Youi Comprehensive Car Insurance 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 when you’re more than 100km away from home, will give you up $1,000 for emergency accommodation or other travel arrangements.
Access to a rental car after an accident is an optional extra that comes with Youi Comprehensive Car Insurance and, 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.
If you're a NSW driver who's also in the market for compulsory third party insurance (CTP), you can organise this essential cover through Youi too.
Youi Comprehensive Car Insurance is worth a look for those over 25 looking for great cover with the flexibility of choosing their own excess. 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 insurance companies 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) | |
| 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. | |
| Up to $1,500. | |
| Up to $1,000 if stolen. | |
| Reasonable cost | |
| Covered only if agreed in writing. | |
| No | |
| Optional Extra |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.
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).
Twice now i have had Youi quote on my car insurance. I am mature age, perfect licence, only 1 claim in 5 years, only travelling 2 days a week for work with max 10k a year and buying a brand new car and they want to charge me $191 per month- WHAT THE! Comparison for same vs same coverage came in closest competitor at $89 month for exact same thing. How on earth do they justify over double the amount. I would never bother again getting a quote highway robbery
Read full reviewTwice now i have had Youi quote on my car insurance. I am mature age, perfect licence, only 1 claim in 5 years, only travelling 2 days a week for work with max 10k a year and buying a brand new car and they want to charge me $191 per month- WHAT THE! Comparison for same vs same coverage came in closest competitor at $89 month for exact same thing. How on earth do they justify over double the amount. I would never bother again getting a quote highway robbery
I’ve found the staff extremely nice and approachable and above all helpful.
Read full reviewI’ve found the staff extremely nice and approachable and above all helpful.
Easy sign up online. Choose your own excess fees and extra coverage. Very flexible payment date options if you need a couple extra days to pay the monthly bill. Text message reminders are great.
Read full reviewEasy sign up online. Choose your own excess fees and extra coverage. Very flexible payment date options if you need a couple extra days to pay the monthly bill. Text message reminders are great.
Youi are sensational to work with they are very responsive they helped out a lot with our claim, no hassles what so ever, this insurance company Youi also has some of the best insurance rates going around so that is a big bonus
Read full reviewYoui are sensational to work with they are very responsive they helped out a lot with our claim, no hassles what so ever, this insurance company Youi also has some of the best insurance rates going around so that is a big bonus
Youi car insurance was amazing, definetly 9/10, some things like policy coverage and things pull my rating down and some of my friends havent had the easiest experience but my experience was super easy and they were very friendly didnt take long and felt super safe, amazing service.
Read full reviewYoui car insurance was amazing, definetly 9/10, some things like policy coverage and things pull my rating down and some of my friends havent had the easiest experience but my experience was super easy and they were very friendly didnt take long and felt super safe, amazing service.