Shannons Car Insurance

Shannons is known for its niche car insurance policies for motoring enthusiasts looking to cover their vintage, classic, sporting or modified vehicle. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Shannons is a leading insurance provider for motoring enthusiasts, offering specialised car coverage for more than 40 years. Its policies cater to the unique needs of car enthusiasts, with options tailored for veteran, sporting, modified, vintage and classic vehicles

In this review, we take a look at Shannons' products so you can understand its car insurance options. Find out what the policies cover and the optional extras you can add today!

Disclaimer: all coverage offered by Shannons is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Shannons if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Shannons for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

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What car insurance policies are available through Shannons?

Shannons offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive coverage offers the most extensive list of inclusions of the different types of car insurance cover. Shannons’ Comprehensive Car Insurance has the following inclusions as standard:

  • Accidental loss or damage to your vehicle caused by incidents such as hail, storm, flood, fire, theft, vandalism, collision and impact
  • Legal liability for death, bodily injury and property damage caused by your vehicle, up to $20 million
  • Towing and storage costs costs for your damaged vehicle, with cover for transport costs from the incident scene to your destination, repairer or hire car provider, up to $250 per incident
  • Cover for vehicle damage during a defensive driving course
  • If your vehicle is a total loss within two years of the original registration, Shannons will replace it with a new vehicle of the same make and model
  • A hire car will be provided for up to 21 days following theft of your vehicle, or alternative transport costs will be reimbursed
  • A hire car will be provided after a not-at-fault incident that renders your vehicle undrivable, or alternative transport costs will be reimbursed
  • Emergency expenses for repairs, accommodation and personal property in the vehicle, up to $1,000 per incident
  • Replacement baby capsules and child seats in the event of theft or damage, up to $750 per item
  • Learner drivers are covered while driving under instruction from a fully licensed driver
  • Emergency expenses for breakdowns at motor enthusiast club rallies, such as accommodation and travel costs, up to $500 per incident
  • Liability for loss or damage to another person’s vehicle or property while using a substitute vehicle for 14 days
  • Windscreen or window glass repair or replacement without an excess payment for one claim per policy period
  • Accidental loss or damage to your trailer while attached to your vehicle or running out of control, up to $1,500 per incident
  • Damage to your vehicle caused by a collision with an uninsured driver if the uninsured driver is entirely at fault, up to $5,000
  • Third party property damage for caravans and trailers, up to $20 million
Third Party Legal Liability Insurance

Shannons’ Third Party Legal Liability Insurance offers a more basic level of cover, providing protection against damage caused by your vehicle to other people’s property, rather than to your own vehicle. It offers the following inclusions:

  • Legal liability for death or bodily injury to other people and loss or damage to someone else’s property caused by the use of your vehicle
  • Maximum coverage limit for all claims from one incident of $20 million, including legal costs
  • Defensive driving courses covered for third party legal liability
  • Hire car costs if your vehicle is damaged in an incident covered by the policy, and you are not at fault
  • Transport cover when your vehicle is damaged by an uninsured drivers
  • Learner drivers are automatically covered when driving your motor vehicle under instruction from a fully licensed driver
  • Damage caused by collisions with uninsured drivers if the insured driver is not at fault, up to a maximum of $5,000
  • Third party property damage for caravans and trailers when your vehicle is towing them and causes damage to another person’s vehicle or property, up to $20 million
Compulsory Third Party Insurance

All cars in Australia must be covered by Compulsory Third Party (CTP) insurance – known in New South Wales as a Green Slip. Shannons, as an authorised representative of insurance provider GIO, is able to offer Green Slip cover to NSW residents. This protects a driver from liability if they injure or cause the death of a person in a road accident, and covers:

  • The cost of treatment and care for the injured party
  • The loss of income for the injured party
  • Damages claims lodged by the injured party
  • 26 weeks of benefits starting from the accident date if you are at fault

Are there any optional extras available through Shannons?

Yes – Shannons’ Comprehensive and Third Party Legal Liability policies both offer roadside assistance as an optional extra. On top of this, Shannons’ Comprehensive plan offers the following optional cover:

  • Salvage rights
  • Unlimited days of hire car use after an event
  • Racing cover

What are some of the pros and cons of buying car insurance through Shannons?

  • Specialised insurance: Shannons’ car insurance policies are specifically designed for owners of rare, unique, vintage and modified cars.
  • Choice of repairer: you can choose your own repairer or Shannons can manage the repair process for you.
  • Salvage rights: if your vehicle is over 35 years old is written off, you can keep the unrepaired vehicle.
  • More expensive than typical policies: because you are insuring a modified, classic or unique car, car insurance with Shannons is generally more expensive.
  • Towing limits: Shannons only covers one tow from the scene of the incident for any one claim.

Common questions about Shannons car insurance

Does Shannons operate Australia-wide?

Yes – Shannons’ Comprehensive and Third Party Legal Liability car insurance plans are available in any state or territory in Australia. However, Shannons’ Green Slip insurance is only available to New South Wales residents.

What types of vehicle usage am I covered for with Shannons?

When you take out your policy with Shannons, you will need to specify the type of vehicle usage. The following types of usage are available:

  • Private: your car is used for private purposes, including commuting, but not ridesharing.
  • Business: your car registered for business use or is used for earning purposes but not ridesharing.
  • Wedding hire: your car is used to carry passengers for hire or reward for weddings or school formals.
Can I get cover if I use my car less frequently?

Shannons covers cars for regular use as standard, but under its Comprehensive car insurance plan you may be able to insure your car for limited usage, as follows:

  • Limited use: using your vehicle no more than twice a week on average.
  • Extreme limited use: using your vehicle no more than twice a month on average.
  • Club plate use: driving your vehicle only in accordance with your state or territory’s rules and regulations for club permit, historic registration or rally registration.
  • Laid up: your vehicle is not in use, with removed parts, and is located at your address, a private residence, a Shannons auction or motoring event, a garage or workshop for repairs, or is being loaded, unloaded or transported.
What car insurance discounts are available with Shannons?

There are a number of ways to save money with Shannons car insurance, including:

  • Protected no-claim bonus
  • Multi-vehicle discount
  • Multi-policy discount
  • Flexible excess

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