Does Youi offer a choice of excess?

Yes, Youi offers flexible excess options of between $400 - $2,500. Additional excesses can apply based on specific circumstances, such as inexperienced or unlisted drivers.

Is there a cooling-off period for Youi car insurance?

Yes, Youi provides a 20-day cooling-off period. If you cancel your policy within 20 days of purchasing or renewing it, and no claims have been made, you'll receive a full refund.

Are modifications to my car covered under Youi policies?

Yes, Youi covers factory-fitted accessories as part of your car’s agreed or market value. For after-market accessories or modifications, you’ll need to include their value in your policy. Check your policy schedule for details, and refer to the PDS for more information.

How does Youi determine the value of my car?

Youi offers two valuation options: agreed value (an amount you and Youi agree on when taking out the policy) and market value (the current worth of your car at the time of a claim based on age, condition, and market prices). Market value often results in lower premiums, but payouts may be smaller if your car has depreciated.

How do I make a claim with Youi?

You can make a claim with Youi 24/7 by logging into their online portal , calling 13 9684, or contacting them via the Youi app. Youi also offers 24/7 customer service to assist with claims and queries.

Youi car insurance customer reviews and comparisons for 2025

Name: Youi car insurance
Brand: Youi
Rating: 4.1 (1206 reviews)

Comprehensive Car Insurance

Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.

Monthly premiums: Yes costs extra

Choice of repairer: No

Choice of excess: $400 - $2,500

Agreed or market value: Agreed or Market

Available discounts

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Monthly premiums available: Yes costs extra

Choice of repairer: No

Choice of excess: $400 - $2,500

Agreed or market value: Agreed or Market

Discounts available: -

States where offered: SA VIC TAS NSW ACT QLD WA

Roadside assistance: Yes

Genuine parts: Yes - If car is under 3 years old.

New car if written off: Yes - within 2 years and a listed driver is the first registered owner

Windscreen cover: Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.

Personal property cover: Up to $750 total or $150 per item if damaged or stolen.

Replacement key cover: Up to $1,000 if stolen.

Baby capsule or child seat cover: Reasonable cost

Trailer or caravan cover: Up to $1,500.

Modifications: Covered only if agreed in writing.

Emergency repairs: Up to $1,000 combined with emergency options

Emergency options: Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.

Rental car after theft: Yes - Up to 14 days.

Rental car after accident: Not at fault - Yes. At fault - Optional Extra. Up to 14 days.

Rental car liability: Yes - legal liability cover when using a substitute vehicle.

Legal liability cover: $20,000,000

Accidental death of driver: No

Young driver excess imposed: Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600

Rideshare cover: Optional Extra

Other restrictions: -

Other benefits: -

Online discount: n/a

Multi-policy discount: -

No claim discount: No

Low km discount: Yes

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.

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Customer reviews

R

Rob

South Australia - 4 months ago
Product name: Comprehensive Car Insurance

5.0

Youi are the insurance company for me. Thank You.

I have been with Youi now for well over 8 years and find them to be a very consistent car insurer. Over that time i have unfortunately had two major claims, to which Youi, without hesitation, got the ball rolling on both my claims. They were sympathetic, professional and efficient. I was in the repairer in such a short time, it amazed me. Everything was easy and transparent. The staff friendly and attentive to my needs. I will not hesitate to recommend Youi for their insurance needs. Price and prompt attention when you nreeed them is vital for me.
- Price
  
  4.0
- Features
  
  4.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
N

Nic

Victoria - 7 months ago
Product name: Comprehensive Car Insurance

5.0

Youi is a fantastic experience

I have made a few claims with Youi and have been more than satisfied with their customer service and the claims process. They have been so helpful, prompt in sorting out issues and flexible with who I use for repairs as I am in a rural location. Youi is a little more expensive for my vehicle but I think it is worth the money. I highly recommend them to all my friends.
- Price
  
  3.5
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
J

Jenni

Victoria - 8 months ago
Product name: Comprehensive Car Insurance

5.0

More band for your buck $$

Go above and beyond to get you a cheaper rate for comprehensive insurance with more bang for your buck. Great telephone service.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
J

Jess

Victoria - 11 months ago
Product name: Comprehensive Car Insurance

1.0

Terrible.

YOUI has been adding extras (charges) for the last 5 years, someone has only just told to me from the service so now it is changed. They over charge A LOT. I would never recommend YOUI to anyone.
- Price
  
  1.0
- Features
  
  2.5
- Service
  
  3.5
- Convenience
  
  2.5
- Trust
  
  1.0
G

Grace

New South Wales - 12 months ago
Product name: Comprehensive Car Insurance

5.0

The best one yet for your vehicle

I have been with Youi for a number of years now and always been very happy with them over that time .I called them when I had an accident and they just did everything for me without any hasslesso thats why I have stayed with them
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
T

Troy

New South Wales - 12 months ago
Product name: Comprehensive Car Insurance

5.0

Easy to understand and excellent service

Hi I love this provider because it's a cheap way for me and I like their customer service is excellent
- Price
  
  4.5
- Features
  
  4.5
- Service
  
  5.0
- Convenience
  
  4.5
- Trust
  
  5.0
E

Edward

New South Wales - 12 months ago
Product name: Comprehensive Car Insurance

4.0

I am happy with my current car insurance company

Things I like from YOUI: -Friendly customer service -Trustworthy -Do not wait long when calling them up Things can be improved more: -Give more competitive price to renewal clients -Genuine bottom price when existing clients ask for better renewal price
- Price
  
  4.0
- Features
  
  4.0
- Service
  
  4.5
- Trust
  
  4.0
J

Judith

Queensland - 12 months ago
Product name: Comprehensive Car Insurance

5.0

Youi are the best when we needed them for answers

They were extremely helpful and step by step let us know what we had to do, car came back very quickly and never had any trouble .
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
E

Elisabeth

New South Wales - about 1 year ago
Product name: Comprehensive Car Insurance

4.5

Excellent service and competitive price.

So friendly on the phone and so easy to access help. Provide help to cut your fees. Excellent service. Excellent. And competitive price.
- Price
  
  4.5
- Features
  
  4.5
- Service
  
  4.5
- Convenience
  
  4.5
- Trust
  
  4.5
P

Priscilla

Victoria - over 1 year ago
Product name: Comprehensive Car Insurance

4.5

Two Calls out for Road Side Assistance

Be aware that when you take youi insurance that you only have two calls outs for Road assistance and then when you are stuck make sure you have the money to pay upfront or you will be stranded just like I was.
- Price
  
  4.5
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  4.0

Youi car insurance

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