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.
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.
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.
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Yes costs extra |
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$400 - $2,500 |
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Yes for drivers under 25 years old - amount varies per policy |
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None (TAS) |
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n/a |
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n/a |
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20% discount on Contents Insurance if Youi Car Insurance also held |
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No |
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n/a |
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Yes |
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Optional Extra |
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Yes |
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n/a |
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n/a |
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Agreed or Market |
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Yes - within 2 years and a listed driver is the first registered owner |
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Up to $750 total or $150 per item if damaged or stolen. |
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Yes - standard excess. Option to reduce windscreen excess for an additional premium. |
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Up to $1,000 combined with emergency options |
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Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home. |
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Yes - Up to 14 days. |
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days. |
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Yes - legal liability cover when using a substitute vehicle. |
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Up to $1,500. |
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Up to $1,000 if stolen. |
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Reasonable cost |
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Covered only if agreed in writing. |
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No |
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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.
Online quote submitted with Youi. Get a call from sales person who asks all the info again that was given online. Frustrating. Finally 15min later price given. Much more expensive. Why offer online quote when they don't give you cost.
Read full reviewOnline quote submitted with Youi. Get a call from sales person who asks all the info again that was given online. Frustrating. Finally 15min later price given. Much more expensive. Why offer online quote when they don't give you cost.
Jack was great to talk to his feedback and replies were funny quick and simple , he managed to work around me being at work and help me finish my quote with efficiency with great laughter involved
Read full reviewJack was great to talk to his feedback and replies were funny quick and simple , he managed to work around me being at work and help me finish my quote with efficiency with great laughter involved
After a car crash several years ago, Youi were amazing. I didn't have to worry about a thing through the whole process. They were gentle and kind on that initial phone call. I had my husband and and 3 young kids in the car and they were amazing. I will always stay with Youi, with all our insurance needs.
Read full reviewAfter a car crash several years ago, Youi were amazing. I didn't have to worry about a thing through the whole process. They were gentle and kind on that initial phone call. I had my husband and and 3 young kids in the car and they were amazing. I will always stay with Youi, with all our insurance needs.
The only thing I don't like, is that they don't do anything via email but I understand why.
Read full reviewThe only thing I don't like, is that they don't do anything via email but I understand why.
When we were looking for a new car insurance company. Youi were super helpful, not pushy and willing to answer any questions. Once we joined we have had to use their roadside service a couple of times and we cannot fault them. They were fast, efficient and so friendly. On a rainy day, with crying kids in the car, and me being very frustrated as I had left the lights on and flattened the battery the lady on the phone was like a counsellor haha. she calmed me down, had someone out to help me super fast and even managed to make me laugh. Cannot fault their customer service at all
Read full reviewWhen we were looking for a new car insurance company. Youi were super helpful, not pushy and willing to answer any questions. Once we joined we have had to use their roadside service a couple of times and we cannot fault them. They were fast, efficient and so friendly. On a rainy day, with crying kids in the car, and me being very frustrated as I had left the lights on and flattened the battery the lady on the phone was like a counsellor haha. she calmed me down, had someone out to help me super fast and even managed to make me laugh. Cannot fault their customer service at all