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No choice of excess: Shannons sets it for you at the time of the quote
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Additional excess for young drivers: $400 for listed drivers under 25, $1,500 if unlisted
Our verdict
Shannons is one of those car insurance companies that might just look like "insurance but for classic cars"—but it’s actually as unique as the cars it covers.
Naturally, it offers what most car insurance policies do—accident cover and the like. And insuring classic, vintage, antique cars, and hot rods? Plus choice of repairer and mod coverage? Those are standard expectations for a classic car insurer.
Where Shannons really sets itself apart is in the details, matching the kind of care and attention you put into your vehicle. Take their No Claim Bonus, for example. Most insurers cap theirs at 15%, but Shannons goes all the way to 65%, and you can lock it in after three claim-free years. By that point, they seem to trust you’re not taking unnecessary risks with your car.
Then there’s the excess. Unlike most, Shannons doesn’t let you choose it—it’s set according to your car’s specifics. That might make sense for rare or modified cars, but it does mean less flexibility. Still, the No Claim Bonus and other discounts help balance that out.
At the end of the day, Shannons doesn’t just provide insurance—it’s a policy from people who understand what it means to really care for your car. It may not be the best fit if your car is a moderately unique older model, but if your car is your pride and joy, Shannons gets it.