Youi car insurance

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:

• 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.

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.

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.

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. 

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.