Read these Online Terms to understand how Shannons:
- operates and regulates its online sites including its social media sites;
- operates any online insurance quoting, purchase and policy management transactions; and
- handles your personal information when you interact with us online (see terms 25 to 31).
1. About Shannons Online Sites
Shannons Pty Limited (ABN 91 099 692 636) ("Shannons", "we" or "us") operates Shannons online sites ("Online Site" or "Online Sites"), including our:
main website (www.shannons.com.au including its related transactional domains and pages) ("Main Site");
Shannons Club website (www.shannons.com.au/club) including related pages) ("Shannons Club Site");
Shannons Online Services ("Online Services");
Claim online ("Claim online"); and
social media site(s) ("Social Media Site" or "Social Media Sites") as operated from time to time.
The Main Site, Shannons Club Site, Online Services and Claim online are owned and operated by Shannons. Unless otherwise stated, Shannons property insurance policies (car, motorcycle, home and contents) are issued by AAI Limited ABN 48 005 297 807 AFSL no. 230859 ("AAI") while NSW Compulsory Third Party Personal Injury ("CTP") insurance policies are issued by AAI Limited ABN 48 005 297 807 trading as GIO. Shannons acts as agent and authorised representative of the relevant insurer described above in each instance. Shannons, AAI and GIO are members of the Suncorp Group of companies.
The "Suncorp Group" refers to Suncorp Group Limited ABN 66 145 290 124 and its related companies. Except to the extent imposed by law, companies in the Suncorp Group do not guarantee and are not responsible or liable for the products, services, obligations or liabilities of the other companies in the Suncorp Group.
Please be aware that certain parts of our Online Site may additionally function as a Social Media Site. By this we mean that the information and content you submit to a social media section of our Main Site will be freely visible to other website users. Any social media sections will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by Shannons in accordance with terms 10 and 28, and otherwise in accordance with these Online Terms (as relevant). If you obtain a quote, purchase insurance or administer your insurance on our Main Site, your transaction will be conducted over a secure internet connection - see term 28.3 for details.
Shannons may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group in Australia and New Zealand.
Our Online Site (including any sub-pages, related transactional domains and pages, or other Suncorp Group company branded online pages which include an authorised link to an Online Site) may include product advertising, services, information, text, graphics, materials, social media forums, applications, functions and promotions, unless disclaimed otherwise or where not permitted by law or by an online host site's rules ("Site Content"). Your use of any of our Online Sites, including any Site Content, is governed by these Online Terms.
Shannons owns and operates the Main Site, which include all respective web pages (including web pages accessible on portable electronic devices such as smart phones or tablet computers) under or forming part of the domain names: shannons.com.au. Although the Main Site is designed for use by portable electronic devices such as smart phones or tablet computers, Shannons disclaims that the Main Site may not operate, or may not operate fully, on some types of portable electronic devices. If you experience difficulty in accessing or using this site, you should access our Main Site (www.shannons.com.au) using a modern web browser on a personal computer with a screen diameter of 10 inches or greater.
2. Links to other third party websites and applications
An Online Site may contain links to other websites (including other social media websites) which are owned or operated by third parties independent of Shannons ("Third Party Sites"). Shannons does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites ("Third Party Material").
An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of Shannons ("Third Party Offers"). Shannons does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.
Subject to any applicable law which cannot be excluded, such as the Australian Consumer Law and Australian Securities and Investments Commissions Act 2001, Shannons makes no warranties or representations:
regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or
that Third Party Material does not infringe the intellectual property rights of any person.
Shannons is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.
When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.
3. Your privacy
Your privacy and security is important to Shannons. Read terms 25 to 31 for information (the 'Privacy Statement' component) about how Shannons handles the information you provide it when you use one of our Online Sites.
4. Shannons Main Site: product information and insurance purchase, renewal and cancellation
Main Site content:
The Main Site:
contains information of a general nature about Shannons and Shannons products and services;
enables certain persons to purchase and pay for some insurance products and services online;
enables certain persons to renew some insurance products and services online;
Shannons product information, insurance purchase and renewal on the Main Site
Transactions on the Main Site
When entering into a transaction via the Main Site, whether it be the issuance of an insurance contract, a renewal payment, or a transaction relating to any other product or service, the transaction will not be completed until an "Electronic Instruction" (being any electronic instruction, information, message, request or communication issued or transmitted to Shannons via the Main Site) containing the acceptance from you to Shannons' offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by Shannons, and any specific steps or requirements as set out in this term 4, have been complied with.
You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction, may not be received by Shannons in accordance with this term 4 for reasons beyond either parties' reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.
