Product Disclosure Statement

Section One - Additional Benefits

What is covered	What is not covered
Windscreen or Window Glass Replacement You can claim one windscreen or window glass breakage replacement during the period of insurance without your basic excess or no claim bonus being affected.	Windscreen or Window Glass Replacement We will not pay for: airfreight; replacement of rubber or sealant due to wear and tear or deterioration; chips or scratches that do not extend through the entire thickness or affect the integrity of the glass.
Towing and storage If we agree to pay a claim under this policy and the loss or damage to your vehicle means that it cannot be driven/ridden, we will pay the reasonable cost of towing and storage
Returning your vehicle to you after repair If we agree to pay a claim under this policy we may choose to: pay you the reasonable cost of travel to the repairer’s premises to collect your vehicle; or deliver your vehicle to you.	Returning your vehicle to you after repair We will not pay if the repairer’s premises are less than 100 kilometres away from your home or place of work.
Emergency repairs If we agree to pay a claim under this policy and the loss or damage means that your vehicle cannot be driven/ridden without emergency repairs, we will pay for those emergency repairs (eg. replacing a smashed headlight at night). You do not need our consent to have this done.	Emergency repairs We will not pay more than $500 for emergency repairs.
14 days free cover for change of vehicle If you sell your vehicle and buy another vehicle, we will insure the replacement vehicle under this policy for 14 days from the date you bought the replacement vehicle. We will continue to insure your replacement vehicle if: you give us the details about the vehicle; we agree to insure it; and you pay any extra premium that we ask you to. A higher excess may also apply. Please remember, the replacement vehicle is only covered when the vehicle it is replacing has been sold.	14 days free cover for change of vehicle We will not pay more than: the market value of the replacement vehicle; the current agreed value on your policy schedule; the amount you paid for the replacement vehicle; or $300,000; whichever is the lesser.
Emergency accommodation after breakdown in Motor Enthusiast Club rally If you are more than 100 kilometres away from your home and your vehicle breaks down while participating in an organised Motor Enthusiast Club rally and is unable to be driven/ridden, we will pay the reasonable costs of accommodation for you and your passengers.	Emergency accommodation after breakdown in Motor Enthusiast Club rally We will not pay: any accommodation costs incurred in the first 24 hours after the breakdown; more than $500 in total for accommodation.
Emergency accommodation after accident or theft If you are more than 100 kilometres away from your home and your vehicle is stolen or in an accident and cannot be driven/ridden, we will pay the reasonable costs of accommodation for you and your passengers.	Emergency accommodation after accident or theft We will not pay more than $500 in total for accommodation.
Lifetime guarantee on repairs The quality of the workmanship and the materials authorised by Shannons in the repair of the vehicle will be guaranteed for the life of the vehicle.	Lifetime guarantee on repairs We will not pay for any rectification work that we have not authorised.
Tools and personal items in your vehicle We will pay you for loss or damage to your tools and personal items in your vehicle caused by: an accident involving your vehicle; or fire; or theft by forcible and violent entry to your vehicle. An entry is forcible and violent when there is physical evidence that a person has used something other than a key or remote control device to get into your vehicle.	Tools and personal items in your vehicle We will not pay: more than $500 for loss or damage to tools and personal items; for loss of cash or negotiable instruments; for loss or damage to tools of trade if you are a business or company.
Specified accessories and optional extras If you want to insure an accessory or optional extra which was not supplied by the manufacturer of your vehicle as standard equipment you must specify it. We will cover you for: Repair - If we agree to pay a claim for loss or damage to specified accessories and optional extras, we will pay the cost of repairing those items that can be repaired. Replacement - If the specified accessories and optional extras cannot be economically repaired, we may choose to either: get you a replacement item consistent with the age of the stolen or damaged item; or pay you the amount it would cost us to replace that item as depreciated We will try to match materials or items used in repairing or replacing the original item. But if this is not possible, we reserve the right to use nearest equivalent or similar materials or items.	Specified accessories and optional extras We will not pay for accessories and optional extras unless specified to us and listed in your schedule at the time of loss or damage.
Trailer cover We will pay you for loss of or damage to your trailer when it is being towed by your vehicle.	Trailer cover We will not pay: for loss or damage to a caravan or horsefloat; more than $750 or the market value of the trailer, whichever is the lesser; for loss of or damage to any contents of the trailer or for any fixtures or equipment attached to it or on it.
Riding Apparel Cover In addition to the benefits already outlined, motorcycles are entitled to an additional benefit of riding apparel cover. Under this section items of riding apparel are automatically covered in the event of an associated motorcycle claim under Section One. In addition, cover is provided for the riding apparel of a pillion passenger, where a pillion passenger is involved in the accident. Automatic salvage is granted to items indemnified under this section.	Riding Apparel Cover We will not pay: more than $3,000 for the rider in total; more than $1,500 for a pillion passenger in total; more than $1,000 for any individual item, unless specified in your schedule.
Training Courses We will provide you with full cover during your participation in any professional driving/riding course designed to improve your skills on the road whether such course is conducted on a public road or private specialist venue, provided an instructor is present.	Training Courses Cover will not be provided if such a course comes under the jurisdiction of Confederation of Australian Motor Sport (CAMS) or any other motorsport governing body, or where there are no designated instructors in attendance, except where this is covered by the Club Racing optional endorsement.
Older Classic If your vehicle is an older classic: under 25 year old drivers/riders will not be subject to an age excess; salvage rights will automatically apply.
Hire vehicle following theft If your vehicle is stolen and you have a claim under Section One, we will provide you with a hire vehicle of our choice for a period of 14 days or until the earlier recovery of your vehicle in a roadworthy condition. We will also pay any insurance charges by the hirer.	Hire vehicle following theft We will not pay: more than $1,500 for the cost of the hire vehicle; any deposit on the hire vehicle; any running costs of the hire vehicle.
Learner Drivers Persons driving the vehicle on a learners permit whilst under instruction from an experienced, fully licenced driver are automatically covered to drive the vehicle. In these instances, any age excess applicable will be based on the age of the experienced, fully licenced driver. In the case of riding a motorcycle, the age excess will be determined upon the age of the learner rider

