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Shannons Car Insurance
We have provided a summary of the car insurance cover available from Shannons below.
What types of car insurance does Shannons offer?
Shannons offers third-party legal liability cover as well as comprehensive cover (which includes third-party legal liability cover), at the time of writing. There is also a range of optional extras available, typically available with an additional cost. The company states that it is a specialist provider, offering cover designed to appeal to motoring enthusiasts who may, for example, drive “vintage and veteran to classics, hot rods, modified and contemporary cars”. Shannons state that when quoting, they will ask you how your car is to be used, and if it belongs to such categories as:
- Daily drive
- Enthusiast vehicle
- Spouse’s daily drive
- Laid up cover (for cars that are not being driven for a period of time).
Shannons has specific definitions that apply to vehicles that they will cover under their policies. It offers cover for cars, trucks, tractors, motorcycles, collectable caravans and trailers. There are limitations, depending on factors including the age of the vehicle and its use. Check with Shannons.
If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.
Below is further information on Shannons’ Comprehensive Car Insurance product.
Shannons Comprehensive Car Insurance
Shannons Comprehensive Car Insurance policy is designed to cover accidental loss or damage and third-party legal liability. There are a range of additional covers available, also.
Accidental loss or damage cover, at the time of writing, includes cover for a range of incidents such as:
- Hail and storms including cyclones,
- Theft
- Vandalism
- Collision and impact.
Limits apply, so it could be a wise idea to read the Product Disclosure Statement.
Its third-party legal liability cover includes, for example, other people being injured and other people’s property being damaged, in certain circumstances. Cover is limited to $20 million, at the time of writing.
There are also a range of ‘additional covers’ available, which Comprehensive policyholders may be entitled to, for example:
- Towing and storage costs
- Defensive driving courses
- New-for-old replacement (after a total loss, for vehicles less than two years old)
- Hire car up to 21 days (depending on incident)
- After-claim expenses
- Transport of damaged car to a repair facility
- Incidents that happen while a learner driver is driving the car
- Emergency expenses following breakdown at a motor enthusiast club rally
There may also be a range of optional covers available to add on to a policy (typically for an additional cost) including:
- Shannons Roadside Assist
- Salvage rights
- Racing cover
