Shannons Pty Limited is a part of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy

In short referred to as Shannons "Online Terms".

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

  • 1.1

    Shannons Pty Limited (ABN 91 099 692 636) ("Shannons", "we" or "us") operates Shannons online sites ("Online Site" or "Online Sites"), including our:

    • 1.1.1

      main website (www.shannons.com.au) ("Main Site");

    • 1.1.2

      Shannons Club website (www.shannons.com.au/club), Shannons Club landing website and Shannons Club mobile device site (m.shannons.com.au/club) ("Shannons Club Sites");

    • 1.1.3

      mobile device site (m.shannons.com.au) ("Mobile Site");

    • 1.1.4

      Shannons Claim Assistant application ("Claim Assistant app");

    • 1.1.5

      Shannons Claim Mate ("Claim Mate");

    • 1.1.6

      Shannons My Insurance ("My Insurance");

    • 1.1.7

      Claim online ("Claim online"); and

    • 1.1.8

      social media site(s) ("Social Media Site" or "Social Media Sites") as operated from time to time.

      The Main Site, Mobile Site, Shannons Club Sites, Claim Assistant app, Claim Mate, My Insurance and Claim online are owned and operated by Shannons. Unless otherwise stated, Shannons property insurance policies (car, motorcycle, building and contents) are issued by AAI Limited ABN 48 005 297 807 AFSL no. 230859 while 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.

      Please be aware that certain parts of our Main Site and/or Mobile 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 and/or Mobile 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).

      Shannons Main Site, as well as other Online Sites from time to time, contain information about public auctions, 'park and sell' or similar property sales activities (collectively referred to as "Auction Activities") carried out by Shannons Auctions Limited (ABN 83 099 655 497) ("Shannons Auctions"). Shannons Auctions is responsible for the advertising, management and conduct of Auction Activities and permits Shannons to host Auction Activities content on its Online Sites. Subject to any responsibilities implied by law and which cannot be excluded, Shannons Auctions, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Auction Activities on any Online Site, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

  • 1.2

    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 of companies in Australia and New Zealand ("Suncorp Group").

  • 1.3

    Our 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

  • 1.4

    In addition to these Online Terms, other terms of use or conditions may apply to your use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. If such additional terms of use or conditions apply, we will bring them to your attention and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on one or more of our Online Sites, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with a promotion's terms and conditions, the latter will prevail to the extent of the conflict. The Shannons Club Sites are separately governed by the http://www.shannons.com.au/club/terms.

  • 1.5

    Shannons owns and operates the Main Site and Mobile Site. For the purposes of these Online Terms the Mobile Site forms part of the Main Site. These sites include all respective web pages under or forming part of the domain names: shannons.com.au and m.shannons.com.au. Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. Shannons disclaims that our Mobile 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 or 10 inches or greater. The relevant versions of the Claim Assistant app are designed for use on (i) Apple Incorporated's compatible electronic devices including iPhone, iPad and iPod Touch, (ii) electronic devices compatible with Android™ apps, such as those available from the Google Play Store or the Samsung™ app store.

  • 1.6

    As part your use of our Online Sites or Site Content you may need to agree to the terms of use of a website or application that is owned and/or hosted by one or more third party providers. If any term within these Online Terms should conflict with any third party's terms of use, the later will prevail to the extent of the conflict insofar as your use or access to that third party site is concerned.

2. Links to other third party websites and applications

  • 2.1

    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").

  • 2.2

    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.

  • 2.3

    Subject to any applicable law which cannot be excluded, Shannons makes no warranties or representations:

    • 2.3.1

      regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or

    • 2.3.2

      that Third Party Material does not infringe the intellectual property rights of any person.

  • 2.4

    Shannons is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.

  • 2.5

    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.

  • 2.6

    As part your use of our Online Sites or Site Content you may need to agree to the terms of a Third Party Site. If any term within these Online Terms should conflict with any third party's terms of use, the latter will prevail to the extent of the conflict insofar as your use or access to that Third Party Site is concerned.

3. Your privacy

  • 3.1

    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 and renewal

  • 4.1

    Main Site content:

    The Main Site:

    • 4.1.1

      contains information of a general nature about Shannons and Shannons products and services;

    • 4.1.2

      enables certain persons to purchase and pay for some insurance products and services online;

    • 4.1.3

      enables certain persons to renew some insurance products and services online;

    • 4.1.4

      enables Shannons customers to view, manage and change certain Shannons insurance policies online using Shannons "My Insurance" self service function ("My Insurance") subject to these Online Terms including specific terms of use set out in term 6; and

    • 4.1.5

      enables Shannons customers to manage certain insurance claims using Claim Mate and lodge certain insurance claims using Claim online subject to these Online Terms including the specific terms of use set out in term 6.