Subject to any rights you may have under any applicable law (including the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), we are not liable to you for any loss or damage, including loss of business or profits or any indirect loss, incurred as a result of the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.
Purchasing insurance policies
Where the Main Site enables you to purchase insurance products or services online:
the parties may enter into an insurance policy using the Main Site by Shannons making an electronic offer via the Main Site and you electronically communicating your acceptance of that offer via the Main Site to Shannons. An offer made by us in this way through the Main Site may be conditional upon the provision by you of certain information and will be made in-line with our underwriting criteria. We reserve the right not to make an electronic offer to you, in circumstances where eligibility criteria have not been met;
Shannons may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you; and
Shannons may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.
Creating a binding insurance contract with Shannons via the Main Site is a two-step process:
The first step is to create a quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, the Main Site will provide you with a quote, identified by a quote number; and
If you wish to take out insurance in accordance with a quote provided to you by Shannons via the Main Site, then, upon completion by you of all required details, step two enables you to accept that quote and create a binding insurance agreement with a corresponding Shannons policy number.
Please note, online purchase on the Main Site is only available for new customers for insuring a single vehicle under the Shannons Comprehensive Car Insurance policy. If you would like to insure more than one vehicle on a single policy, make amendments to your existing policy including adding/removing optional covers, obtain a different level of car insurance cover or other insurance (i.e. motorcycle or home & contents insurance), then contact us or submit a 'Get a quote' form via the Main Site (as applicable). Refer to clause 4.2.5 on adding a new vehicle to your existing Shannons Comprehensive Motor Insurance policy. Shannons may in the future add, expand, update or remove the online functionality on the Main Site including adding other online functions or other type of insurance products to be transacted via the Main Site. These Online Terms will be updated accordingly.
When entering into a contract via the Main Site in accordance with these Online Terms, you will be taken to have communicated your acceptance to an offer of insurance from Shannons only when:
the Electronic Instruction containing the acceptance from you enters and is recorded in the main Shannons database or in the case of CTP insurance in the GIO database ("Relevant Database");
a record is created and stored in the Relevant Database;
a Shannons policy number is generated by the Relevant Database; and
Shannons receives all required details of a current and valid payment card or current and valid financial institution account number (in either case a card/account which you are authorised to use and which is of a card/account accepted by Shannons), and to which Shannons is able to charge the required premium.
Some insurance policies available through the Main Site may offer a deferred payment option (i.e. Pay Later). Where this option is available and selected by you, term 5.3 of these Online Terms will additionally apply.
If payment by instalments is offered to you and if you elect to pay your premium by instalments then your payment card or financial institution account number will be automatically charged/debited for the relevant payment - your first payment will be processed in line with your policy inception date and then processed on the same date on a monthly basis. If you elect to pay by instalments the additional terms and conditions applicable to that payment arrangement will be made available to you as part of your policy documents (whether by way of Product Disclosure Statement, Supplementary Product Disclosure Statement and/or a Direct Debit Request Service Agreement), as well any relevant insurance purchase or variation transaction.
A binding insurance contract is conditional on Shannons being able to successfully charge against your nominated payment card or debit your financial institution account number, and Shannons receiving payment of your applicable premium (either by a single payment or where permitted in instalments).
Where a transaction is entered into between Shannons and you via the Main Site, a policy number will be issued by Shannons via the Main Site. However, a binding insurance contract is not conditional on the receipt by you of a policy number but is conditional upon Shannons receiving your premium payment or your current and valid payment card (or financial institution account number) and first premium instalment if you elect to pay by instalments. Therefore, the failure by you to receive a policy number via the Main Site does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Main Site.
Shannons may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on Shannons issuing, or you receiving, a paper confirmation of the transaction.
Should you not receive a policy number please contact us.
Where you only complete a quote on the Main Site and select an alternate payment option (meaning not a payment card payment online or a financial institution account debit payment or a 'Pay Later' option referred to in term 5.3), a binding insurance agreement is not created. Instead, you will need to make payment via an alternate option (such as paying by B-Pay, at an Australia Post Office, or making a payment card payment to us over the phone). When paying by an alternate payment option, a binding insurance agreement will only be created once we receive your full premium payment, or when we receive your first premium instalment if we have offered this payment option to you and you have agreed to pay us your premium by instalments.
For the avoidance of doubt, the terms and conditions in this term 4.3 only apply to certain applications for or purchases of insurance product conducted electronically by the Main Site and in circumstances where we make an express electronic offer to you. These terms do not apply where the purchase occurs by way of a written paper- based application or other non-electronic means.
The renewal payment for certain Shannons insurance policies can be made online with selected payment cards at the Main Site.
