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.
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.
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.
— Dougal Warby, Finder crew member
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
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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, WIN News, Insurance News, 7NEWS and The Guardian. 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). See full bio
James's expertise
James has written 255 Finder guides across topics including:
Peta Taylor is an associate publisher at Finder, specialising in car insurance. She's been analysing product disclosure statements and publishing articles for car insurance for over a year. Peta has a Bachelor of Communications and Media Studies with a Major in Marketing from the University of Wollongong and a Cert IV in Media Journalism. Peta is part of Finder's car insurance awards team and works alongside editorial and insights experts to bring drivers the best in car insurance products every year. See full bio
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.
All the best,
Richard
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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.
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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