  • 4.2

    Shannons standard terms and conditions apply.

    All applications for insurance or other products made via this Website are subject to and must comply with Shannons normal approval criteria, and are governed by the normal terms and conditions applying to each product or service requested. Click here to access Shannons policy documents.

  • 4.3

    Shannons product information, insurance purchase and renewal the Main Site

    • 4.3.1

      Transactions on the Main Site

      • 4.3.1.1

        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.

      • 4.3.1.2

        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.

      • 4.3.1.3

        You further acknowledge that, to the extent permitted by law, Shannons is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.

    • 4.3.2

      Purchasing insurance policies

      • 4.3.2.1

        Where the Main Site enables you to purchase insurance products or services online:

        • 4.3.2.1.1

          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;

        • 4.3.2.1.2

          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

        • 4.3.2.1.3

          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.

      • 4.3.2.2

        Creating a binding insurance contract with Shannons via the Main Site is only available for existing customers through My Insurance and is a three-step process.

        • 4.3.2.2.1

          The first step is to register or login to Shannons My Insurance (this is only accessible to existing Shannons policyholders).

        • 4.3.2.2.2

          The second 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.

        • 4.3.2.2.3

          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 three enables you to accept that quote and create a binding insurance agreement with a corresponding Shannons policy number.

      • 4.3.2.3

        When entering into a contract via the Main Site, you will be taken to have communicated your acceptance to an offer of insurance from Shannons only when:

        • 4.3.2.3.1

          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");

        • 4.3.2.3.2

          a record is created and stored in the Relevant Database;

        • 4.3.2.3.3

          a Shannons policy number is generated by the Relevant Database; and

        • 4.3.2.3.4

          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 required premium.

      • 4.3.2.4

        If payment by instalments is offered to you and if you elect to pay your premium by instalments then you may be able to select the particular day of each month (or other instalment period) on which your credit card will be automatically charged for the relevant payment.

      • 4.3.2.5

        A binding insurance contract is conditional on Shannons being able to successfully charge against your nominated payment card and Shannons receiving payment of your applicable premium (either by a single payment or where permitted in instalments).

      • 4.3.2.6

        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. 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.

      • 4.3.2.7

        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.

      • 4.3.2.8

        You must contact Shannons immediately if you do not receive a policy number via the My Insurance self service function following your transaction.

    • 4.3.3

      Renewal Payments

      • 4.3.3.1

        The renewal payment for certain Shannons insurance policies can be made online with selected payment cards at the Main Site.

      • 4.3.3.2

        The policy renewal notice will indicate whether online renewal payment is available.

      • 4.3.3.3

        To make an online renewal payment, follow the "Quick Payment" link from the Main Site.

      • 4.3.3.4

        When making a payment for a policy renewal via the Main Site, you will be taken to have renewed that policy only when:

        • 4.3.3.4.1

          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;

        • 4.3.3.4.2

          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;

        • 4.3.3.4.3

          a record is created and stored in the Relevant Database;

        • 4.3.3.4.4

          a Shannons receipt number is generated by the payment system; and

        • 4.3.3.4.5

          the Relevant Database is updated with information from the payment database.

    • 4.3.3.5

      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).

    • 4.3.3.6

      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.

5. Shannons Main Site: payments

  • 5.1

    All payments for any insurance products, renewals, or other services purchased via the Main Website must be paid in full by clear funds by the due date specified in the relevant confirmation.

  • 5.2

    Unless expressly stated otherwise, all payments referred to in term 5.1

    are to be made by selected payment cards at the time of purchase or renewal of the applicable Shannons policy or service. You must therefore provide to Shannons details of your current and valid payment card, including:

    • 5.2.1

      payment card type;

    • 5.2.3

      name on payment card;

    • 5.2.3

      payment card number; and

    • 5.2.4

      payment card's expiry date.

6. Shannons My Insurance/Shannons Claim Assistant/Shannons Claim Mate/ Claim online

  • 6.1

    Shannons "My Insurance"

    Shannons My Insurance self service function enables you to view, manage certain Shannons insurance policies online. Certain changes to your policy are not permitted, including those that would have a financial impact (for example, require an additional premium to be paid). In addition to the overall Online Terms, terms 6.1 and 6.2 apply to the My Insurance self service function.

