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 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. 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 and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Youi offers comprehensive insurance at an affordable price, but what I appreciate most is their customer service– I feel like I'm dealing with real people rather than a corporation. I actually got into my first (minor) scrape about a year ago and was really shaken up about it. When I called the claims department, the person on the other end could tell I was practically in tears, and I was really surprised by how empathetic and genuine she was. It could have been a super awkward call but the service person helped me through a hard time and it's a moment that's stuck with me. I think it speaks highly of the Youi company values and the calibre of staff that they employ that a call centre worker could respond like that without missing a beat.
Read full reviewYoui offers comprehensive insurance at an affordable price, but what I appreciate most is their customer service– I feel like I'm dealing with real people rather than a corporation. I actually got into my first (minor) scrape about a year ago and was really shaken up about it. When I called the claims department, the person on the other end could tell I was practically in tears, and I was really surprised by how empathetic and genuine she was. It could have been a super awkward call but the service person helped me through a hard time and it's a moment that's stuck with me. I think it speaks highly of the Youi company values and the calibre of staff that they employ that a call centre worker could respond like that without missing a beat.
I have been with Youi for a number of years now and am very happy with the service they provide. I have three cars, house & contents and camper trailer insurers with Youi. I shop around often for better or cheaper premiums but always find Youi to be the best. They are so easy to deal with and are always so friendly to talk to.
Read full reviewI have been with Youi for a number of years now and am very happy with the service they provide. I have three cars, house & contents and camper trailer insurers with Youi. I shop around often for better or cheaper premiums but always find Youi to be the best. They are so easy to deal with and are always so friendly to talk to.
Youi allowed me to insure my car when no other insurance company would as I was to young in age to hold insurance on the car I had. They also have great customer service and hook you up with the best possible price they can.
Read full reviewYoui allowed me to insure my car when no other insurance company would as I was to young in age to hold insurance on the car I had. They also have great customer service and hook you up with the best possible price they can.
Great value for money.
Read full reviewGreat value for money.
I like Youi because it’s easy to claim insurance and they have awesome and kind customer service.
Read full reviewI like Youi because it’s easy to claim insurance and they have awesome and kind customer service.