Home & Contents Insurance

New for old regardless of age

Shannons will rebuild, replace or repair new for old regardless of age, or we will pay the assessed cost of doing so, up to the sum insured.

Enthusiast items

Enthusiast items cover is automatically included when you insure your contents with Shannons. This provides cover up to the enthusiast items sum insured for loss or damage to automotive memorabilia and collectables, automotive spare parts and accessories, automotive tools and accessories stored inside your home or garage at the insured address.

Flood cover

Shannons Home & Contents Insurance includes automatic flood cover. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as the damage caused by the storm). Other exclusions apply. Please refer to the relevant PDS for more details and the full definition of "Flood" to check what is and isn't covered.

Optional Covers

You can add optional covers to your policy for extra premium. Optional covers you've purchased are shown on your certificate.

Accidental Loss or Damage Cover

If you'd like extra protection, you can ask us to add accidental loss or damage cover to your policy for an extra premium. This option extends your cover to accidentally losing, breaking or damaging your insured home, contents or enthusiast items at the insured address.

Cover Options

Payment Options & Discounts

Paying your premiums

You can pay your premium annually, but we won't charge you any extra to pay monthly, quarterly or half-yearly.

Multi-policy discount

If you have an active motor policy with Shannons and then take out a home and contents policy with us, you might receive a discount of up to 10% off your home and contents premium.

Terms, conditions, limits and exclusions apply.

Product Disclosure Statement

All benefits are a summary only. Terms, conditions, limits and exclusions apply. Before buying this insurance, and for full details of what is and isn't covered, please read the Home and Contents Insurance Product Disclosure Statement (PDS).

Applies if your policy has a commencement date or renewal date on or after 23/03/2021.


This content applies to new policies and renewal policies with a start date after 22 March 2021.

Home Insurance Calculators

To help choose your sum insured, estimate the rebuild cost of your building and new for old replacement cost of your contents with our home insurance calculators. Simply answer a few questions and the calculators will estimate the cost of replacing your building and contents based on industry values.

These calculators have some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Building Calculator Contents Calculator

Car Insurance

From vintage and veteran to classics, hot rods, modified and contemporary cars, no insurance provider caters better for the motoring enthusiast than Shannons.

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Bike Insurance

Shannons offers experienced bike riders, who are passionate about their ride, a real choice when it comes to insurance.

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