The policy renewal notice will indicate whether online renewal payment is available.
To make an online renewal payment, follow the "Make a Payment" link on the Main Site.
When making a payment for a policy renewal via the Main Site, you will be taken to have renewed that policy only when:
the Electronic Instruction containing the policy number, premium amount due and payment card details, and an instruction from you to renew the policy, enters and is recorded in the Relevant Database;
Shannons receives all required details of a current and valid payment card which you are authorised to use, which is of a payment card type accepted by Shannons, and to which Shannons is able to charge the renewal payment;
a record is created and stored in the Relevant Database;
a Shannons receipt number is generated by the payment system; and
the Relevant Database is updated with information from the payment database.
A binding insurance contract is conditional on Shannons being able to successfully charge against your nominated payment card and Shannons receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments).
Shannons, at its discretion, may or may not issue a paper confirmation of the renewal payment. The existence of a valid payment is not conditional on Shannons issuing, or you receiving, a paper confirmation of the transaction.
Cancelling insurance policies
Where the Main Site enables you to cancel certain insurance products or services online, you may electronically communicate your request to cancel an insurance policy via the Shannons Virtual Assistant.
Please note, insurance policy cancellation via Shannons Virtual Assistant is limited to Shannons Home and/or Contents Insurance policy. To cancel other Shannons insurance policies, please contact us;
To cancel an insurance contract via the Main Site you will need to follow the prompts within the Shannons Virtual Assistant:
you need to request that your insurance policy be cancelled;
we will ask you to confirm the insurance policy that you wish to cancel, the reason for cancellation and the date of cancellation;
we will calculate and notify you if any unexpired portion of any paid premium is to be refunded to you and confirm the method of refund (being the last known payment details used or held on the insurance policy);
we will ask you to confirm the cancellation and you will be taken to have communicated your confirmation to cancel the selected insurance policy when the Electronic Instruction containing the confirmation from you enters and is recorded in the Relevant Database.
Shannons may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you.
Shannons will send you confirmation of the cancellation of the insurance policy by your preferred method of communication, being either by mail or email.
Shannons, may not be able to facilitate the cancellation of an insurance policy through the Main Site. The types of policies that can be cancelled on the Main Site may change from time to time to take into account system limitations, underwriting issues and elements of the cancellation process (including whether a refund of premium will be made). If you are not able to proceed with the cancellation, you will be directed to contact us for further assistance.
Should the method of payment of any refund be incorrect or not up to date, you will need to contact Shannons or change your payment card details through the Main Site before cancelling the insurance policy.
Making amendments to your existing Shannons insurance policy via Shannons Virtual Assistant
Where the Main Site enables you to amend your existing Shannons insurance policy, you may electronically communicate your request to make an amendment via Shannons Virtual Assistant, using the three step process:
The first step is to access Shannons Virtual Assistant located at the bottom right of the Main Site or using the ‘Get a quote’ button on the Main Site and following the prompts indicating you’re an existing Shannons insurance customer. You will need to then request your change via the Shannons Virtual Assistant that you would like to make to your existing policy (e.g add new vehicle).
Note: Shannons Virtual Assistant can also be accessed through Shannons Online Services after you’ve logged in (refer to clause 6.1 on using Shannons Online Services).
The second step is authentication, that is, you will be required to verify your identity by confirming certain information that we hold about you, providing us with your Shannons insurance policy number (if needed), and entering a one-time password sent via SMS to the mobile phone number associated with your Shannons insurance policy (the Mobile Phone Number). A one-time password is a randomly generated password that is used to authenticate a transaction or your “log-in” attempt, and is only valid for a single use.
There are time limits and limits on attempts made to enter the one-time password into the password field. If there are any errors in the one-time password field, you may not be able to proceed further and will need to contact us.
We don’t charge you a fee for sending a one-time password to your Mobile Phone Number. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the mobile phone account holder.
To use the one-time password verification, you must keep the Mobile Phone Number associated with your Shannons insurance policy current. If the Mobile Phone Number associated with your Shannons insurance policy is incorrect, you may not be able to use the one-time password verification and therefore unable to amend your policy online via Shannons Virtual Assistant — you will need to contact us. If the Mobile Phone Number is also used by other people, they may receive, or be able to access your one-time password.
We may, at our discretion, require you to perform this second step again such as when you reinitiate a request in the Shannons Virtual Assistant, deviate away from your request in the chat before returning to it, or if your request times out.
Note: This second step may not be required if you’re accessing Shannons Virtual Assistant after logging into Shannons Online Services.
