Youi's comprehensive policy automatically includes roadside assistance. This is typically an optional extra for other car insurers, costing an additional $100 annually.
Youi are usually happy to negotiate on price if you talk to them on the phone.
Our research found that Australians rated it as the best insurer for customer satisfaction. This was based on things like customer service, features and benefits, ease of application and value for money.
Cons
You'll have to speak with someone over the phone to buy a policy whereas other insurers offer an all online quoting and application portal.
Youi only covers the first 2 call-outs in a year, whereas standalone roadside assistance policies typically cover all call-outs.
There are currently no sign-up discounts. Other insurers offer up to 15% off for new policies/customers.
How does Youi compare with other car insurers?
We obtained quotes across a range of providers for a 30 year old male based in NSW.
Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2024, we asked Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the insurers scored, these were the top 3. See our methodology for how each provider was scored.
Brand
Overall satisfaction rating
★★★★★ 4.44/5
★★★★★ 4.30/5
★★★★★ 4.19/5
"Staff are always incredibly helpful and pricing is reasonable."
Anon, QLD
Youi customer
"Youi has saved me $70 a month on my insurance, thanks Youi!"
Anon, VIC
Youi customer
"Youi has always looked after us, really fantastic service always."
Anon, SA
Youi customer
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Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
"We've all seen the TV ads for Youi. A few years back I wanted to see if they'd put their money where their mouth was. Since being a Youi member I've enjoyed discounted fees each year, beating competitors without even asking for the quotes I had sourced. They've gone above and beyond for me in terms of value."
Youi covers modifications to improve your vehicle's performance or handling as long as you tell the insurer about them when you apply for cover. Examples of covered modifications and accessories include engine replacement, raised or lowered suspension, disability modifications and personalised plates.
Roadside assistance is automatically included in Youi's comprehensive car insurance policy. For third party policies, roadside assistance is not available.
You can choose to insure your car at market value (the replacement cost determined when loss or damage occurs) or agreed value (the amount that you nominate).
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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Is windscreen replacement covered by car comprehensive insurance?
Finder
JeniSeptember 22, 2019Finder
Hi Frank,
Thank you for getting in touch with Finder.
Youi’s comprehensive car insurance covers loss or damage to the car for insured events as well as your liability for any damage caused by the car to a third party’s property. Kindly contact them directly regarding your windscreen replacement as they do not offer free windscreen replacement but you may choose a reduced windscreen excess.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
JeffMay 9, 2018
What cheapest price you have for car insurance
NikkiMay 9, 2018
Hi Jeff,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We don’t have any access to the quotes/fees of car insurance. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
You may contact the insurance provider to give you the cheapest price. :)
Hope this clarifies! Feel free to message us should you have any questions.
Thanks,
Nikki
DAMIENNovember 17, 2016
How much for comprehensive car insurance + windshield replacement
Finder
RichardNovember 17, 2016Finder
Hi Damien,
Thanks for getting in touch. finder.com.au is a comparison service and we do not currently provide quotes for car insurance. If you would like to get a quote from Youi, you can do so by selecting the “Get Quote” button found on this page. You should then be redirected to their official website, where you can get a quote.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
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We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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Is windscreen replacement covered by car comprehensive insurance?
Hi Frank,
Thank you for getting in touch with Finder.
Youi’s comprehensive car insurance covers loss or damage to the car for insured events as well as your liability for any damage caused by the car to a third party’s property. Kindly contact them directly regarding your windscreen replacement as they do not offer free windscreen replacement but you may choose a reduced windscreen excess.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
What cheapest price you have for car insurance
Hi Jeff,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We don’t have any access to the quotes/fees of car insurance. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
You may contact the insurance provider to give you the cheapest price. :)
Hope this clarifies! Feel free to message us should you have any questions.
Thanks,
Nikki
How much for comprehensive car insurance + windshield replacement
Hi Damien,
Thanks for getting in touch. finder.com.au is a comparison service and we do not currently provide quotes for car insurance. If you would like to get a quote from Youi, you can do so by selecting the “Get Quote” button found on this page. You should then be redirected to their official website, where you can get a quote.
All the best,
Richard