Thumbnail icon for Youi

Youi Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
Optional Extra
Go to site

Mozo editorial review Youi Comprehensive Car Insurance

Last updated: 24 September 2020.

binocular icon
What's hot
  • New for old car replacement within 2 years and 40,000km
  • Rental car after theft for 14 days
  • $1,000 emergency repairs without assessment
  • 2020 Mozo Experts Choice Award
What's not
  • No discount for ‘no claims’
Mozo snapshot

Youi Comprehensive Car Insurance stands offers some great flexible features for a reasonable price. This 2020 Mozo Experts Choice Award winner offers protection in the event of theft, offering a rental car so you can get around for two weeks whilst your car is getting replaced. Better yet, if you’re within two years (and under 40,000km) of your purchase date, Youi will replace your car with a brand new set of wheels if it’s stolen or written off.

key icon
Key features

Youi Comprehensive Car Insurance goes all out to give you peace of mind that you’re covered in the event things go wrong. It offers the option of choosing your excess level, giving you flexibility to control your premium according to your budget. You’re also covered in the event of accidental and intentional damage, damage due to natural occurrences such as storms, earthquakes and floods, and fire damage.

Other features the policy comes with include roadside assistance and 24/7 claims service. And if you’re worried about the car’s contents, don’t fret, Youi has your personal property covered up to the value of $750, and offers reasonable replacement for additions to the car such as baby seats.

In the case of an emergency, Youi Comprehensive Car Insurance will cover reasonable towing costs, and where you’re more than 100km away from home, will give you up $1,000 for emergency accommodation or other travel arrangements.

Optional extras that come with Youi Comprehensive Car Insurance include a rental car after an accident, and trailer or caravan cover. If you’ve modified your car, there’s also the opportunity to cover those modifications for a price, but you’ll need approval from Youi first.

snapshot
Who is it good for

Youi Comprehensive Car Insurance is worth a look for those over 25 looking for great cover with the flexibility of choosing their own excess. And since some of the features are optional, it could be good if you want to opt out of things like trailer cover. As a bonus, if you’re eyeing off Contents Insurance as well, you could save 20% by bundling your Youi policies together.

snapshot
Any catches

If your younger friends or family are behind the wheel when something goes wrong, you could be hit with a hefty young driver excess that could climb as high as $2,000 for unlisted drivers under 25.

Another catch is that you won’t be rewarded for your safe driving with a no claims discount, which is something that other insurers may offer. Lastly, if monthly premiums better suit your budget, you could be stuck paying more for the option.


Details

Rates and fees information correct as at 28 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $400 - $2,500

  • $600 for listed drivers under 25, $2,000 for unlisted drivers under 25

  • None (TAS)
    None (VIC)
    None (NT)
    None (SA)
    None (NSW)
    None (QLD)
    None (ACT)
    None (WA)

  • n/a

  • n/a

  • 20% discount on Contents Insurance if Youi Car Insurance also held

  • No

  • n/a

Service features
  • Yes

  • Optional Extra

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • Yes - within 2 years and 40,000 km of original registration

  • Up to $750 total or $150 per item if damaged or stolen.

  • Yes - standard excess. Option to reduce windscreen excess for an additional premium.

  • Up to $1,000 combined with emergency options

  • Towing costs for up to 50km in regional areas and 20km in metropolitan areas. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.

  • Yes - Up to 14 days.

  • Not at fault - Yes. At fault - Optional Extra. Up to 14 days.

  • Yes - legal liability cover when using a substitute vehicle.

  • Optional Extra - Up to $2,500.

  • Up to $1,000 if stolen.

  • Reasonable cost

  • Covered only if agreed in writing.

  • No

  • Optional Extra

*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).

Customer Reviews

How are Youi car insurance rated by the Mozo community?

Overall
8.2/10
Value for money
8.2/10
Policy coverage
7.9/10
Customer service
8.4/10
Claims handling
7.7/10
Trust
7.9/10

Latest reviews of Youi Comprehensive Car Insurance

  • Overall 9/10
    Easy and cheap.

    Youi is very easy to contact, premiums are low and takes into account actual usage. Easy to change or extend the cover.

    Read full review

    Youi is very easy to contact, premiums are low and takes into account actual usage. Easy to change or extend the cover.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Drew, Victoria reviewed 3 days ago
  • Overall 10/10
    Customisable cover

    I've always found Youi to be cheaper than other insurers. In addition, I like that Youi allows me to customised my policy details.

    Read full review

    I've always found Youi to be cheaper than other insurers. In addition, I like that Youi allows me to customised my policy details.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Regina, Queensland reviewed 4 days ago
  • Overall 9/10
    Pricey but you get what you pay for.

    I think it’s a bit expensive. However, the customer service is ever so friendly and making a claim easy. Road side assistance is also excellent.

    Read full review

    I think it’s a bit expensive. However, the customer service is ever so friendly and making a claim easy. Road side assistance is also excellent.

    Value for money
    7/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Elisabeth, New South Wales reviewed 5 days ago
  • Overall 2/10
    Don’t expect to be paid out in full

    When a P plater ran into the back of my Ute, Youi quickly arranged for me to take it to a garage, who told me the car was a write off and worth $11,000. Youi provided a rental Ute the very next day. My claims lady was great and very helpful. Unfortunately the appraiser wasn’t so great. He offered me $6,500 and said the Ute had a few dents and scratches and if he gave me anymore the other Insurance company would have him locked up!! I asked to appeal and he said he’d get a manager to call. I finally got $7,500. Outrageous, given that there wasn’t a single Ute in Australia, the same as mine, with similar mileage, for less than $10,500. It seems bizarre to me that I’m hit from behind while stopped at lights and not only do I have to buy a new car but also spend $4,000 more!

    Read full review

    When a P plater ran into the back of my Ute, Youi quickly arranged for me to take it to a garage, who told me the car was a write off and worth $11,000. Youi provided a rental Ute the very next day. My claims lady was great and very helpful. Unfortunately the appraiser wasn’t so great. He offered me $6,500 and said the Ute had a few dents and scratches and if he gave me anymore the other Insurance company would have him locked up!! I asked to appeal and he said he’d get a manager to call. I finally got $7,500. Outrageous, given that there wasn’t a single Ute in Australia, the same as mine, with similar mileage, for less than $10,500. It seems bizarre to me that I’m hit from behind while stopped at lights and not only do I have to buy a new car but also spend $4,000 more!

    Value for money
    3/10
    Policy coverage
    1/10
    Customer service
    7/10
    Claims handling
    3/10
    Trust
    1/10
    Less
    Rohan, New South Wales reviewed 6 days ago
  • Overall 7/10
    Fast and easy to use, very helpful employers

    I found Youi to be one of the most convenient and easy insurers ive ever registered with. I called them up and had a quote and policy in place within 30 minutes and it was also the cheapest option i found after having called a few other major insurance providers.

    Read full review

    I found Youi to be one of the most convenient and easy insurers ive ever registered with. I called them up and had a quote and policy in place within 30 minutes and it was also the cheapest option i found after having called a few other major insurance providers.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    -1/10
    Less
    Connor, Victoria reviewed 12 days ago
Youi

About Youi

See Youi car insurance