Youi car insurance review

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

4.8 ★★★★★ (17 reviews) Write a review
Youi

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With a variety of policies that can be tailored to meet individual needs, it's no surprise that thousands of Aussie's trust Youi with their car insurance. You can choose between three policies and there's a range of useful add-ons such as hire car replacement, theft of tools and emergency roadside assistance.

Our Verdict:

  • Take advantage of roadside assistance that's standard with Youi's most comprehensive plan. 15 other top brands we looked at only offered this as an optional cover.
  • Its comprehensive policy offers $750 in protection for your personal effects – $250 more than you'll get with top cover plans from Budget Direct and Coles.
  • Youi's policies are refreshingly simple and faff-free, but keep in mind that you can't build up a no claims bonus with this provider.

Review by our car insurance senior writer James Martin

Ready to compare Youi car insurance?

Name Product Accidental Damage Roadside Assistance Fire and Theft New car replacement Hire Car After Theft
Youi Comprehensive
Yes - If your car is written off or stolen in the first 2 years
Yes - Reasonable costs (Max 14 days)
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Youi Third Party Fire and Theft
Yes - Reasonable costs (Max 14 days)
Up to $20 million legal liability cover and 24/7 claims team.
Youi Third Party Property Damage
Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.
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What cover options does Youi offer?

  • Comprehensive. Designed to offer ultimate peace of mind, Youi Comprehensive Car Insurance offers cover for a wide range of insured events and is also available with several optional extras to allow you to increase your level of cover. Other benefits include legal liability cover, cover for additions to the car and also the option to cover contents stored in your vehicle.
  • Third Party Fire and Theft. More affordable than a Comprehensive car insurance policy, Third Party Fire and Theft Car Insurance from Youi is a mid-range policy option that provides a reasonably broad range of cover to suit a wide range of budgets. It provides $20 million of legal liability cover if your car causes damage to someone else’s property, and also offers protection against damage caused by risks such as fire and theft. Other benefits, such as cover for towing costs and the option to cover contents inside your vehicle, are also provided.
  • Third Party Property Only. This entry-level policy provides basic cover for those who only want insurance for the essentials. It provides $20 million legal liability cover if your car causes damage to someone else’s property, while your temporary replacement vehicle is covered for a limited time after you trade in your first car. Cover is also included if you ever find yourself in the unfortunate situation where an uninsured driver causes accidental damage to your vehicle.

How does each cover type compare?

Comprehensive Third Party, Fire and Theft Third Party Property Only
Accidental Damage
Intentional Damage
Storm or Flood
Fire
Theft
Earthquake
Emergency Accommodation Transport and Repairs
Legal Liability
Towing Cost
Baby Seat Replacement
Personalised Registration Plates
Towbar
Window Tinting
Locks and Keys
Contents Inside the Car
Temporary Replacement Car
Hire Car Following a Theft
Hire Car for Other Insured EventsOptionalOptional
Youi Assist - Roadside
Unbraked Trailer
Business ItemsOptionalOptionalOptional
Campervan/Motorhome ContentsOptionalOptional
Choice of RepairerOptionalOptional

Am I covered for business use?

You might be covered for damages to the vehicle itself, however there might be certain business risks that won't be covered e.g. public liability. You might want to also consider business insurance from Youi as well.

What exclusions are there?

Youi will not pay your Car Insurance claim if:

