Youi car insurance

Looking for a car insurance company that offers ‘exceptional value’ and great customer service? Well look no further than Youi! Not only was this comprehensive car insurance awarded a 2020 Mozo Experts Choice Award for Exceptional Value, but it also bagged two 2020 Mozo People’s Choice Awards for excellent and outstanding customer service.

Youi offers three main types of car insurance, including third party property, third party fire and theft and comprehensive. Plus, Youi even underwrites its own policies, so if you choose to go with this provider, you’ll be in the hands of people who know their product like the back of their hand.

Scroll down for more key information on Youi’s car insurance.

Youi offers the following car insurance policies

Rates and fees verified as correct at 03 March, 2021. Other information correct at the time of writing. Advertiser disclosure.

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

Yes costs extra

Not Published

n/a

Optional Extra

Go to site

Who is Youi underwritten by?

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.

What types of car insurance does Youi offer?

When it comes to protecting your wheels, Youi offers three main types of car insurance including third party property only, third party fire and theft and comprehensive.

What does Youi’s comprehensive car insurance cover?

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:

What does Youi’s roadside assistance cover?

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:


Benefit

 Limit

Fuel, petrol or diesel 

 Up to 10 litres

Locksmith

 Up to $150

Towing

 Up to 50km in regional areas and 20km in metro areas

Taxi

 Up to $50

Minor breakdown repairs

 Up to $20

What optional extras are available with Youi’s comprehensive car insurance?

Some optional extras that you can pay more to have included with your Youi comprehensive car insurance policy are:

What’s not included in Youi’s comprehensive car insurance policy?

Some things that are not included in Youi’s comprehensive policy are:

More FAQs on Youi's car insurance

What does Youi’s third party property only car insurance cover?

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

  • Immediate replacement car cover

  • Up to $10,000 of legal liability cover under maritime law

  • Up to $5,000 worth of cover for accidental damage done to your car by an uninsured third party.

What does Youi’s third party fire and theft car insurance cover?

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

  • Immediate 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 $10,000 of legal liability cover under maritime law

  • 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

What does Youi’s third party car insurance not cover?

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:

  • Accidental damage

  • Intentional damage

  • 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)

  • Roadside assistance

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

  • Towing costs

  • 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.

Does Youi provide cover for counselling services?

All Youi car insurance policies offer up to $1,500 worth of cover per household member for counselling services following a claim.

How much does Youi car insurance cost?

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.

2. Discounts

Youi does not offer a no claims discount. However, it does offer 20% off, if you bundle your contents and car insurance together.

3. Excess

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.

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 there is the option to pay your Youi premium in monthly installments, just 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.

How do I make a claim with Youi?

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:

  • 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.

How is Youi car insurance rated?

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.

Icon of car-insurances
Youi car insurance
Overall
8.2/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

1134 Reviews

Recent Youi car insurance reviews

Youi Comprehensive Car Insurance review
Overall 10/10
Insurance company for the little people.

What can I say, they are there to help you get the best deal on everything. Very helpful staff, do everything that they can to help and always give the best possible quote. Also pay by the month with no additional charges.

Read full review

What can I say, they are there to help you get the best deal on everything. Very helpful staff, do everything that they can to help and always give the best possible quote. Also pay by the month with no additional charges.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Judith, New South Wales, reviewed about 20 hours ago
Youi Comprehensive Car Insurance review
Overall 1/10
Do not use Youi.

Youi has completely lost touch with reality, there is no point raving and ranting about my experiences with this company, I would just say no good do not use or recommend.

Read full review

Youi has completely lost touch with reality, there is no point raving and ranting about my experiences with this company, I would just say no good do not use or recommend.

Value for money
1/10
Policy coverage
2/10
Customer service
2/10
Claims handling
2/10
Trust
1/10
Less
Craig, Western Australia, reviewed 3 days ago
Youi Comprehensive Car Insurance review
Overall 10/10
Happy to give the best price

Are quick to reevaluate the policy to get the best possible price when called on the phone

Read full review

Are quick to reevaluate the policy to get the best possible price when called on the phone

Value for money
10/10
Policy coverage
9/10
Customer service
10/10
Trust
10/10
Less
Anthony, Victoria, reviewed 6 days ago
Youi Comprehensive Car Insurance review
Overall 9/10
Easy to deal with

I like them, pleasant and easy transaction and details for a car policy.

Read full review

I like them, pleasant and easy transaction and details for a car policy.

Value for money
9/10
Policy coverage
9/10
Customer service
10/10
Trust
9/10
Less
Andrew, Tasmania, reviewed 6 days ago

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