  • 6.2

    Accessing "My Insurance"

    • 6.2.1

      My Insurance 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 My Insurance self service function, relating to you and/or one of your insurance policies currently held with Shannons. (collectively, this information is your "Login"). You will only be able to "log in", generate a Login, and use My Insurance if you hold at least one current Shannons insurance policy.

    • 6.2.2

      You must not provide details of your Login to any other person. You must not allow any other person to use your Login.

    • 6.2.3

      You must not use My Insurance to access or modify the details of another person without their authority. Criminal penalties may apply if you do so.

    • 6.2.4

      My Insurance may not allow all of the transaction types for CTP insurance that Shannons permits for property insurance. If you have a question or require assistance with your Shannons CTP policy please call us on 13 46 46.

  • 6.3

    Shannons Claim Assistant

    Shannons offers an application ("Claim Assistant app") which allows Shannons motor vehicle insurance policyholders to collect accident-related information and notify Shannons of their intention to make a claim on their policy. The Shannons Claim Assistant app is available at no cost from Apple on the App Store, however a user requires a compatible Apple device such as an iPhone, iPad or iPod Touch, a valid iTunes account and a working internet connection. The Shannons Claim Assistant app is also available for Android™ compatible electronic devices from app stores such as the Google Play™, Store or the Samsung™ app store by way of a valid store account and working internet connection. Additional Terms of Use apply to the use of the Claim Assistant app and they are accessible when the relevant application is downloaded. If you download the Claim Assistant app your use of it is subject to these Online Terms, insofar as they are relevant, and the additional Terms of Use. In the case of any inconsistency between the additional Terms of Use and these Online Terms, the additional Terms of Use will prevail to the extent of the inconsistency. Shannons recommends that Claim Assistant app users set up and operate the optional PIN code, which can be accessed within the application. Please be aware that personal information such as your name, address and motorcycle, which you save into the Claim Assistant app or transmit to Shannons as part of your accident notification will NOT automatically update on our record of your Shannons policy. If you would like to update your policy's details, please contact Shannons at enquiries@shannons.com.au or call us on 13 46 46.

  • 6.4

    Shannons Claim Mate

    Shannons Claim Mate (which forms part of our Main Site) enables you to view and manage certain claim related information for certain Shannons policy types. Please note Shannons Claim Mate is only available for Comprehensive Car Insurance, Comprehensive Motorcycle Insurance, Home Building Insurance and Home Contents Insurance. It is not available for Shannons policy types such as Third Party Property Damage Insurance and Compulsory Third Party Insurance. If you would like information about claims you have made under those products, please call Shannons on 13 46 46. The terms in this term 6.4 are relevant only to those Shannons policies for which the relevant Shannons Claim Mate functionality is available. In addition to the remainder of these Online Terms, the specific terms in this term 6.4 apply to Shannons Claim Mate.

    • 6.4.1

      Accessing Shannons Claim Mate

      • 6.4.1.1

        Shannons Claim Mate 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 will only be able to "log-in", generate a Login, and use Shannons Claim Mate if you hold at least one current Shannons insurance policy for which Shannons Claim Mate is available.

      • 6.4.1.2

        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.

      • 6.4.1.3

        If you hold a policy for which Shannons Claim Mate 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 will need to call Shannons on 13 46 46 to register for Shannons Claim Mate. We can do this for you in a few minutes, since our online registration page doesn't currently cater for certain policy name types.

      • 6.4.1.4

        You must not provide details of your Login to any other person. You must not allow any other person to use your Login. Your Shannons Claim Mate Login is entirely separate to any Login you use to access Shannons My Insurance.

      • 6.4.1.5

        You must not use Shannons Claim Mate to access or modify the details of another person's insurance claim without their clear authority. Criminal penalties may apply if you do so.

    • 6.4.2

      Viewing your claims in Shannons Claim Mate

      When you register for Shannons Claim Mate you will be asked to nominate a current Shannons insurance policy for which Shannons Claim Mate 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 Claim Mate 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.

    • 6.4.3

      Permitted transactions using Shannons Claim Mate

      During an active claim displayed within Shannons Claim Mate, 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 Claim Mate can take up to 5 business days to update your claim excess payment status.

    • 6.4.4

      Termination of Shannons Claim Mate access

      Term 20 of these Online Terms applies in full.

  • 6.5

    Claim online

    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 6.5 to 6.9 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 6.5 to 6.9 apply to Claim online.

  • 6.6

    Accessing Claim online

    • 6.6.1

      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.

    • 6.6.2

      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 Claim Mate, 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.

  • 6.7

    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 at any time – 24 hours a day, seven days a week.

  • 6.8

    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 enquiries@shannons.com.au

  • 6.9

    Termination of Claim online access

    Term 20 of these Online Terms applies in full.

