Youi logo

Youi Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
Choice of repairer
Optional Extra
Go to site

Mozo editorial review Youi Comprehensive Car Insurance - last updated: 1 April 2022

binocular icon
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
  • 2021 Mozo Experts Choice Award
What's not
  • No discount for ‘no claims’
Mozo snapshot

Youi Comprehensive Car Insurance offers some great flexible features for a reasonable price. This 2021 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 of a new car, Youi will replace your car with a brand new set of wheels if it’s stolen or written off.

key icon
Key features

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.

Who is it 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. As a bonus, if you’re eyeing off Contents Insurance as well, you could save 20% by bundling your Youi policies together.

question icon
Any catches

You won’t be rewarded for your safe driving with a no claims discount, which is something that other insurance companies may offer. Additionally, if monthly premiums better suit your budget, you could be stuck paying more for the option.


Rates and fees information correct as at 26 June 2022. 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

Yes costs extra

$400 - $2,500

Yes for drivers under 25 years old - amount varies per policy

None (TAS)
None (VIC)
None (NT)
None (SA)
None (NSW)
None (QLD)
None (ACT)
None (WA)



20% discount on Contents Insurance if Youi Car Insurance also held



Service features


Optional Extra




Coverage summary

Agreed or Market

Yes - within 2 years and a listed driver is the first registered owner

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. 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.


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 and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are Youi car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling

Latest reviews of Youi Comprehensive Car Insurance

About Youi