  • It is for loss or damage to any illegal property or item
  • It is for loss or damage caused by theft or attempted theft by deception
  • It is for legal liability for death or personal injury to anyone who should be covered under a statutory compensation scheme
  • It is for any event that occurred before cover started or after it ended
  • You admit liability that would otherwise have not existed under law
  • It arises due to the intentional and deliberate acts or omissions of you or anyone else insured under the policy
  • It arises due to any illegal activity, or while your property is being used for any illegal activity
  • It is for fines, penalties or aggravated or exemplary damages
  • It arises due to the lawful repossession, confiscation or destruction of an insured item or insured property
  • It is for any event or any court or tribunal judgment that occurred outside Australia
  • It arises due to wear and tear, rust or corrosion
  • It arises due to a process of cleaning, restoring, repairing or modifying any insured property
  • It is a result of mechanical, electrical or electronic breakdown or failure
  • It is caused by poor or faulty design, materials or workmanship
  • It arises due to an act of war or looting, rioting or civil commotion
  • It is for repair or replacement of a windscreen or window that was already damaged when cover started
  • It is for loss of value or depreciation to the vehicle
  • It is for tyre damage caused by wear and tear, punctures or deflation
  • It results because the car was being driven by someone who did not have your permission to drive (except if the vehicle was stolen)
  • It arises because the car was driven by someone who doesn’t have a valid driver’s licence
  • It is caused by the car being driven by someone under the influence of alcohol or drugs
  • It arises because the car is being used in a reckless manner
  • It arises because the car is driven in an unsafe or unroadworthy condition
  • It is caused by the use of the incorrect fuel or oil

What affects the cost of my premiums?

The cost of your premium can be influenced by a range of factors, including:

  • The make, model and age of the car. A high-powered, luxury sports car will obviously cost more to insure than a zippy little runabout.
  • What the car is used for. How often your car is driven and where will be taken into account.
  • The address where you park the car. Your car could be more at risk of suffering loss or damage in certain areas, for example, theft or storm damage.
  • Security where you park the car. Cars kept in secure, locked garages overnight are cheaper to cover than vehicles which are left parked on the street.
  • The age, driving history and claims experience of all drivers. These factors will be considered to determine the likelihood of you making a claim.
  • Any extra benefits you include. Available options include a hire car for other insured events, as well as cover for business Items and choice of repairer.
  • The payment method you choose. Contact Youi for information on the most affordable way to pay your Car Insurance premiums.
  • Admin costs, taxes and government charges. Check with the insurer for details about the additional fees and charges that may apply in your state or territory.
  • The excess you choose. If you select a higher excess you will receive a lower premium.

What excess will I need to pay?

You’ll need to pay an excess whenever you make a claim under your Youi Car Insurance policy. A basic excess is payable for each and every claim you make, and you may be given the option of selecting your excess amount (which will also affect the cost of premiums).

You may also need to pay an additional excess in certain circumstances, which are detailed on your policy schedule, or if your claim arises because your vehicle was being driven by someone not listed on your insurance policy.

Finally, Youi also offers the option of paying an extra premium to reduce the excess payable on claims for windscreen damage.

How can I save on my Youi car insurance policy?

  • Provide details. Youi aims to differentiate itself from other insurers by asking more questions when you apply for cover. This allows it to offer insurance tailored to suit your needs, which means you will only pay for the insurance protection you need.
  • Choose a higher excess. This will, in turn, lead to more affordable car insurance premiums.
  • Choose a lower level of cover. If you don’t want the high level of cover offered by Comprehensive Car Insurance, you can save money by choosing a lower level of cover.
  • Minimise your options. Adding extra benefits to your policy will increase your premium.

How do I make a claim?

If you need to make a claim under your Youi policy, keep in mind that each claim can only relate to one incident. It’s essential that you remember to take all reasonable steps in order to minimise and prevent any loss or damage, while you must also allow the insurer to inspect any damaged goods or property for which you are lodging a claim.

Questions you still might have

Does Youi also insure motorcycles?

Yes. Youi’s Comprehensive, Third Party Fire and Theft, and Third Party Property Only policies are all offered to motorcycle riders.

Are my mods and accessories covered?

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.

Does Youi also offer roadside assistance?

Yes. Emergency roadside assistance is automatically included in cover for Comprehensive policyholders.

How much will my car be insured for?

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).

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6 Responses

    Default Gravatar
    FrankSeptember 20, 2019

    Is windscreen replacement covered by car comprehensive insurance?

      Avatarfinder Customer Care
      JeniSeptember 22, 2019Staff

      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 Customer Care
      RichardNovember 17, 2016Staff

      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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