7. Shannons Club Sites

Please refer to the http://www.shannons.com.au/club/terms for the specific terms that apply to the Shannons Club Sites.

8. Valuation tools, calculators, games and other features

  • 8.1

    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.

  • 8.2

    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.

9. Standard terms and acceptance criteria apply

All applications for insurance or other products made via the Main Site or the Mobile Site 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.

10. Social media content you submit to our Social Media Sites

  • 10.1

    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

  • 10.2

    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.

  • 10.3

    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.

  • 10.4

    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.

11. Warranties

  • 11.1

    Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, 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. All information is subject to change without notice. Shannons does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

12. Limitation of liability

  • 12.1

    Subject to any responsibilities implied by law and which cannot be excluded, Shannons, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an 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. Refer to term 1 for the limitation of liability applicable to Shannons Auctions.

13. Indemnity

  • 13.1

    You indemnify Shannons (and any of its related bodies corporate) in respect of any liability incurred by Shannons (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by Shannons (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites.

14. No advice unless stated

  • 14.1

    Unless expressly stated otherwise:

    • 14.1.1

      no Online Site purports to provide you with financial product or investment advice; and

    • 14.1.2

      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

  • 15.1

    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.

  • 15.2

    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.

  • 15.3

    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):

  • 16.1

    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;

  • 16.2

    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;

  • 16.3

    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;

  • 16.4

    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;

  • 16.5

    take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;

  • 16.6

    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

  • 16.7

    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:

  • 17.1

    obtain insurance quotes;

  • 17.2

    obtain other information relating to the price of insurance cover from Shannons;

  • 17.3

    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

Parts of our Online Sites, or the provision of payment processing or other services offered via our Online Sites, may be outsourced to third party providers. These Online Terms apply to any outsourced services, unless you are otherwise notified of any alternate or additional terms of use.

19. Copyright and trademarks

  • 19.1

    Copyright in the Material on an Online Site is owned or licensed by Shannons.

  • 19.2

    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.

  • 19.3

    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.

  • 19.4

    Third party trademarks are trademarks of the respective third parties.

20. Termination

  • 20.1

    Termination of these Online Terms

    Unless otherwise stated in this term 20, these Online Terms and/or your access to our Online Site(s) may be terminated at any time by Shannons. You may terminate your use of our Online Sites at anytime. 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).

  • 20.2

    Termination of access to the Self Service Site

    Shannons reserves the right to terminate your access to the Self Service Site at any time upon notice to you. You may terminate your access to Shannons My Insurance at any time upon notice to Shannons, which notice must be given to Shannons either by email or telephone (the email and telephone number will be noted on the Main Site and may change from time and time). However, such termination will not be effective until notice of that termination is received, processed and acknowledged by Shannons.

  • 20.3

    Termination of access to Shannons Claim Mate

    We reserve the right to terminate your access to Shannons Claim Mate any time upon notice to you. You must terminate your access and/or use of Shannons Claim Mate if you are no longer a policyholder under the relevant Shannons insurance policy. You agree to fully indemnify us for any cost, loss or damage, however caused, arising from your continued use of Shannons Claim Mate if you are no longer a policyholder. You may terminate your access to Shannons Claim Mate at any time upon notice to us. That notice must be given to us to by to enquiries@shannons.com.au 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, processed and acknowledged by us. The limitation of liability expressed in term 20.1 also applies to the termination of Shannons Claim Mate.

  • 20.4

    Termination of access to Claim online

    We reserve the right to terminate your access to Claim online at any time upon notice to you. You must terminate your access and/or use of Claim online if you are no longer a policyholder under the relevant Shannons insurance policy. You agree to fully indemnify us for any cost, loss or damage; however caused, arising from your continued use of Claim online if you are no longer a policyholder. 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 enquiries@shannons.com.au and providing sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received, processed and acknowledged by us. The limitation of liability expressed in term 20.1 also applies to the termination of Claim online access.

  • 20.5

    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

  • 21.1

    You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.

  • 21.2

    These are the current Online Terms (refer to the end of these terms for their date). They replace any other terms of use and privacy statement for an Online Site published on any of our Online Sites. Shannons may at any time vary these Online Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of an Online Site, by publishing the varied Online Terms on an Online Site. Shannons does not have to indicate on an Online Site that these Online Terms have changed, neither is Shannons under any obligation to specifically contact or notify you of any variation to 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.

22. Shannons complaints resolution process

  • 22.1

    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 enquiries@shannons.com.au.

  • 22.2

    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.

