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: 6 September 2018.

What's hot:
  • 2018 Mozo Experts Choice Winner

  • 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’

  • Up to $2,000 excess for unlisted young drivers

Mozo snapshot:

A Mozo Experts Choice Award winner for Exceptional Value Car Insurance in 2018, Youi Comprehensive Car Insurance stands out as it offers great flexible features for a reasonable price. Youi Comprehensive Car Insurance 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, 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.

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 27 March 2019. 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

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

  • none

Service features
  • Optional Extra

  • none

  • none

Coverage summary
  • Agreed or Market

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

  • Up to $750 if damaged or stolen.

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

  • Up to $1,000

  • Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.

  • - Up to 14 days.

  • 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.

(*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
7.8/10
Trust
7.9/10

Latest reviews of Youi Comprehensive Car Insurance

  • Overall
    10/10
    Value for money with good honest service.

    Youi are a good, friendly company to deal with. My excess is fairly high but I hope not to have...

    Youi are a good, friendly company to deal with. My excess is fairly high but I hope not to have an accident where I am at fault. I took the high excess risk in order to keep my monthly premium down. I now have a "One Stop Shop" for car insurance as Youi now sells NSW Greenslip Insurace on behalf of QBE also. I had cause to make a claim earlier this year for an accident where I was not at fault. Claims processing could not have been easier.

    Value for money
    10/10
    Policy coverage
    7/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Chas | New South Wales

    reviewed 6 months ago

  • Overall
    10/10
    Competitive premiums and excellent service

    Immediate attention to claims. No hassle on repairs, friendly service.

    Immediate attention to claims. No hassle on repairs, friendly service.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Barbara | Queensland

    reviewed 7 months ago

  • Overall
    8/10
    Very competitive and great customer service

    Haven’t had to make a claim yet, but they’re very competitive on premiums and when I called to...

    Haven’t had to make a claim yet, but they’re very competitive on premiums and when I called to query my renewal amount, they dropped it to below what I was paying previously. Great customer service.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    -1/10

    Sally | Victoria

    reviewed 12 months ago

  • Overall
    10/10
    No problems

    I really like Youi.

    I really like Youi.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Debbie | Queensland

    reviewed 12 months ago

  • Overall
    6/10
    Good customer service, competitive

    Good customer service. Although one con is that my demo car not considered new and was not made...

    Good customer service. Although one con is that my demo car not considered new and was not made aware of this.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    7/10
    Trust
    7/10

    Roslyn | Queensland

    reviewed about 1 year ago

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About Youi

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