The third step is to follow the prompts provided in the Shannons Virtual Assistant to make an amendment to your existing Shannons insurance policy. We will let you know if an additional premium is required before asking you to confirm the changes to your policy.
Please note, amendment via Shannons Virtual Assistant is limited to adding a new vehicle to an existing Shannons Comprehensive Motor insurance policy. Some optional covers are also not available to be added via Shannons Virtual Assistant when adding a new vehicle to your existing policy and you will need to contact us if you would like to add those optional covers. If you would like to insure more than one vehicle on a single policy, make other amendments to your existing Shannons insurance policy including adding/removing optional covers, obtain a different level of motor insurance cover or other insurance (e.g. home & contents insurance), then contact us or submit a 'Get a quote' form via the Main Site (as applicable). Shannons may in the future add, expand, update or remove the functionality for Shannons Virtual Assistant on the Main Site including adding other online functions or other types of insurance products that can be amended online. These Online Terms will be updated accordingly.
Shannons may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you.
Shannons will send you confirmation of the amendment to your insurance policy by your preferred method of communication, being either by mail or email.
Shannons, at its discretion, may not be able to facilitate the amendment of an insurance policy through the Main Site. In those circumstances, you will not be able to proceed with the amendment and you will be directed to contact us for further assistance.
5. Shannons Main Site: payments
All payments for any insurance products, renewals, amendments, claim excess payments or other services purchased via the Main Website (including additional premium or other payments which arise from policy amendments), must be paid in full by clear funds by the due date specified in the relevant confirmation.
Unless expressly stated otherwise, all payments referred to in term 5.1 are to be made by selected payment cards (or permitted financial institution account debits, as relevant) at the time of purchase, renewal, amendment or claim excess payment (as the case may be) in relation to the applicable Shannons branded policy or service.
In the case of a payment card transaction, you must therefore provide to Shannons details of your permitted current and valid payment card, including:
payment card type;
name on payment card;
payment card number;
payment card's expiry date; and
card verification value (CVV).
In the case of a financial institution account debit, you must provide to us details of your permitted current and valid financial institution account, including:
the name of your financial institution;
the full name of the account holder; and
the account number and its BSB number (bank/state/branch number).
When you purchase or renew some policies that are available through the Main Site (including through Shannons Online Services, as applicable), you may be offered a deferred payment option (i.e. Pay Later). Where this option is available and selected by you, we will, in accordance with these Online Terms, and the relevant Product Disclosure Statement and terms and conditions of the applicable product or service, issue you with insurance cover (from the start date you select) and an account for the full insurance policy premium. Full payment must be made in relation to such insurance cover in accordance with the account payment notice sent to you, and Product Disclosure Statement and the terms and conditions of the applicable product or service, which will always apply. Failure to pay in accordance with these requirements will result in potential cancellation of insurance cover, as permitted by law.
If you pay your claim excess via Shannons Online Services or Main Site (through the Make a Payment page) your payment will be processed in accordance with these Online Terms, the relevant Product Disclosure Statement and any other terms and conditions specific to the particular transaction. If you fail to pay your applicable claim excess, whether via Shannons Online Services or through another payment method we offer, we may not provide you with the cover or policy benefit you have claimed for. Refer to the relevant Product Disclosure Statement and your policy certificate for more information about your claim excess.
6. Shannons Online Services/Claim online/Suncorp App
Shannons Online Services
Shannons Online Services (which forms part of the Main Site) enables you to:
view certain details of certain Shannons branded policies online and view participating products you hold across the Suncorp Group;
manage and change certain details of certain Shannons branded policies online;
perform certain insurance related transactions online; and
view and manage certain claim related information for certain Shannons policy types.
Please note Shannons Online Services is only available for eligible Shannons policies such as Shannons branded Comprehensive Car Insurance, Comprehensive Motorcycle Insurance, Third Party Property Damage Insurance, Home Building Insurance and Home Contents Insurance ("Shannons Online Services Eligible Policies"). It is not available for Compulsory Third Party Insurance. If you would like information about products for which Shannons Online Services are not available or claims you have made under those products, please call Shannons on 13 46 46. The terms in this term 6.1 are relevant only to those Shannons policies for which the relevant Shannons Online Services functionality is available. In addition to the remainder of these Online Terms, the specific terms in this term 6.4 apply to Shannons Online Services.
Accessing Shannons Online Services
Shannons Online Services is only accessible to you if you have "logged in" by providing certain details as requested by Shannons on the log-in, registration and/or authentication pages of Shannons, relating to you (this information is your "Login"). You'll need to create an account to access Shannons Online Services.
The username component of your Login will be a valid email address you select. You should select an email that only you have access to, since we may communicate with you using that address.