23. General

  • 23.1

    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 issue of insurance products or membership of Shannons Club.

  • 23.2

    Shannons only offers its insurance products for sale within Australia.

  • 23.3

    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.

  • 23.4

    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.

  • 23.5

    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

  • 25.1

    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:

    • Suncorp Group Privacy Policy.
    • where you acquire a product or service from us or we collect your personal information, any relevant Privacy Statement which we provide you. Our privacy statements, can be found here.
  • 25.2

    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.

  • 25.3

    When interacting with Shannons about Shannons Auctions' Auction Activities, Shannons collects and handles your personal information under this Privacy Statement. Shannons is authorised by Shannons Auctions to provide information, Auction Activities services to buyers and sellers (including potential buyers and sellers) in relation to Auction Activities.

26. Your online privacy

  • 26.1

    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.

27. Posting public content

  • 27.1

    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 publically 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

  • 28.1

    General Information

    • 28.1.1

      The information we will collect about you will depend on how you use an Online Site.

    • 28.1.2

      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.

    • 28.1.3

      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.

  • 28.2

    Personal information submitted to an Online Site

    • 28.2.1

      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.

    • 28.2.2

      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.

    • 28.2.3

      If you are using our Online Site and decide to obtain a quote or acquire a product or service, as a potential customer or customer we collect, hold, use and disclose your personal information. We have Privacy Statements that detail the information you need to know about our privacy practices when you have a relationship with us as a customer or potential customer. You will be directed to these during the quote and/or application process. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. The specific information for your product or service is detailed in the relevant Privacy Statement. You should review the relevant Privacy Statement for you prior to providing us with your personal information. Please go to shannons.com.au/privacy to find our complete list of Privacy Statements.

    • 28.2.4

      We also collect, hold, use and disclose personal information about individuals when they interact with us in a range of other ways. These may be individuals who are not customers or they may be customers who are interacting with us in a different way. You may be one of these people. For example, you may: interact with us via a Social Media Site; make an online enquiry; be a witness in a customer's claim; or be a claimant on another customer policy. We have Privacy Statements that detail the information you need to know about our privacy practices and how we may deal with your personal information when you interact with us in these other ways. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. You should review the relevant Privacy Statement for you prior to providing us with your personal information. To view the relevant privacy statement for your dealing or interaction with us please go to shannons.com.au/privacy.

    • 28.2.5

      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.

    • 28.2.6

      Shannons may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require Shannons to disclose an Online Site User's personal information to one or more third parties, including but not limited to agents or external service providers.

    • 28.2.7

      If you are using an Online Site such that you are submitting your personal information, you should also first read and understand any separate privacy policy or policies that may apply to your use of any social media website that hosts our Online Site or is connected to any special function or promotion that you are entering. Shannons is not responsible to you for the information handling practices of any such third party, including any host website or service provider.

    • 28.2.8

      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.

    • 28.2.9

      Where practical we will collect your personal information directly from you.

  • 28.3

    Security of personal information submitted to our Main Site or Mobile Site

    All personal information you provide to our Main Site or our Mobile 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 or our Mobile 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.

  • 28.4

    Recruitment information

    • 28.4.1

      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.

    • 28.4.2

      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.

    • 28.4.3

      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.

    • 28.4.4

      In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.

    • 28.4.5

      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.

    • 28.4.6

      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.

    • 28.4.7

      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.

    • 28.4.8

      In instances where we engage a third party recruitment agency to assist with our recruitment efforts, we will ensure that their privacy policy commitments compliment ours.

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

  • 30.1

    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 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.

  • 30.2

    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.

  • 30.3

    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.

31. Cookies

  • 31.1

    The Main Site uses "cookies" as a fundamental part of its interaction with your internet browser. Our other Online Sites may also use cookies as part of their interaction with your internet browser. Cookies enable Shannons to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by Shannons website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

  • 31.2

    Cookies are primarily used by Shannons on its Main Site to enable the online insurance quotation and purchase process. Most of the Main Site operates by use of cookies. Therefore, if you wish to make full use of the Main Site, or any of our other Online Sites, it is recommended that you accept cookies. Cookies may also be used to collect and use information for a range of purposes, including; to maintain and improve the operation of internet sites across the Suncorp Group; to track user preferences and product requirements to customise our Suncorp Group internet sites and improve advertising relevance. We may also have an arrangement with third parties who may use our cookies to improve our advertising relevance to you on their site.

  • 31.3

    Third Party Sites such as social media sites which host our Social Media Sites may also use cookies. You should refer to their respective terms or use and privacy policies for details.


These Online Terms are dated 25th September 2014.