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.
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.
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.
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
Yes
Optional Extra
Yes
n/a
n/a
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
Youi is very easy to contact, premiums are low and takes into account actual usage. Easy to change or extend the cover.
Read full reviewYoui is very easy to contact, premiums are low and takes into account actual usage. Easy to change or extend the 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 reviewI've always found Youi to be cheaper than other insurers. In addition, I like that Youi allows me to customised my policy details.
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 reviewI 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.
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 reviewWhen 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!
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 reviewI 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.