If you hold a policy for which Shannons Online Services is available, and that policy is held in a company, trust or similar single entity name (rather than a person's first and surname), you can register for Shannons Online Services using the details of the nominated representative provided to us. Alternatively, you can call us on 13 46 46 and we can help you with this.
You must not provide details of your Login to any other person. You must not allow any other person to use your Login.
You must not use Shannons Online Services to access or modify the details of another person's insurance claim without their clear authority. Criminal penalties may apply if you do so.
To access Shannons' Online Services, you may be required to verify your identity by entering a one-time password sent via SMS to the mobile phone number associated with your Shannons Online Services Eligible Policy (The Mobile Phone Number). A one-time password is a randomly generated password that is used to authenticate a transaction or your "log-in" attempt, and is only valid for a single use.
There are time limits and limits on attempts made to enter the one-time password into the password field. If there are any errors in the one-time password field, you may not be able to access Shannons Online Services.
We don't charge you a fee for sending a one-time password to your Mobile Phone Number. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the mobile phone account holder.
To use the one-time password verification, you must keep the Mobile Phone Number associated with your Shannons Online Services Eligible Policy current. If the Mobile Phone Number associated with your Shannons Online Services Eligible Policy is incorrect, you may not be able to use the one-time password verification and be unable to access Shannons Online Services. If the Mobile Phone Number is also used by other people, they may receive, or be able to access your one-time password.
Loading your policy details into Shannons Online Services
When you register for Shannons Online Services you will be asked to provide details from your Shannons policy. You will be prompted to nominate/add your Shannons policy details when you have logged in to the portal.
If you hold Shannons Online Services Eligible Policies, after you register for Shannons Online Services you may be able to associate those policies with your same Login.
If you hold multiple Shannons Online Services Eligible Policies, and we have permitted those policies to be linked with your other loaded policies, Shannons Online Services may automatically associate such policies with your Login.
Viewing your policy details in Shannons Online Services
During the period of insurance of any Shannons Online Services Eligible Policy, Shannons Online Services may allow you to view certain policy details relating to your Shannons Online Services Eligible Policy such as policy expiry and renewal date, premium and excess details.
Viewing your claims in Shannons Online Services
When you register for Shannons Online Services you will be asked to nominate a current Shannons insurance policy for which Shannons Online Services is available. Once you have registered, you will be able to view accessible claim records under that policy. If you hold multiple policies for which Shannons Online Services is available, you will be able to use your single Login to view accessible claims from each of those policies, so long as we have permitted your policies to be linked under the same Shannons client number.
Permitted transactions using Shannons Online Services
During an active claim displayed within Shannons Online Services, you may have the option of changing a vehicle damage assessment booking time, paying your claim excess or completing another permitted transaction. In the case of a claim excess payment Clause 5 applies. Shannons Online Services can take up to 5 business days to update your claim excess payment status.
Termination of Shannons Online Services access
Term 20 of these Online Terms applies in full.
Claim online (which forms part of our Main Site) enables you lodge a claim online for certain Shannon's policy types. Claim online is only for holders of eligible Shannons policies. Claim online is not available for: Third Party Property Damage (all vehicle types) or Compulsory Third Party (CTP) insurance. If you would like information about making a claim, please call Shannons on 13 46 46 at any time. Terms 6.2 to 6.6 are relevant only to those Shannons policies for which the relevant Claim online functionality is available. In addition to the remainder of these Online Terms, terms 6.2 to 6.6 apply to Claim online.
Accessing Claim online
Claim online is only accessible to you once you have provided certain details as requested by Shannons via the Claim online application. You will only be able to use Claim online if you hold a Shannons insurance policy for which Claim online is available.
You will be required to supply a valid email address to lodge your claim using Claim online. This email address will also be used to register you for Online Services, if you have not already registered for that application. You should select an email that only you have access to, since we may communicate with you using that address.
Lodging a claim
When you lodge a claim online, we will confirm what next steps will occur and the time they will occur in. Following the lodgement of your claim, we will tell you whether your claim has been accepted, and whether you will need to pay your policy excess. Should you require immediate assistance, you can call us on 13 46 46 during the operating hours stated on our Online Site.
No automatic update of personal information
Please be aware that personal information such as your name, address and vehicle's details, which you enter into Claim online will NOT automatically update on our record of your Shannons policy. If you would like to update your policy's details, please call us on 13 46 46 or send us an email to firstname.lastname@example.org
Termination of Claim online access
Term 20 of these Online Terms applies in full.
