Youi Comprehensive Car Insurance is highly regarded by its customers, with a high average customer rating of 4.1 stars from 6901 reviews on ProductReview. Unlike many other providers, Youi offers its comprehensive policyholders roadside assistance as standard, which is available 24/7, making Youi a top choice for Australians.
Read more below to find out whether Youi is the right fit for you.
Pros
- Roadside assistance included as standard
- High customer ratings
- New-for-old car replacement
Cons
- Phone line enquiries only available six days per week
- Choice of repairer is an extra cost
Table of Contents
Featured Partners
24/7 Roadside assistance
Included in comprehensive insurance policies.*
Hire Car following a theft
Included in comprehensive and third-party fire & theft policies – up to 14 days.
New car replacement
If your car is a total loss resulting from an insured event in the initial 2 years of first being registered.^
^T&Cs apply *Exclusions, limits and additional fees may apply.
About Youi Comprehensive Car Insurance
Founded in 2007, Youi is a younger player in the insurance space and offers Australians product liability, home, and of course, car insurance.
Since its founding, Youi has become a popular choice for Australians looking for car insurance thanks to its top-tier offerings and high levels of customer service.
Customers of Youi can choose whether to have their car insured by market value or by agreed value, have roadside assistance automatically included in their policies, and can receive a hire car at no extra cost. It’s choices and benefits like these that have helped Youi stand out with customers, being rated 4.1 stars from 6901 reviews on independent consumer opinion site Product Review.
What Is Covered by Youi?
Youi’s comprehensive car insurance policy is its top insurance offering, covering drivers for accidents, theft, damage to other’s property and more. The comprehensive car insurance policy can be personalised to suit your own needs, with the inclusions and optional extras explained further below.
Break-ins, Accidents and After-Accident Care
With Youi’s comprehensive car insurance policy, accidental damage to your vehicle is covered. This means Youi will cover the costs to replace or repair your car, whether you or someone else is responsible for causing the damage to the car.
In the event that the accidental damage (when you are not at fault) causes your car to be undriveable for a period of time, Youi will also provide a hire car. The maximum number of days and cost limit of the hire car is subject to the individual’s policy.
If an incident occurs more than 100 kilometres from home that causes your car to be undriveable, Youi will provide you with emergency accommodation, transport and repairs up to $1000. Towing and storage of the car is covered to the nearest suitable place after an insured event is also covered.
Theft is also covered with Youi comprehensive car insurance: the contents inside your car are covered up to a maximum of $750, with a cap of $150 per item.
Will Youi Replace My Car if it’s Written Off?
Yes, policyholders of Youi’s comprehensive car insurance policy have a new-for-old car replacement deal in their policy. This means Youi will replace your car for free if it is written off, if you purchased the car as new or demonstrator model, and if it is within the first 24 months from the car’s initial registration.
Can I Choose My Repairer?
Choice of repairer is not an automatic inclusion with Youi’s comprehensive car insurance; however, customers can choose to pay for the feature as an add-on.
Is Roadside Assistance Included as Standard?
Yes, roadside assistance is included in comprehensive policies via Youi Assist. It is available 24/7.
Youi Customer Service (aka How Easy Is it to Make a Claim?)
It is quite straightforward to make a claim with Youi, which can be completed online via the Youi website. You can also track your claims and update them online through the same portal.
If customers would prefer to make a claim over the phone, there is a phone line available six days a week; however, this is the same phone line that is used for enquiries. Rather than waiting in a long queue, Youi offers its customers a call back service so everyone can go about their day without delays.
Youi Comprehensive Car Insurance: Extras and Exclusions
At Youi, there are certain optional extras: this includes having the choice of your own repairer, and the choice to reduce the excess for your windscreen replacement by increasing your yearly premium.
The exclusions of the policy–being conditions in which claims would be void–are:
- Drivers who are unlicensed or suspended;
- Drivers under the influence, or those who refuse drug or alcohol testing;
- If the driver leaves the scene of an accident without a lawful excuse;
- If the car is being driven in a reckless manner, or any deliberate acts;
- If the incorrect fuel has been used; and
- Other exclusions as listed in the PDS.
How Can I Get A Discount with Youi Comprehensive Car Insurance?
Some car insurance providers may have specific bonuses and discounts, such as the ‘no claims bonus’ and a deal called ‘drive less, pay less’.
At Youi, these specific discounts do not exist. However, the concept of each is factored into a policyholder’s premium. This means that the driver’s claims history and the kilometres travelled per year are taken into account when calculating the premium so should reflect the annual amount.
24/7 Roadside assistance
Included in comprehensive insurance policies.*
Hire Car following a theft
Included in comprehensive and third-party fire & theft policies – up to 14 days.
New car replacement
If your car is a total loss resulting from an insured event in the initial 2 years of first being registered.^
^T&Cs apply *Exclusions, limits and additional fees may apply.
Frequently Asked Questions (FAQs)
Who owns Youi car insurance?
Youi was founded in 2007 by OUTsurance Group Limited, which is headquartered in Queensland.
Youi Pty Ltd is an Australian registered company and is a wholly owned subsidiary of Youi Holdings Pty Ltd, which in itself is a subsidiary of OUTsurance International Holdings Pty Limited.
As Youi explains on its website, the ultimate holding company is OUTsurance Group Limited.
How much is Youi comprehensive car insurance?
Like any other car insurance provider, the cost of Youi’s comprehensive car insurance policy will vary between individuals. This is because car insurance is dependent on a number of factors, such as your age, driving history, and any additional extras you choose to opt in or out of.
Youi also take your claims history and the kilometres you travel per year into account when calculating your premium, and the excess you choose will also affect the cost of your premium. Therefore, a general figure for the cost of Youi comprehensive car insurance cannot be provided.
Instead, to get an idea of how much Youi’s comprehensive car insurance would cost you per year, you can use Youi’s online quote calculator found here.
Is Youi car insurance good?
Youi comprehensive car insurance is one of the top rated car insurance providers according to research and analysis by Forbes Advisor. It has been consistently highly rated by its customers, with an average of 4.1 stars from 6901 reviews on ProductReview.
Due to its many perks, benefits and ease of use, Youi car insurance is considered a good choice for Australian drivers.
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