to protect yourself and maximise your refund.
Contact details and next steps for your aon cancellation
Use these verified contact details and addresses to initiate your cancellation with confidence.
Aon new zealand cancellation contact details
Primary postal address for cancellations:
Aon New Zealand Limited
Auckland Head Office
P.O. Box 4010
Auckland 1140
New Zealand
Phone Aon's client service team during business hours (typically 8am-5pm NZST, Monday-Friday) to confirm the current email address for cancellation requests. Your policy documents will also show an email address or regional P.O. box if your policy is managed through a different Aon office.
Important: if your policy was arranged through a broker, contact your broker first to discuss cancellation-they often have direct relationships with Aon and can expedite your request.
Escalation contacts if aon refuses to cancel or disputes your refund
Financial Markets Authority (FMA):
Phone: 0800 434 566
Website: www.fma.govt.nz
Use the FMA if Aon breaches the Fair Trading Act or fails to disclose terms and fees clearly.
Insurance and Financial Services Ombudsman Scheme (IFSO):
Phone: 0800 888 202
Website: www.ifso.nz
Lodge a complaint with IFSO if Aon refuses your cancellation, delays your refund beyond 21 days, or disputes a refund calculation you believe is unfair. IFSO handles complaints free and can award compensation up to NZD 200,000.
Privacy Act breaches: If Aon mishandles your personal data, contact the Office of the Privacy Commissioner at www.privacy.govt.nz or phone 0800 803 202.
Final summary and your next action
Cancelling your Aon insurance policy is a straightforward process when you follow these steps: gather your policy details, contact Aon or your broker with clear intent to cancel, submit a written cancellation request, and obtain written confirmation of your cancellation effective date and refund. Insist on transparency, question any deductions, and escalate promptly if Aon refuses or delays.
Your consumer rights are strong under New Zealand law. The Fair Trading Act, Privacy Act and Insurance Brokers regulations all protect you from unfair practices, and the Financial Markets Authority and IFSO exist to enforce these rights if Aon breaches them.
Start your cancellation today by preparing your policy details and writing a clear cancellation letter. Keep copies of everything, follow up in writing, and don't accept verbal promises. Stopee is here whenever you need guidance, answers or support navigating your cancellation-we've helped thousands of New Zealand consumers cancel fairly and recover what they're owed.