Any personal information, such as your name, address or your vehicle's details which you save on the Suncorp App or transmit to Shannons as part of your claim lodgement will NOT automatically update on our record of your Shannons branded insurance policy. Rather, the information you provide will only be used during the handling of your claim. If you would like to update your policy's details, please contact Shannons directly by calling 13 46 46.
7. Shannons Club Sites
Please refer to the https://www.shannons.com.au/club/terms for the specific terms that apply to the Shannons Club Site.
8. Find my policy number, valuation tools, calculators, games and other features
Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. Our Online Sites may also contain other useful information.
Whilst Shannons has undertaken reasonable steps to ensure that any such features or information as described in term 8.1 are accurate and free from defect, Shannons does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an "as is" basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
Shannons offers a find my policy tool on certain applications on its Main Site ("Find my Policy Number") which allows eligible Shannons branded insurance policyholders to search for, and find, their Shannons policy number online. Find my policy is only available for holders of Shannons Home Building Insurance, Home Contents Insurance, Comprehensive Car Insurance and Comprehensive Motorcycle Insurance policies (but not any policies held in a business name). If you use Find my Policy Number, your policy number(s) will be sent to your email address as listed on your policy. If you do not receive an email with your policy number, please call us on 13 46 46. Please note that policy details can only be located if your email address is listed on your policy.
9. Standard terms and acceptance criteria apply
All enquiries or applications for insurance (including variations of cover) or other products made via any of our Online Sites are subject to and must comply with Shannons normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the insurance products Shannons offers (excluding CTP) are contained in our Product Disclosure Statements or Certificate of Insurance. These documents also explain important information about who Shannons is and who the insurer behind Shannons is for the relevant insurance product. See term 1 for further information. These documents can be accessed on the Main Site under the "Insurance" section. You have a duty to us under the Insurance Contracts Act to take reasonable care not to make a misrepresentation before you enter a contract of insurance with us. To make sure that you meet this duty to us, it is important that you answer all questions truthfully and accurately. If you do not, Shannons may be able to reduce or refuse to pay a claim or cancel your policy, or both. If your failure is fraudulent, Shannons may be able to refuse to pay a claim and treat the contract as if it never existed.
10. Social media content you submit to our Social Media Sites
When a user of any of our Social Media Sites ("Social Media Site User") submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise ("Social Media Site User Content"), the Social Media Site User, unless Shannons advises otherwise , licenses and grants Shannons, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. Shannons qualifies this term 10.1 by stating that any recruitment application or other correspondence, which is not provided by way of an open public forum or other public process will be treated by Shannons in accordance clause 28.4
Users agree that they are fully responsible for the Social Media Site User Content they submit. Shannons shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. Shannons may screen and/or remove and/or request that the Third Party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a 'guerrilla marketing' attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.
Without limiting any other terms herein, the Social Media Site User agrees to indemnify Shannons (and any of its related bodies corporate) for any loss or expense Shannons and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.
Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 10 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including Shannons or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify Shannons (and any of its related bodies corporate) against all costs and claims by Third Parties arising from a breach of this warranty.
Whilst reasonable steps have been undertaken to ensure that information is free from error, subject to any applicable law which cannot be excluded (including warranties under the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), Shannons does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites.
12. Limitation of liability
Subject to any rights you may have under any applicable law (including the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss arising out of or referable to any Site Content, Online Site User content, Third Party Material, third party services, or to access (or lack of access) to our Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.
You indemnify us (and any of our related bodies corporate) against any loss, cost, damage, expense and liability suffered or incurred by us (or any of our related bodies corporate) as a result of your breach of these Online Terms, except to the extent caused or contributed to by our negligence.
14. No advice unless stated
Unless expressly stated otherwise:
no Online Site purports to provide you with financial product or investment advice; and
the information available via an Online Site does not take account of your particular financial or insurance position or requirements. Shannons suggests that you consider whether you require independent advice before acting upon any Site Content or any information found on a Third Party Site.
15. Availability of an Online Site
Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an "as is" and "as available" basis only.
Shannons may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, Shannons may withdraw an Online Site (of part thereof) at any time and without notice to you.
Any cost associated with accessing an Online Site is the user's responsibility and is dependent on the internet or telecommunications service provider used.
16. Restrictions on use of an Online Site
The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of Shannons Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 17.
You agree that you will not, (either yourself or through any Third Party):
use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without Shannons prior written permission;
use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any Third Party;
use any information on or accessed through any of our Online Sites for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without Shannons prior written permission.
17. No use of any Online Site for unrelated persons
You must only use our Online Sites (as permitted by their design) to:
obtain insurance quotes;
obtain other information relating to the price of insurance cover from Shannons;
conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries;
- in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.
