Rates and fees verified as correct at 17 May 2022. Other information correct at the time of writing.
Advertiser disclosure. Important information on terms, conditions and sub-limits
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance||
Yes costs extra
|Go to site|
Unlike most other insurance companies which are underwritten by a larger separate insurance company, Youi underwrites its own policies. That’s because Youi (Youi Pty Ltd) is an Australian registered general insurance company, owned by Youi Holdings Pty Ltd. This in turn is a subsidiary of OUTsurance International Holdings Pty Ltd, which is itself a subsidiary of the international insurance services provider Rand Merchant Insurance Holdings (RMIH) Group.
When it comes to protecting your wheels, Youi offers three main types of car insurance: third party property only, third party fire and theft and comprehensive.
Youi also providers compulsory third party insurance (CTP) for drivers in NSW. Otherwise known as a 'green slip', this kind of insurance is a requirement for all drivers in Australia. It covers you for costs related to injuries and deaths that might be caused during a road accident. So, if you're organising car insurance in NSW, be sure to sort out CTP first.
The first thing worth noting with Youi’s standard comprehensive car insurance, is that roadside assistance and towing cover is included. In most other comprehensive car insurance policies, these features are only available as optional extras. Meaning you would usually pay a bit more for them.
Besides this, Youi’s comprehensive car insurance policy also covers:
Included in Youi’s comprehensive car insurance policy, Youi’s roadside assistance cover entitles you to two callouts per year. After that you will have to pay for each additional callout.
Each callout includes cover for the following, plus limits:
Fuel, petrol or diesel
Up to 10 litres
Up to $150
Up to 50km in regional areas and 20km in metro areas
Up to $50
Minor breakdown repairs
Up to $20
Some optional extras that you can pay more to have included with your Youi comprehensive car insurance policy are:
A hire car for other insured events, including an at-fault accident
Up to $2,500 worth of cover for an unbraked trailer
Up to $1,000 worth of cover (after excess) for work items
Cover for campervan/motorhome contents
Choice of repairer.
Some things that are not included in Youi’s comprehensive policy are:
General wear and tear of your car from aging or use
Liability for death or personal injury to any person
Flood, storm or bushfire damage which occurred during the first 72 hours of the start of your policy
Rental car liability (plus fuel costs and costs getting to and from a rental car)
Youi’s most basic level of car insurance, the third party property only policy provides protection if you accidentally hit someone else’s car. This insurance comes with:
Up to $20 million in legal liability cover
Temporary replacement car cover
Up to $5,000 worth of cover for accidental damage done to your car by an uninsured third party.
One step up from Youi’s third party property only insurance, third party fire and theft car insurance provides cover for damage that your car causes and for damage done to your car by fire, theft and earthquakes.
In a little more detail it includes:
Up to $20 million in legal liability cover
Temporary replacement car cover
Fire damage cover
Cover for damage caused by theft or attempted theft
Earthquake damage cover
Up to $1,000 of emergency accommodation, transport or repairs cover. If your car is unsafe to drive after an insured event and you are more than 100km from home.
Reasonable towing and storage costs cover
Reasonable cover for baby seat/s, plus other additions including personalised plates, a towbar and window tinting
Up to $750 worth of cover for contents inside the car, following an insured event. Up to $150 per item
Up to 14 days worth of cover for a hire car, following a theft or attempted theft
Some optional extras for Youi’s third party fire and theft car insurance include:
Hire car cover for other insured events
Up to $2,500 worth of cover for your unbraked trailer, if it is damaged accidentally or intentionally as a result of a storm, flood, theft or earthquake
Cover for work items, if they are stolen from a locked boot or locked compartment, or damaged as a result of an insured event
Cover for campervan/motorhome contents, if they are lost or damaged as a result of an insured event
Choice of repairer
Unless your car is damaged by an uninsured driver, a fire or a theft, Youi’s third party car insurance will not insure damage done to your own wheels. In other words, if you are involved in an accident that is your fault, unless you have a comprehensive policy, you probably won’t be covered.
In a little more detail neither third party property or third party fire and theft include cover for:
Storm or flood damage
A hire car following a not-at-fault accident (third party only provides cover for a hire car following a theft)
If you want to make sure you are covered for the above events, you will have to opt for Youi’s comprehensive car insurance policy. Third party property only car insurance does also not include cover for:
Fire, theft and earthquake damage
Emergency accommodation, transport and repairs
Cover for additions to the car, including baby seat/s, personalised registration plates, a towbar and window tinting
Locks and keys cover
Cover for contents inside the car
Hire car cover following a theft.
All Youi car insurance policies offer up to $1,500 worth of cover per household member for counselling services following a claim.
The cost of your car insurance is made up of a few different things, including:
1. Your premium. This is mostly based on how much of a risk you pose to the insurance provider, i.e. how likely you are to make a claim. The factors Youi looks at to determine this include:
The make, model and age of your car
What you use your car for
Where you usually park your car, e.g. whether it is tucked away in a garage or parked out on the street
Your age, plus the age and driving experience of any drivers listed on your policy
Your claims history
Any optional extras added to your policy, e.g. choice of repairer
Administration costs, taxes and government charges.
Youi does not offer a no claims discount. However, it does offer 20% off, if you bundle your contents and car insurance together.
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 someone not listed on your policy has an accident while driving your car.
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 there is the option to pay your Youi premium in monthly installments, just remember that it will cost extra to do it this way.
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.
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.
Your policy number and personal contact details.
The details of anyone involved in the incident, including name, address, phone number and registration and insurance details if they are another driver.
If you filed a police report, or had to go to court, make sure you keep a copy of any official documents made.
Having photos of the car or the area where an accident happened can also help your claim.
Mozo users have rated Youi car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
Online quote submitted with Youi. Get a call from sales person who asks all the info again that was given online. Frustrating. Finally 15min later price given. Much more expensive. Why offer online quote when they don't give you cost.Read full review
Online quote submitted with Youi. Get a call from sales person who asks all the info again that was given online. Frustrating. Finally 15min later price given. Much more expensive. Why offer online quote when they don't give you cost.
Jack was great to talk to his feedback and replies were funny quick and simple , he managed to work around me being at work and help me finish my quote with efficiency with great laughter involvedRead full review
Jack was great to talk to his feedback and replies were funny quick and simple , he managed to work around me being at work and help me finish my quote with efficiency with great laughter involved
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