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.
Key takeaways
- Youi's comprehensive cover automatically includes roadside assistance and offers choice of repairer as an option.
- A sample quote indicated Youi was approximately $338 less costly than AAMI for a specific driver profile.
- AFCA data showed Youi had notably fewer motor insurance complaints than AAMI’s underwriter AAI.
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
-
ALDI car insurance review
ALDI car insurance offers comprehensive car insurance with really solid benefit limits.
-
ahm car insurance review
ahm offers a decent level of coverage but might not suit drivers on a tighter budget.
-
RACQ Roadside Assistance Review
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
-
Australian Seniors car insurance review
With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.
-
ANZ car insurance review
ANZ car insurance is typically more expensive than average, but it does have some generous benefits.
-
Australian Unity Car Insurance
Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
-
APIA car insurance
APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
-
Coles Car Insurance review
Coles car insurance is a budget-friendly option for young people, but older drivers may be able to find cheaper cover elsewhere.
-
Allianz car insurance review
With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
-
AAMI car insurance review
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
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