Youi vs AAMI car insurance
A side by side comparison of Youi and AAMI car insurance, including expert analysis of pricing, features, complaints and reviews.
Youi and AAMI car insurance are both solid options if you want a comprehensive car insurance policy. AAMI edges it slightly on a few benefits (its limits are slightly higher) but Youi automatically includes roadside assistance. It's the only car insurer to offer this with its comprehensive policy.
Youi vs AAMI car insurance — compare key features
We've compared the comprehensive car insurance policies on offer from Youi car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.
Youi Comprehensive |
AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter |
Youi Pty Ltd |
AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Roadside assistance |
Yes |
Optional |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer |
Optional |
 |
| Legal liability |
$20,000,000 |
$20,000,000 |
| Fire and theft |
 |
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Limit not disclosed - Up to 21 days |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Limit not disclosed |
Reasonable Cost |
| Hire car after at fault accident |
Optional Limit not disclosed - Up to 21 days |
Optional Up to $90 per day |
| Emergency repairs |
Up to $1,000 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $1,000 |
Up to $1,000 |
| New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off or stolen in the first 2 years |
| Personal effects/property |
Up to $750 |
Up to $1,000 |
| Locks and keys replacement |
Up to $1,000 |
|
| Towing |
|
|
| Trailer cover |
Up to $1,500 |
Up to $1,000 |
| Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Youi vs AAMI car insurance prices compared
2 of 2 results
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseCar insurance policies on offer
Youi offers 3 levels of car insurance cover:
- Youi Comprehensive
- Youi Third Party Fire & Theft
- Youi Third Party Property Damage
AAMI offers 2 levels of car insurance cover:
- AAMI Comprehensive
- AAMI Third Party Property Damaege
Youi and AAMI car insurance complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Youi and AAMI (AAI) have received and resolved.
| Underwriter | Complaints recieved | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Youi | 208 | 80 | 38.46% |
| AAI | 2231 | 1370 | 61.43% |
Finder's verdict
Our expert says
"If you want quality customer service, a solid policy and roadside assistance automatically included, consider Youi. If price is the most important thing for you, or there are certain features you want high limits for, AAMI might be a safer bet. Either way, make sure you look at a handful of insurers, compare their cover and see who is priced best for you."
FAQs
Sources
More resources on Finder
Ask a question
2 Responses
More guides on Finder
-
Mobile phone use while driving statistics – Australia
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
-
Cheap Car Insurance Australia
Here's a guide to getting affordable car insurance that will still cover the essentials.
-
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
-
Pay as you drive car insurance
Find out how pay as you drive car insurance works and the benefits of getting cover in place and who it may be suitable for.
-
Pink slip – An eSafety inspection report
Your guide to Pink Slips.
-
Car insurance with a criminal record
To give it to you straight — getting car insurance with a criminal record is really difficult. We’ve done the research to help you out.
-
Motorcycle insurance NSW
Few things compare to the freedom and unmistakable joy of hitting the roads of New South Wales on a motorcycle. Compare policy features and discover what to look for in motorcycle insurance.
-
Car insurance in NSW
Your guide to getting car insurance in NSW.
-
RACQ car insurance review
The Queensland insurer is more expensive than many national brands, yet doesn’t have a particularly strong range of benefits.
-
Car insurance for under-25s
Discover the steps to get affordable car insurance if you are under 25.
Most car insurance companies are owned by the same parent company and when one phones them, they appear to be utilising the same platforms (phone response and questions asked).
How different are they in reality? Do they share data between each other when the person making the inquiry has also made similar inquiries with another one or more of the companies in the ‘group’?
Hi Peter,
I believe you’re referring to the same underwriters, but with different insurance brands. Is that correct? It’s true that some insurance companies do share the same underwriters.
If you wish to learn more, it’s best you get in touch with an insurance brand and ask them directly about this, including how they handle customer data.
Regards,
James