Youi Comprehensive Car Insurance goes all out to give you the reassurance 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 needs. 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, your choice of repairer 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.
Who it's 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.
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.