What is covered

What is not covered

Windscreen or Window Glass Replacement

You can claim one windscreen or window glass breakage replacement during the period of insurance without your basic excess or no claim bonus being affected.

Windscreen or Window Glass Replacement

We will not pay for:

airfreight;
replacement of rubber or sealant due to wear and tear or deterioration;
chips or scratches that do not extend through the entire thickness or affect the integrity of the glass.

Towing and storage

If we agree to pay a claim under this policy and the loss or damage to your vehicle means that it cannot be driven/ridden, we will pay the reasonable cost of towing and storage

Returning your vehicle to you after repair

If we agree to pay a claim under this policy we may choose to:

pay you the reasonable cost of travel to the repairer’s premises to collect your vehicle; or
deliver your vehicle to you.

Returning your vehicle to you after repair

We will not pay if the repairer’s premises are less than 100 kilometres away from your home or place of work.

Emergency repairs

If we agree to pay a claim under this policy and the loss or damage means that your vehicle cannot be driven/ridden without emergency repairs, we will pay for those emergency repairs (eg. replacing a smashed headlight at night).

You do not need our consent to have this done.

Emergency repairs

We will not pay more than $500 for emergency repairs.

14 days free cover for change of vehicle

If you sell your vehicle and buy another vehicle, we will insure the replacement vehicle under this policy for 14 days from the date you bought the replacement vehicle.

We will continue to insure your replacement vehicle if:

you give us the details about the vehicle;
we agree to insure it; and
you pay any extra premium that we ask you to.

A higher excess may also apply.

Please remember, the replacement vehicle is only covered when the vehicle it is replacing has been sold.

14 days free cover for change of vehicle

We will not pay more than:

the market value of the replacement vehicle;
the current agreed value on your policy schedule;
the amount you paid for the replacement vehicle; or
$300,000;

whichever is the lesser.

Emergency accommodation after breakdown in Motor Enthusiast Club rally

If you are more than 100 kilometres away from your home and your vehicle breaks down while participating in an organised Motor Enthusiast Club rally and is unable to be driven/ridden, we will pay the reasonable costs of accommodation for you and your passengers.

