Comprehensive Car Insurance Features

Agreed Value

We agree the value of your car, taking into consideration the care you have given it and any improvements or modifications you have made.

Your Choice of

Shannons gives you the option to choose the repairer of your choice, or you can ask Shannons to appoint a qualified assessor to manage the repairs for you. It's all about peace of mind in the event you need to make a claim.

Cover for Legal Modified & Non-Standard Accessories

We understand that not every vehicle is stock standard and that you like to modify and accessorise your car. Shannons provide cover for legal modifications and non-standard accessories listed on your policy.

Additional features

  • New replacement car in the event of a total loss*, if within 12 months of first registration and you're the first registered owner
  • Lifetime guarantee on repairs authorised by Shannons
  • One free windscreen or window glass claim, per vehicle per year
  • 14 Day car hire following theft, to a limit of $1,500
  • Up to $500 for emergency repairs and $500 for accommodation if you're more than 100km from home.
  • $20 Million legal liability for bodily injury to, or damage to, the property of others
  • Total loss* salvage options
  • Hire car after a not at fault incident, while your car is off the road
Cover Options

Cover options

Laid Up Cover

If your car is in the process of restoration and is not currently being driven, our laid up cover will reduce your premium.

Limited Usage Cover

If you don't drive your car regularly, special premium rates may be available, based on the restricted use of your car.

Club Plate Cover

If your car is registered with Club Plates special premium rates may be available.

Options & Discounts

Pay your Premiums by the Month

Unlike many others, we won't charge you any extra to pay monthly, quarterly or half-yearly.

Protected No Claim Discount

If you have been on Rating One for the past three years and you have an at fault claim, your no claim discount won't be affected.

Multi-Vehicle Discount

Shannons offer premium discounts where two or more vehicles are insured on the one policy, such as special vehicles (including those with Laid Up Cover) and your Daily Drive.

Multi-Policy Discount

If you have a motor policy with Shannons and then take out a Home and Contents policy with us, you will receive a discount of up to 10% off your Home and Contents premium.

Product Disclosure Statement

All benefits are a summary only. For full details of what is and isn’t covered, please read the Motor Insurance Product Disclosure Statement (PDS). You should read the PDS before buying this insurance.

View Product Disclosure Statement (PDS)


* Total loss means that, in our opinion, the damage to your vehicle is so great that it would not be safe or economical to repair, or when your vehicle has been stolen and not recovered within 14 days of you reporting its theft to us and we are satisfied that your claim is in order.

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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Shannons can help protect your home with an insurance policy that is uniquely tailored to the motoring enthusiast.

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