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Youi car insurance review

Expect great customer service, competitive cover limits and the chance to add several features onto your policy with Youi car insurance.

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Youi Comprehensive

Promoted
  • 2023 Finder Award winner
  • Automatically includes roadside assistance
  • Cover for collisions, weather damage and more
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Our verdict

Pros

  • Youi's comprehensive policy automatically includes roadside assistance. This is typically an optional extra for other car insurers, costing an additional $100 annually.
  • Its comprehensive policy offers thorough coverage. It was awarded the 2023 Finder Award for features because it covers more than other insurers but is still a comparatively affordable policy.
  • 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?

As part of our 2023 car insurance awards, we compared 640 features and got over 1,000 quotes across 30+ comprehensive car insurance policies. Here's how Youi performed next to other insurers.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Youi Comprehensive
Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Bingle Comprehensive
    Optional add-on
    Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

    Who it might be good for: Those wanting a low-cost, no-frills policy.
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    Price

    Keep in mind car insurance prices are based on multiple factors such as where you live, your age and the car you drive – so costs may differ for you.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    Bingle car insurance logo$849$788$623$639$1,034$669$767Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    2023 Customer Satisfaction rating

    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 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
    Brand Overall satisfaction rating
    Youi car insurance ★★★★★ 4.38/5
    Everyday car insurance ★★★★★ 4.36/5
    AAMI car insurance ★★★★★ 4.32/5
    Budget Direct car insurance ★★★★★ 4.32/5
    QBE car insurance ★★★★★ 4.22/5

    Finder survey: How many Australians have roadside assistance?

    Response
    Yes73.86%
    No19.48%
    I don't own a car4.97%
    I don't know1.69%
    Source: Finder survey by Pure Profile of 1006 Australians, December 2023

    Compare Youi policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Youi Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Limit not disclosed - Up to 14 days
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    Youi Third Party Fire and Theft
  • If your car is written off or stolen in the first 2 years
  • Reasonable costs - Up to 14 days
  • Up to $20 million legal liability cover and 24/7 claims team.
    Youi Third Party Property Damage
  • ⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

    Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
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    Congratulations, Youi!

    Youi received the following awards in the 2023 Customer Satisfaction Awards:

    • 'Car Insurance National' - Winner
    • 'Car Insurance QLD' - Highly Commended
    • 'Car Insurance VIC' - Highly Commended
    • 'Car Insurance WA' - Highly Commended
    Full list of 2023 winners

    What additional cover options are available?

    • Hire car for other insured events
    • Business items
    • Campervan/motorhome contents
    • Choice of repairer

    Why you can trust Finder's car insurance experts

    free

    We're free

    You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
    expert advice

    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
    independent

    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
    help

    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs

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    6 Responses

      Default Gravatar
      FrankSeptember 20, 2019

      Is windscreen replacement covered by car comprehensive insurance?

        AvatarFinder
        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

      Default Gravatar
      JeffMay 9, 2018

      What cheapest price you have for car insurance

        Default Gravatar
        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

      Default Gravatar
      DAMIENNovember 17, 2016

      How much for comprehensive car insurance + windshield replacement

        AvatarFinder
        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.

        All the best,
        Richard

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