Youi Comprehensive Car Insurance

180x150 car image
Youi

We tailor-make a premium to suit your circumstances, it could save you on your car insurance

Drive a short distance to work? Park securely? Don’t drive to work? These factors and more could help you save on your car insurance. Roadside Assistance comes as standard with a comprehensive policy

Go to site

Online quote takes

Youi Comprehensive Car Insurance Review

Review published: 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.


How is Youi car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.2

Based on 1063
Youi car insurance reviews

8.3 8.0 8.5 7.7 7.9

Read Youi car insurance reviews by the Mozo community

Latest reviews of Youi Comprehensive Car Insurance

Youi

Youi Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Competitive premiums and excellent service

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

Full review

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

Less

Barbara, Queensland, reviewed about 1 month ago

Youi

Youi Comprehensive Car Insurance car insurance review

Overall rating   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 query my renewal amount, they dropped it to below what I was paying previously. Great customer service.

Full review

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

Less

Sally, Victoria, reviewed 6 months ago

Youi

Youi Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

No problems

I really like Youi.

Full review

I really like Youi.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Debbie, Queensland, reviewed 6 months ago

Youi

Youi Comprehensive Car Insurance car insurance review

Overall rating   6 / 10

Good customer service, competitive

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

Full review

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

Less

Roslyn, Queensland, reviewed 6 months ago

Youi

Youi Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

Good premiums and great customer service

I have made a claim on this company and received excellent service, plus a very fancy keyring.

Full review

I have made a claim on this company and received excellent service, plus a very fancy keyring.

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   9 / 10

Less

Lilian, Queensland, reviewed 7 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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

  • 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.

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).

(*as voted by the Mozo community)

Compare other car insurance
Advertisement