Shannons Car Insurance

Shannons is a provider of car insurance in Australia, targeted at motoring enthusiasts, and also offers motorbike and home insurance products, as well as roadside assistance services. The company is part of the Suncorp Group.

We have provided a summary of the car insurance cover available from Shannons below.

Shannons LogoWhat 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

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Shannons Insurance FAQs

How do you buy car insurance from Shannons?

First, consider comparing comprehensive car insurance policies among a range of providers with Canstar to see if you can find a product that suits your needs.

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If you choose to go with Shannons, you can get a car insurance quote directly through its website or over the phone.

Does Shannons Motor Insurance let you nominate a higher or lower excess?

Shannons does allow Comprehensive policyholders to have a ‘flexible excess’ option, depending on the policy conditions An excess is the amount you will need to contribute towards the cost of your claim. Shannons policies include the following excesses:

  • Basic excess: applies to all claims, unless otherwise stated.
  • Flexible excess: paid in addition to the basic excess. Shannons says it allows some Comprehensive policyholders to choose from a list of flexible excess options.
  • Theft excess: applies when the loss or damage is caused during the theft or attempted theft of a vehicle.
  • Young driver excess: applies if the person driving is under the age of 25 (at the time of writing), but does not apply if the vehicle is 35 years or older, according to Shannons.
  • Racing excess: Where a policy includes racing cover, there is an excess that applies that is in addition to any other excess.

Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa.

Does Shannons let you choose between market and agreed value?

Shannons states that Comprehensive policies are on an ‘agreed value’, which includes the value of accessories and modifications. The company’s Product Disclosure Statement states that there are some instances where the market value of the car would be considered, but it would need to be specified in your policy. Check with Shannons for details.

If you’re not sure which of these options would be better for your vehicle specifically, here’s an article about market vs agreed value which could help you make your mind up.

How do you lodge a claim with Shannons?

Claims on a Shannons policy can be made via:

  • Phone
  • Online – Shannons states they will contact you within two days to discuss the next steps
  • Suncorp app (as the company is part of the Suncorp Group)


Shannons also states that it is possible to use its website to view and manage the progress of the claim online (via an online account).


How do you renew your car insurance with Shannons?

Renewing car insurance with Shannons can be done via:

  • Online, through its ‘Quick Pay’ system, which accepts Visa and Mastercard
  • Phoning them
  • BPAY via your online bank account
  • Australia Post offices (pay at the counter)
  • Filling out the renewal slip and mailing it back to Shannons.

Consider comparing car insurance policies before simply renewing the same policy, to help ensure you can continue to get the cover you need as well as value for money.

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Shannons is an insurance provider that is part of the Suncorp Group.

About Shannons Insurance

Shannons specialises in providing insurance to motoring enthusiasts. The company also runs Shannons Auctions, which is a large auction house for ‘veteran, vintage, classic, sporting and modified vehicles’, as well as motorcycles, memorabilia and number plates. The company states that it sponsored more than 1,200 motoring enthusiast events in Australia each year, and runs Shannons Club, which it bills as ‘Australia’s largest online motoring enthusiast community’.

About Suncorp Group

Suncorp Group offers insurance, banking and wealth products and services throughout Australia and New Zealand. Formed in 1902, it now holds more than $96 billion in assets including brands such as AAMI, GIO, Bingle, Apia, and Shannons.

Written by: Amanda Horswill | Last updated: September 27, 2021