Youi vs Budget Direct car insurance
A side by side comparison of Youi and Budget Direct car insurance including expert analysis of pricing, features, complaints and reviews.
Key takeaways
- Budget Direct often has lower average comprehensive car insurance premiums compared to Youi.
- Youi comprehensive policies automatically include roadside assistance, a feature optional with Budget Direct.
- Youi receives fewer motor insurance complaints than Budget Direct's underwriter, yet resolves fewer at referral.
Youi vs Budget Direct car insurance — compare key features
We've compared the comprehensive car insurance policies on offer from Youi car insurance and Budget Direct car insurance. See further below for other types of car insurance offered by these providers.
Youi Comprehensive |
Budget Direct Comprehensive |
|
|---|---|---|
| Underwriter |
Youi Pty Ltd |
Auto & General Insurance Company Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Roadside assistance |
Yes |
Standalone |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer |
Optional |
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 |
Up to $1,500 - Up to 21 days |
| Hire car after no fault accident |
Limit not disclosed |
Up to $75/day if no hire car is provided |
| Hire car after at fault accident |
Optional Limit not disclosed - Up to 21 days |
Optional Up to $75 per day - Up to 21 days |
| Emergency repairs |
Up to $1,000 |
Up to $500 |
| Emergency travel and accommodation costs |
Up to $1,000 |
Up to $1,000 - Up to $200 per day |
| New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off in the first 2 years or is under 40,000kms |
| Personal effects/property |
Up to $750 |
Up to $500 |
| Locks and keys replacement |
Up to $1,000 |
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 Budget Direct car insurance prices compared
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How we picked these
"My car insurance was due for renewal so I was comparing my options. I'm with Youi and happy with their service but didn't like the premium increase I received. I got a quote from Budget Direct only to find it was on par yet didn't include roadside assistance (like Youi does). I ended up calling Youi and told them I was looking at leaving; they offered me a discount on the spot and I saved over $100. "
That is not unusual: ASIC's 2026 review of the car insurance market found 31% of people who contacted their insurer before renewing got a lower premium, and that paying annually rather than by instalments can save 10% to 20%.
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
Budget Direct offers 4 levels of car insurance cover:
- Budget Direct Gold Comprehensive
- Budget Direct Gold Comprehensive Low Kilometres
- Budget Direct Third Party Property Fire & Theft
- Budget Direct Third Party Property Damage
Youi and Budget Direct 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 Budget Direct (Auto & General) received and resolved in the 2025-26 financial year (1 July 2025 to 30 June 2026).
| AFCA member entity | Complaints received | Complaints resolved at referral | Referral resolution rate |
|---|---|---|---|
| Auto & General Services Pty Ltd | 2455 | 1347 | 55.32% |
| Youi Pty Ltd | 557 | 221 | 40.55% |
Finder's verdict
Expert insight
"Budget Direct does what it says on the tin. It's cheap and offers a really decent level of cover compared to other big brands. Youi is also a solid comprehensive policy. It's also the only comprehensive policy to automatically include roadside assistance. If you're looking for good customer service, Youi outperforms most insurers (not just Budget Direct). Regardless of who you prefer, it's worth getting quotes from both to see who is cheaper for you."
Sources
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