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.

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By

Gary Ross Hunter

Updated

Fact checked
4.7 based on 828 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 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 image
Youi Comprehensive
AAMI Comprehensive Car Insurance image
AAMI Comprehensive Car Insurance
Underwriter
Youi Pty Ltd
AAI Limited
Accidental Damage
Damage to other people's car


Up to $20 million
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, combined with Emergency Transport & Accommodation and Personal Effects
Emergency travel and accommodation costs

Up to $1,000

Up to $1,000, combined with Essential Emergency Repairs and Personal Effects
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, combined with Essential Emergency Repairs and Emergency Transport & Accommodation
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.
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Youi vs AAMI car insurance prices compared

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Sample quote
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$1,417.84
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Sample quote
$1,756.10
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Car 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.

UnderwriterComplaints recieved Complaints resolved at registration & referral Referral resolution rate
Youi2088038.46%
AAI2231137061.43%

Finder's verdict

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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."

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Journalist

FAQs

Sources

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Journalist
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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 554 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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2 Responses

    Peter's avatar
    PeterNovember 27, 2021

    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’?

      James Martin's headshotFinder
      JamesDecember 1, 2021Finder

      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

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