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.
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)
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
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
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).
Youi customer service are second to none, they are efficient and transparent in all information provided and a claim I had was handled in an excellent manner. I would recommend Youi to anyone.
Read full reviewYoui customer service are second to none, they are efficient and transparent in all information provided and a claim I had was handled in an excellent manner. I would recommend Youi to anyone.
Two policies - a BMW worth 3-4 times more than a Honda, same drivers but Youi’s system didn’t correlate between policies. When they realised and then updated their system (manually), the Honda premium was then increased by 50% and cost MORE than the BMW to insure. They could not explain this other than to say if the information was not kept up to date they had the right to refuse or reduce payouts. Way to make customers feel safe and secure!! The youngest driver has been driving for almost 8 years and the expense of the policy far outweighed having the car comprehensively insured. What a ripoff Youi!!
Read full reviewTwo policies - a BMW worth 3-4 times more than a Honda, same drivers but Youi’s system didn’t correlate between policies. When they realised and then updated their system (manually), the Honda premium was then increased by 50% and cost MORE than the BMW to insure. They could not explain this other than to say if the information was not kept up to date they had the right to refuse or reduce payouts. Way to make customers feel safe and secure!! The youngest driver has been driving for almost 8 years and the expense of the policy far outweighed having the car comprehensively insured. What a ripoff Youi!!
What can I say, they are there to help you get the best deal on everything. Very helpful staff, do everything that they can to help and always give the best possible quote. Also pay by the month with no additional charges.
Read full reviewWhat can I say, they are there to help you get the best deal on everything. Very helpful staff, do everything that they can to help and always give the best possible quote. Also pay by the month with no additional charges.
Youi has completely lost touch with reality, there is no point raving and ranting about my experiences with this company, I would just say no good do not use or recommend.
Read full reviewYoui has completely lost touch with reality, there is no point raving and ranting about my experiences with this company, I would just say no good do not use or recommend.
Are quick to reevaluate the policy to get the best possible price when called on the phone
Read full reviewAre quick to reevaluate the policy to get the best possible price when called on the phone
