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Youi Comprehensive Car Insurance

Advertiser disclosure
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
Optional Extra
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Mozo editorial review Youi Comprehensive Car Insurance

Last updated: 11 January 2021.

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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
  • 2020 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 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.

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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.

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.

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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. 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.

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Any catches

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.


Details

Rates and fees information correct as at 21 January 2021. 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

  • $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

Service features
  • Yes

  • Optional Extra

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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

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).

Customer Reviews

How are Youi car insurance rated by the Mozo community?

Overall
8.2/10
Value for money
8.3/10
Policy coverage
8.0/10
Customer service
8.5/10
Claims handling
7.8/10
Trust
7.9/10

Latest reviews of Youi Comprehensive Car Insurance

  • Overall 9/10
    Great customer service and competitive pricing.

    These guys offer very competitive prices and their customer service is awesome!

    Read full review

    These guys offer very competitive prices and their customer service is awesome!

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Brooke, New South Wales reviewed about 16 hours ago
  • Overall 10/10
    People focused love them.

    I have given all stars to the all star team. People are their priority and we have always felt prioritised. We love them and have both cars with them. They beat any price of competitors and valued our changes during Covid and were so understanding.

    Read full review

    I have given all stars to the all star team. People are their priority and we have always felt prioritised. We love them and have both cars with them. They beat any price of competitors and valued our changes during Covid and were so understanding.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    9/10
    Trust
    10/10
    Less
    Jorgie, Queensland reviewed 3 days ago
  • Overall 10/10
    Finding a better insurer would be difficult.

    I have been insuring my vehicle with Youi for 2 years now and could not ask for better people to deal with. I had a Not at Fault Claim about a year ago and was without my car for over 6 weeks due to Christmas and New Years holiday season and the claims officer for Youi kept me informed and updated on the repair process.

    Read full review

    I have been insuring my vehicle with Youi for 2 years now and could not ask for better people to deal with. I had a Not at Fault Claim about a year ago and was without my car for over 6 weeks due to Christmas and New Years holiday season and the claims officer for Youi kept me informed and updated on the repair process.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Dominic, Queensland reviewed 7 days ago
  • Overall 1/10
    Would never trust this company.

    No trust in this insurance company at all. I was with them for about a year and I received a renewal with a massive premium increase! I inquired about this increase. The response I got back was that I defaulted on my monthly payments. I informed the consultant that I paid annually and paid in full when I purchased my new vehicle. They seemed shocked and the story as to why my premium increased changed multiple times and they had incorrect information and stories that didn't add up multiple times. I asked them to review the issue and they told me there was nothing that could be done about the price increase and said 'sorry for the inconvenience, would you like to proceed?' To summarise, the whole experience seemed very sus and dishonest. I have spoken to numerous people about this issue and apparently it has happened to a lot of people with this company. Beware they might try this on you!

    Read full review

    No trust in this insurance company at all. I was with them for about a year and I received a renewal with a massive premium increase! I inquired about this increase. The response I got back was that I defaulted on my monthly payments. I informed the consultant that I paid annually and paid in full when I purchased my new vehicle. They seemed shocked and the story as to why my premium increased changed multiple times and they had incorrect information and stories that didn't add up multiple times. I asked them to review the issue and they told me there was nothing that could be done about the price increase and said 'sorry for the inconvenience, would you like to proceed?' To summarise, the whole experience seemed very sus and dishonest. I have spoken to numerous people about this issue and apparently it has happened to a lot of people with this company. Beware they might try this on you!

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    3/10
    Claims handling
    -1/10
    Trust
    1/10
    Less
    Jay, Victoria reviewed about 1 month ago
  • Overall 9/10
    Fantastic customer service!

    Youi have been excellent in supporting us during COVID and recognising that we are driving less. Youi are easy to deal with and have the time to ask more detailed questions to help us get the best cake for money.

    Read full review

    Youi have been excellent in supporting us during COVID and recognising that we are driving less. Youi are easy to deal with and have the time to ask more detailed questions to help us get the best cake for money.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10
    Less
    Lauren, New South Wales reviewed about 1 month ago
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