{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "shannons",
  "name": "Shannons",
  "website": "https://www.shannons.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": {
   "name": "Shannons Pty Limited",
   "abn": "91099692636",
   "afsl": null,
   "authorised_representative_no": "239594"
  },
  "products": [
   {
    "name": "Shannons Home & Contents Insurance with Enthusiast Cover (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupied homes for genuine motoring enthusiasts; not for properties rented to tenants or strata/body corporate buildings.",
    "states": null,
    "documents": [
     {
      "title": "Home & Contents Insurance with Enthusiast Cover Product Disclosure Statement (prepared 17 February 2025)",
      "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-building-kfs-sh03202a-210625a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Target Market Determination - Home and Contents Insurance",
      "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf",
      "date": "2025-06-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast.",
      "url": "https://www.shannons.com.au/home-insurance.html",
      "checked": {
       "status": "missing",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast.",
       "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20can%20protect%20your%20home,tailored%20to%20the%20motoring%20enthusiast.",
       "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
       "confirmed": "2026-11-12"
      }
     },
     "channel": {
      "text": "Home and Contents Insurance Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast. Get a quote",
      "url": "https://www.shannons.com.au/home-insurance.html",
      "checked": {
       "status": "missing",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Home and Contents Insurance Shannons can protect your home as well as your car with Home & Contents policies tailored to the motoring enthusiast. Get a quote",
       "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Home%20and%20Contents%20Insurance%20Shannons,motoring%20enthusiast.%20Get%20a%20quote",
       "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
       "confirmed": "2026-11-12"
      }
     },
     "cover_basis": {
      "text": "Shannons will rebuild, replace or repair new for old regardless of age, or we will pay the assessed cost of doing so, up to the sum insured.",
      "url": "https://www.shannons.com.au/home-insurance.html",
      "checked": {
       "status": "missing",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Shannons will rebuild, replace or repair new for old regardless of age, or we will pay the assessed cost of doing so, up to the sum insured.",
       "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20will%20rebuild%2C%20replace%20or,up%20to%20the%20sum%20insured.",
       "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
       "confirmed": "2026-11-12"
      }
     },
     "flood": {
      "text": "Shannons Home & Contents Insurance includes automatic flood cover.",
      "url": "https://www.shannons.com.au/home-insurance.html",
      "checked": {
       "status": "missing",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Shannons Home & Contents Insurance includes automatic flood cover.",
       "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20Home%20%26%20Contents%20Insurance%20includes%20automatic%20flood%20cover.",
       "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
       "confirmed": "2026-11-12"
      }
     },
     "accidental_damage": {
      "text": "you can ask us to add accidental loss or damage cover to your policy for an extra premium.",
      "url": "https://www.shannons.com.au/home-insurance.html",
      "checked": {
       "status": "missing",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you can ask us to add accidental loss or damage cover to your policy for an extra premium.",
       "url": "https://www.shannons.com.au/home-insurance.html#:~:text=you%20can%20ask%20us%20to,policy%20for%20an%20extra%20premium.",
       "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
       "confirmed": "2026-11-12"
      }
     },
     "eligibility": {
      "text": "Shannons products are also targeted at customers who qualify as genuine motoring enthusiasts.",
      "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf",
      "checked": {
       "status": "unreachable",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Shannons products are also targeted at customers who qualify as genuine motoring enthusiasts.",
       "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf#page=2",
       "page": 2,
       "document_sha256": "1ce2c055e3c627edc0a29a05ef32d993230b5a3eaaac0e5c42219c07839c61a9",
       "confirmed": "2026-11-12"
      }
     },
     "unoccupied": {
      "text": "We don’t cover loss or damage if your home or unit hasn’t been occupied for 60 continuous days or more at the time of the insured event.",
      "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We don’t cover loss or damage if your home or unit hasn’t been occupied for 60 continuous days or more at the time of the insured event.",
       "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-contents-pds-sh02906-210625a.pdf#page=36",
       "page": 36,
       "document_sha256": "f348096050a4ad7305ca7852ecda096967cbc88739a5e8ecb076f6419a841719",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental loss or damage cover is an optional extra and the PDS says it is not available when you lease your home under a rental agreement.",
     "Sum insured basis; no Safety Net-style buffer found in the PDS."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "storm, storm surge, flood, lightning, earthquake and tsunami, riot, impact",
     "must_tell": true,
     "conditions": "Unless you had written consent and paid any extra premium. Occupied means furnished to live in, someone eating and sleeping there, and utilities connected.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "home-contents-insurance-with-enthusiast-cover-home-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Shannons Pty Limited ABN 91 099 692 636 (Shannons) is an authorised representative of AAI Limited ABN 48 005 297 807 (AAI), the issuer of car and home and contents insurance.",
    "url": "https://www.shannons.com.au/home-insurance.html",
    "checked": {
     "status": "missing",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Shannons Pty Limited ABN 91 099 692 636 (Shannons) is an authorised representative of AAI Limited ABN 48 005 297 807 (AAI), the issuer of car and home and contents insurance.",
     "url": "https://www.shannons.com.au/home-insurance.html#:~:text=Shannons%20Pty%20Limited%20ABN%2091,and%20home%20and%20contents%20insurance.",
     "document_sha256": "b30846b4726f21ad068b48877af61affd826967d74df04fdcf13bdb648ced1c9",
     "confirmed": "2026-11-12"
    }
   },
   "distributor": {
    "text": "Shannons Pty Limited ABN 91 099 692 636, authorised representative No. 239594, acts as an authorised representative of AAI.",
    "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf",
    "checked": {
     "status": "unreachable",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Shannons Pty Limited ABN 91 099 692 636, authorised representative No. 239594, acts as an authorised representative of AAI.",
     "url": "https://www.shannons.com.au/content/dam/suncorp/insurance/shannons/documents/policy-documents/home/shannons-home-and-contents-insurance-tmd-lr-sh03318-27-06-25-a.pdf#page=2",
     "page": 2,
     "document_sha256": "1ce2c055e3c627edc0a29a05ef32d993230b5a3eaaac0e5c42219c07839c61a9",
     "confirmed": "2026-11-12"
    }
   }
  },
  "curation_notes": "Shannons (motoring-enthusiast brand) sells Home & Contents only, no landlord product. Its old URL /insurance/home-insurance.html returns 404; the live page is /home-insurance.html. On 2026-10-18 the page reworded its issuer sentence; the issuer is still AAI Limited.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "AAI Limited",
    "abn": "48005297807",
    "afsl": "230859",
    "lloyds": false,
    "slug": "aai",
    "apra": {
     "status": "authorised",
     "name": "AAI Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "230859",
     "name": "AAI LIMITED",
     "abn": "48005297807",
     "acn": null,
     "licensed_since": "2003-11-08",
     "locality": "Brisbane QLD 4000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/shannons/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/shannons.json"
 }
}