Emergency accommodation after breakdown in Motor Enthusiast Club rally

We will not pay:

any accommodation costs incurred in the first 24 hours after the breakdown;
more than $500 in total for accommodation.

Emergency accommodation after accident or theft

If you are more than 100 kilometres away from your home and your vehicle is stolen or in an accident and cannot be driven/ridden, we will pay the reasonable costs of accommodation for you and your passengers.

Emergency accommodation after accident or theft

We will not pay more than $500 in total for accommodation.

Lifetime guarantee on repairs

The quality of the workmanship and the materials authorised by Shannons in the repair of the vehicle will be guaranteed for the life of the vehicle.

Lifetime guarantee on repairs

We will not pay for any rectification work that we have not authorised.

Tools and personal items in your vehicle

We will pay you for loss or damage to your tools and personal items in your vehicle caused by:

an accident involving your vehicle; or
fire; or
theft by forcible and violent entry to your vehicle.

An entry is forcible and violent when there is physical evidence that a person has used something other than a key or remote control device to get into your vehicle.

Tools and personal items in your vehicle

We will not pay:

more than $500 for loss or damage to tools and personal items;
for loss of cash or negotiable instruments;
for loss or damage to tools of trade if you are a business or company.

Specified accessories and optional extras

If you want to insure an accessory or optional extra which was not supplied by the manufacturer of your vehicle as standard equipment you must specify it.

We will cover you for:

Repair - If we agree to pay a claim for loss or damage to specified accessories and optional extras, we will pay the cost of repairing those items that can be repaired.
Replacement - If the specified accessories and optional extras cannot be economically repaired, we may choose to either:
- get you a replacement item consistent with the age of the stolen or damaged item; or
- pay you the amount it would cost us to replace that item as depreciated

We will try to match materials or items used in repairing or replacing the original item. But if this is not possible, we reserve the right to use nearest equivalent or similar materials or items.

Specified accessories and optional extras

We will not pay for accessories and optional extras unless specified to us and listed in your schedule at the time of loss or damage.

Trailer cover

We will pay you for loss of or damage to your trailer when it is being towed by your vehicle.

Trailer cover

We will not pay:

for loss or damage to a caravan or horsefloat;
more than $750 or the market value of the trailer, whichever is the lesser;
for loss of or damage to any contents of the trailer or for any fixtures or equipment attached to it or on it.

Riding Apparel Cover

In addition to the benefits already outlined, motorcycles are entitled to an additional benefit of riding apparel cover.

Under this section items of riding apparel are automatically covered in the event of an associated motorcycle claim under Section One.

In addition, cover is provided for the riding apparel of a pillion passenger, where a pillion passenger is involved in the accident.

Automatic salvage is granted to items indemnified under this section.

Riding Apparel Cover

We will not pay:

more than $3,000 for the rider in total;
more than $1,500 for a pillion passenger in total;
more than $1,000 for any individual item, unless specified in your schedule.

Training Courses

We will provide you with full cover during your participation in any professional driving/riding course designed to improve your skills on the road whether such course is conducted on a public road or private specialist venue, provided an instructor is present.

Training Courses

Cover will not be provided if such a course comes under the jurisdiction of Confederation of Australian Motor Sport (CAMS) or any other motorsport governing body, or where there are no designated instructors in attendance, except where this is covered by the Club Racing optional endorsement.

Older Classic

If your vehicle is an older classic:

under 25 year old drivers/riders will not be subject to an age excess;
salvage rights will automatically apply.

Hire vehicle following theft

If your vehicle is stolen and you have a claim under Section One, we will provide you with a hire vehicle of our choice for a period of 14 days or until the earlier recovery of your vehicle in a roadworthy condition. We will also pay any insurance charges by the hirer.

Hire vehicle following theft

We will not pay:

more than $1,500 for the cost of the hire vehicle;
any deposit on the hire vehicle;
any running costs of the hire vehicle.

Learner Drivers

Persons driving the vehicle on a learners permit whilst under instruction from an experienced, fully licenced driver are automatically covered to drive the vehicle. In these instances, any age excess applicable will be based on the age of the experienced, fully licenced driver. In the case of riding a motorcycle, the age excess will be determined upon the age of the learner rider