Youi car insurance

Youi's overall rating for car insurance

(as rated by the Mozo community)

8.2 / 10

based on 1091 reviews

Looking for an insurer that puts you at the centre of everything it does? Well look no further than Youi. APRA and ASIC regulated, Youi underwrites its own policies, so when you apply with this insurer, you’ll be in the hands of people who know their product like the back of their hand.

Check out some important Youi car insurance details below:

Youi offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer  

Yes costs extra

Not Published


Optional Extra

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*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What’s covered?

First things first, you’ll want to know what costs are covered by your Youi insurance policy. Some of the main ones include:

What’s not?

On the other hand, there are a few things not covered by your Youi policy, including:

Some things that aren’t covered under a regular Youi policy but can be added as an optional extra, include:

How much does Youi car insurance cost?

The cost of your car insurance is made up of a few different things, including:


Your premium largely comes down to how at risk of making a claim you are. The factors Youi looks at to determine this include:


Unfortunately, there aren’t so many discounts on offer from Youi to keep your insurance costs low. So don’t count on a no claims discount, but you will get a discount on your contents insurance if you bundle it with your car insurance policy.


You can raise or lower your Youi premium by opting for a different level of excess. If you choose a high excess, you’ll pay a lower premium, and vice versa. Just remember that if you opt for a low premium, high excess policy - which might be tempting if your budget is tight - you’ll have to come up with more money in the event of an emergency.

Also, keep in mind that there’s an extra excess if your car was being driven by someone not listed on your insurance policy when an accident took place.

How do I pay my premium?

With Youi, you can pay your premium via direct debit, or, if you have an eligible credit card, you can pay that way. Your car insurance premium is usually paid upfront as a lump annual sum each time you renew your policy. Although you do have the option to pay your Youi premium in monthly installments, but remember that it will cost extra to do it this way.

How is Youi rated by customers?

Now you’ve read the need-to-know details, are you ready to hear the opinion of everyday Aussies just like you? Check out our customer review section, where Youi customers have rated their car insurance policy in areas like trust, convenience and price.

Making a claim

To make a claim on your Youi policy, you can call, or fill in an online form. Whichever method you decide works best for you, remember that you’ll need to provide some details in order for your claim to be processed. This includes:

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