Youi Comprehensive Car Insurance

costs extra

Not Published

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Youi Comprehensive Car Insurance

costs extra

Not Published

n/a

Mozo Review   Youi Comprehensive Car Insurance Review

Last updated: 30 October 2019.

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

What's not:
  • No discount for ‘no claims’

Mozo snapshot:

Youi Comprehensive Car Insurance stands offers some great flexible features for a reasonable price. The policy 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 features:

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 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.

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 22 February 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
  • 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
  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - 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.

  • - 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.

  • Optional Extra

*as voted by the Mozo community

Customer Reviews

How are Youi car insurance rated by the Mozo community?

Overall customer rating
8.2/10
Value for money
8.3/10
Policy coverage
8.0/10
Customer service
8.5/10
Claims handling
7.7/10
Trust
7.9/10

Latest reviews of Youi Comprehensive Car Insurance

  • Overall 8/10
    Great.

    They are excellent.

    Read full review

    They are excellent.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Charles, New South Wales reviewed 3 months ago
  • Overall 10/10
    Extremely happy.

    Easy to talk to, comes with heaps on inclusions. And I found a great tailored policy.

    Read full review

    Easy to talk to, comes with heaps on inclusions. And I found a great tailored policy.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Rebecca, New South Wales reviewed 2 months ago
  • Overall 10/10
    Great for those who don't drive often

    I love the fact that Youi gives us an option where we can say how much we drive our car. We are both disabled so we don't drive often, so it's good to pay less according to how much you drive.

    Read full review

    I love the fact that Youi gives us an option where we can say how much we drive our car. We are both disabled so we don't drive often, so it's good to pay less according to how much you drive.

    Value for money
    8/10
    Policy coverage
    10/10
    Customer service
    -1/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Sandra, Victoria reviewed 3 months ago
  • Overall 2/10
    Money grabbers.

    Do not support you when the accident is not your fault.

    Read full review

    Do not support you when the accident is not your fault.

    Value for money
    4/10
    Policy coverage
    3/10
    Customer service
    3/10
    Claims handling
    1/10
    Trust
    2/10
    Less
    Robert, Western Australia reviewed 3 months ago
  • Overall 10/10
    Good value.

    Great customer service and the rewards program is a bonus.

    Read full review

    Great customer service and the rewards program is a bonus.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Peter, South Australia reviewed 4 months ago
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