- You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from Shannons or conduct insurance-related transactions or queries.
- You also agree to indemnify Shannons in respect of any liability incurred by Shannons for any loss, cost, damage or expense, howsoever caused, suffered by Shannons as a result of your breach of this term 17.
18. Third party providers
19. Copyright and trademarks
Copyright in the Material on an Online Site is owned or licensed by Shannons.
Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a Third Party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of Shannons.
Shannons and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. The Shannons chequered flag and shield image and the chequered flag image with the words insurance and auction sales are both registered trademarks of AAI Limited. AAI Limited additionally reserves its rights in relation to the marks: Shannons Club, Shannons Garage, Shannons My Garage. Shannons holds the registered trademark Share the Passion and regularly uses the phrase Insurance for Motoring Enthusiasts in trade and commerce.
Third Party trademarks are trademarks of the respective Third Parties.
Termination of these Online Terms
Unless otherwise stated in this term 20, your access to our Online Site(s) may be terminated at any time by Shannons for breach of these Online Terms or where we reasonably suspect fraudulent activity. You may terminate your use of our Online Sites at any time. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of Shannons, will survive any termination. Upon termination, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).
Termination of access to Shannons Online Services
We reserve the right to terminate your access to Shannons Online Services any time upon notice to you for breach of these Online Terms, where we reasonably suspect fraudulent activity associated with your account, or you have not accessed your account for 4 years. You must terminate your access and/or use of Shannons Online Services if you are no longer a policyholder, an active claimant or nominated representative under the relevant Shannons insurance policy accessible via Shannons Online Services. You agree to fully indemnify us for any cost, loss, or damage, arising from your deliberate or negligent acts while using Shannons Online Services if you are no longer a policyholder, active claimant or nominated representative under the relevant Shannons insurance policy, or from your breach of these Online Terms. You may terminate your access to Shannons Online Services at any time upon notice to us. That notice must be given to us to by emailing email@example.com and you must provide sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received. The limitation of liability expressed in term 20.1 also applies to the termination of Shannons Online Services.
Termination of access to Claim online
We reserve the right to terminate your access to Claim online any time upon notice to you for breach of these Online Terms, where we reasonably suspect fraudulent activity associated with your account, or you have not accessed your account for 4 years. You are not permitted to use Claim online if you are no longer a policyholder, active claimant or nominated representative under the relevant Shannons insurance policy. You agree to fully indemnify us for any cost, loss or damage arising from your deliberate or negligent acts while using Claim online if you are no longer a policyholder, active claimant or nominated representative under the relevant Shannons insurance policy, or from your breach of these Online Terms. You may terminate your access to Claim online at any time upon notice to us. That notice must be given to us either by calling us on 13 46 46 or by emailing firstname.lastname@example.org and providing sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received. The limitation of liability expressed in term 20.1 also applies to the termination of Claim online access.
Prohibition on access post termination
Upon termination of these Online Terms and/or your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.
21. Acceptance of and changes to these Online Terms
You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.
You accept that Shannons has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms. We won’t change the terms while you are on an Online Site, but each time you attend the Online Site you agree to the Online Terms afresh.
22. Shannons complaints resolution process
If you are dissatisfied with your dealings with Shannons in relation to your use of an Online Site please let us know by emailing us at email@example.com.
We will review your email and contact you with a reply or to ask you for further information, if it's required. If you make a complaint and it is about a Shannons insurance policy or insurance claim, you may have additional rights of appeal, such as under Shannons formal complaint handling process. We will tell you if that is the case. See the "How we resolve your complaints" brochure on our Main Site for more information about how Shannons resolves complaints.
An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content, including in relation to the sale or issue of insurance products or membership of Shannons Club.
Shannons only offers its insurance products for sale within Australia.
The law applicable to an Online Site (including Shannons operation of any Social Media Site), and to any complaints arising from an Online Site is the law of the State of Queensland Australia, unless the complaint relates to an insurance contract in which case relevant state or federal law will apply. By using any of our Online Sites, and except for an insurance contract dispute, you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.
Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.
You may not rely on the words or conduct of Shannons as a waiver of any right unless the waiver is in writing. In this term "conduct" includes delay in the exercise of any right. "Right" means any right of Shannons arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. "Waiver" includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.
24. Linking to any of our Online Sites
Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any party of our Online Site(s). Only written permission from us will constitute authorisation of a link.
25. Our Online Privacy Statement starts here
By using an Online Site you accept that any personal information Shannons collects about you will be handled according to terms 25 to 31 of these Online Terms as well as:
In addition to these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a Third Party social media website that hosts a Shannons Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from Shannons, you will be bound by the relevant terms of that promotion, activity, product or service.
