Youi car insurance

4.1
Based on 1,205 Youi car insurance product review.
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About Youi car insurance

Looking for car insurance that delivers both value and top-notch service? Youi has you covered. Their comprehensive car insurance has been recognised with awards like the 2024 Mozo People’s Choice Award for customer service and the 2022 Mozo Experts Choice Award for exceptional value.

Youi offers three types of car insurance—third party property, third party fire and theft, and comprehensive—so you’ve got options. And because they underwrite their own policies, you’re dealing with experts who really know their product inside out.

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Mozo’s Youi Comprehensive Car Insurance Review

Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Agreed or market value
Agreed or Market
Choice of excess
$400 - $2,500
Choice of repairer
Optional Extra
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  • New-for-old replacement within 2 years if you’re the first registered owner

  • Covers emergency repairs up to $1,000 without assessment

  • Flexible excess options to control premiums

  • No no-claims discount offered

  • Monthly premiums cost extra

Our verdict

Youi Comprehensive Car Insurance offers a fair bit of flexibility, especially with an excess range that stretches from $400 to $2,500—so you’ve got room to tweak your premium. You can also pick optional extras like rental car cover after an accident or the choice of your own repairer, giving you a bit more say in what you’re paying for.

What’s really nice here is that roadside assistance comes standard—not something you see every day without having to fork out more. If your car is less than two years old and written off, they’ll replace it with a brand-new one. You also get 14 days of rental car cover after theft and up to $1,000 for emergency repairs, no need for an assessment. Handy if you’re in a jam and need a quick fix.

That said, don’t expect any breaks for safe driving—there’s no no-claims discount. The young driver excess is on the steep side too, and if you prefer spreading out your payments monthly, Youi will charge you extra for that. All in all, Youi gives you a lot of room to make your cover work for you, but if you’re looking for a lower young driver excess or rewards for keeping a clean record, it might not be the perfect fit.

Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important information on terms, conditions and sub-limits.
Last updated 15 January 2025 Important disclosures

Youi car insurance

  • Comprehensive Car Insurance

    Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.

    Monthly premiums
    Calendar icon
    Yes costs extra
    Choice of repairer
    Tools icon
    Optional Extra
    Choice of excess
    Coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed or Market

    Available discounts

    Go to site
    Details

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Youi car insurance ratings

Overall customer rating for Youi car insurance

4.1
Based on 1,205 product review.

Customer reviews

Important disclosures
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Youi car insurance key features

All Youi car insurance policies—whether Comprehensive, Third Party Property, or Third Party Fire & Theft—come with the following features:

Youi offers flexible coverage options based on how you drive, with practical benefits across all their policies.

Youi car insurance FAQs

Does Youi offer a choice of excess?

Yes, Youi offers flexible excess options of between $400 - $2,500. Additional excesses can apply based on specific circumstances, such as inexperienced or unlisted drivers.

Is there a cooling-off period for Youi car insurance?

Yes, Youi provides a 20-day cooling-off period. If you cancel your policy within 20 days of purchasing or renewing it, and no claims have been made, you'll receive a full refund.

Are modifications to my car covered under Youi policies?

Yes, Youi covers factory-fitted accessories as part of your car’s agreed or market value. For after-market accessories or modifications, you’ll need to include their value in your policy. Check your policy schedule for details, and refer to the PDS for more information.

How does Youi determine the value of my car?

Youi offers two valuation options: agreed value (an amount you and Youi agree on when taking out the policy) and market value (the current worth of your car at the time of a claim based on age, condition, and market prices). Market value often results in lower premiums, but payouts may be smaller if your car has depreciated.

How do I make a claim with Youi?

You can make a claim with Youi 24/7 by logging into their online portal, calling 13 9684, or contacting them via the Youi app. Youi also offers 24/7 customer service to assist with claims and queries.

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* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

^See information about the Mozo Experts Choice Car Insurance Awards

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