Cancel Aon: Step-by-Step Guide

What is Aon

Overview

Aon is a global professional services firm that provides risk management, insurance brokerage, and consulting services.

In Nigeria Aon operates as a broker and adviser, working with international and local insurers to place cover for businesses and individuals.

Services provided

Typical services include commercial insurance placement, employee benefits consulting, and claims support.

Service delivery in Nigeria may be via local offices, regional teams, or international Aon networks depending on the product.

How to cancel Aon

Before you start

Check your insurance policy or service agreement for cancellation terms, notice periods, and any specified contact methods.

Identify whether you are cancelling a broker arrangement, an insurance policy placed by Aon, or a consultancy contract, as steps differ.

Step-by-step cancellation process

• Gather your policy number, client reference, and proof of identity or business registration.
• Contact Aon Nigeria by phone or email to request cancellation instructions and confirmation of required information.
• Submit a written cancellation request (email or signed letter) stating the effective date and reason for cancellation.
• Follow any insurer-specific procedures if Aon placed a policy with a third-party insurer; Aon should advise you of these.
• Request written confirmation of receipt and a final statement showing any premium balance, refund, or fees.
• Keep copies of all correspondence and allow for any contractual notice period to elapse before considering the cancellation complete.

What happens when you cancel

Access and cover

Cancellation of a broker engagement does not always cancel underlying insurance policies unless you explicitly request policy termination.

If Aon terminates its placement, your insurer may continue, amend, or cancel cover depending on policy terms and premium status.

Renewal and records

Renewal notices and endorsements may stop once the broker relationship ends; you should confirm who will manage renewals thereafter.

Aon or the insurer will retain transaction records as required by law; ask for copies of documents you need for your records.

Will I get a refund?

General refund policy

Refunds depend on your agreement, the insurer’s policy terms, and whether premiums were paid in full or in installments.

Some cancellations attract administrative charges or short-rate penalties as defined in your policy or broker agreement.

Common exceptions and conditions

• Pro rata refunds may apply if a policy is cancelled mid-term and the insurer allows it.
• No refund if a policy contains a no‑refund clause or if a claims history or events negate refund eligibility.
• Short‑rate or cancellation fees can reduce the refunded amount; these should be disclosed in your documents.
• Refunds for third‑party placed policies are issued by the insurer; Aon typically facilitates but does not always control timing.

Aon plans and pricing

Plan types

Aon provides a range of services rather than standard consumer "plans" - these include brokerage, risk consulting, and employee benefits solutions.

Specific coverage and fee structures vary by product, client size, and insurer arrangements in Nigeria.

Pricing information

Your consumer rights in Nigeria

Key legal protections

Consumers in Nigeria are protected by the Federal Competition and Consumer Protection Commission (FCCPC) which enforces fair trading practices.

You have the right to clear contract terms, truthful information, and to seek redress for unfair practices or mis-selling.

How to escalate complaints

If you cannot resolve a dispute with Aon, you may file a complaint with the FCCPC or pursue alternative dispute resolution if provided in your contract.

Keep copies of contracts, communications, and evidence of losses to support a complaint to regulators or in civil proceedings.

FCCPC website: https://fccpc.gov.ng/

Customer experiences

Positive feedback

Clients often highlight professional advisory support, access to multiple insurers, and help with complex placements as Aon strengths.

Large corporate clients typically value Aon’s international reach and specialist teams for tailored risk programs.

Common criticisms

Some customers report delays in communication or clarity on fees when transitions occur between brokers and insurers.

Smaller clients sometimes find bespoke service costs higher than standard local brokers; outcomes vary by engagement.

Documentation checklist

Essential documents to prepare

• Policy number(s) and original insurance policy documents.
• Client or broker engagement agreement with Aon, showing cancellation terms.
• Proof of identity for individuals or company registration documents for businesses.

Supporting documents

• Payment receipts, bank statements or premium invoices showing payments made.
• Correspondence with Aon and the insurer regarding claims or prior notices.
• Signed written cancellation request or email trail confirming your instruction.

Common mistakes

Assuming cancellation is immediate

A frequent error is assuming cover stops the moment you tell the broker; many policies require notice or insurer approval.

Always verify the effective cancellation date in writing to avoid gaps or unexpected liabilities.

Not checking refund terms or insurer requirements

Clients sometimes expect full refunds without checking short‑rate clauses or insurer terms that limit refunds.

Failing to inform the insurer directly when required can delay refunds or leave cover active unintentionally.

Comparative recap

How Aon compares

After cancelling

Confirmations to obtain

Ensure you receive written confirmation of cancellation, the effective date, and any final financial statement showing refunds or amounts due.

Retain all correspondence and the final settlement for at least the period recommended by local regulators.

Helpful links and further actions

Global Aon site and contacts: https://www.aon.com/

FCCPC (consumer protection and complaints): https://fccpc.gov.ng/

Address

Primary local address

10B Niger Street Off Suez Crescent Ibrahim Abacha Estate, Wuse Zone 4, Abuja, Federal Capital Territory, Nigeria

Notes on correspondence

No explicit cancellation-specific postal address was located publicly; the above address is a known Aon location in Nigeria and may be used for correspondence or cancellation requests.

Where possible, send cancellation notices by email and recorded delivery to create a verifiable audit trail.