26. Your online privacy
Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 10 and 28 for further information about the public display of your content.
The Main Site uses the services of the firm Adobe to monitor website use. The Adobe tool does not collect any personal information while you use our site(s) and the reports it provides to us are of aggregated information only. These reports help us to maintain, administer and improve these sites.
27. Posting public content
Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by Shannons publicly in accordance with terms 10, 26 and 28. Your information may also be retained by Shannons where there is a legal reason to retain it for a longer period.
28. Information collected and how we use it
The information we will collect about you will depend on how you use an Online Site.
If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.
An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.
Personal information submitted to an Online Site
When you as a user of an Online Site ("Online Site User"), including any Social Media Site User referred to in term 10 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise ("Online Site User Content") (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), you consent to that personal information being collected by Shannons and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.
You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to us via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to us, please exercise caution and DO NOT provide it to us.
In the case of personal information which is provided to Shannons for public display by a Social Media Site User (this includes any 'tweet' you send to Shannons on Twitter, which we may "re-tweet" to other Twitter users), Shannons may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 10 for what other uses and/or disclosures Shannons may make of a Social Media Site User's personal information and what limits it imposes.
We may collect your personal information (such as your name, email address, mobile phone number or Social Media Site alias) in order to provide you with an interaction or outcome you have requested. This may require us to disclose your personal information to one or more third parties, including but not limited to agents or external service providers.
If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.
Where practical we will collect your personal information directly from you.
Security of personal information submitted to our Main Site
All personal information you provide to our Main Site over the internet while inquiring about or obtaining an insurance quotation is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). Shannons uses a strong form of SSL encryption (128-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to Shannons while it is in transit over the internet. Once your personal information has been received at our Main Site, we take all reasonable precautions to securely pass that information to the Shannons mainframe computer or the GIO mainframe computer in the case of CTP insurance. Neither Shannons mainframe computer nor the GIO mainframe computer is directly accessible through the internet. No details you provide to us are stored on a web server.
When you make an online payment on one of our Online Sites your payment card number will be passed in a secure manner between our Online Site and one or more third party providers, such as the issuer of your payment card. Your payment card number will be recorded in a mainframe computer operated by Shannons or by another member of the Suncorp Group on behalf of Shannons, and will not be transmitted over the internet to payment card providers or payment providers. Neither Shannons nor any payment provider we allow will store your payment card details on any web server. If your payment card number is stored it will only be for Shannons or our financial institution's record keeping purposes (or otherwise as required by law), and then it will be stored with an even higher level of encryption.
As part of our recruitment process, we will gather information on your background, including personal information that you include on your application or resume, such as your name, mailing address, telephone number, email address, career history, details of any competency tests or other information relating to your career.
In some circumstances, we may also collect sensitive information about you such as information about your membership of a professional or trade association or trade union; security clearance or any criminal record(s) or charges you may have had filed against you. When we need to collect this type of information, we will obtain your consent. If it is provided to us by way of your initial application, then your consent for us collecting it will be inferred.
There may be occasions when we obtain personal information about you from a Third Party; for example, when receiving the results of a psychological or competency test or assessment centre results. When we need to collect this type of information, we will obtain your consent prior to you taking part in the exercise.
In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.
Please be aware, if you do not provide us with the information we require, we may be limited in the Suncorp Group's ability to consider you for employment.
Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with the Suncorp Group.
Should we engage Third Party contractors or vendors to perform recruitment services for us, which involve handling your personal information, we will take reasonable steps to prohibit these parties from using your personal information except for the purposes for which it was supplied.
29. Third Party Sites (including Third Party social media sites)
Our Online Sites may contain links to Third Party Sites (see term 2.1). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
30. Your privacy rights and complaint resolution
If Shannons has collected your personal information through your use of an Online Site, then you have a right to access, update or correct that personal information. You may also request we delete your personal information held by us for your Shannons Club Membership. You also have the right to make a complaint about your privacy. Click here to find out the contact points should you have an information access or correction request or privacy concern relating to your use of an Online Site.
We will review your correspondence or request and contact you with a reply or to ask you for further information, if required. We respect your legal right to access and correct your personal information and will respond to your request within a reasonable time. We will ordinarily not charge you a fee to access your personal information, however in some circumstances we may elect to charge you a reasonable fee for access, as permitted by law.
If you make a complaint about your privacy you may have additional rights of appeal, such as under our formal dispute resolution process. We will tell you if that is the case. See the "Making a Privacy Complaint" part of our main website for more information about how we resolve privacy complaints.
These Online Terms are dated 25th October 2023.