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Youi car insurance vs AAMI

Youi or AAMI? Find out who's right for you.

Youi comprehensive car insurance offers two, easy-to-understand policies with cover for essentials as well as for lost or stolen keys, counselling services and roadside assistance. AAMI's comprehensive car insurance policy comes with benefits including hire car after an event for unlimited days and plenty of other services covering you for theft, flood and more. To ensure you make the decision that works best for you, we've highlighted their differences below.

What differences are there between Youi car insurance and AAMI?

Some of the main differences between Youi car insurance and AAMI car insurance include the following:

  • Personal property. When your car is stolen or damaged in an incident covered by your policy, Youi will pay up to $750 ($150/item) for accidental loss or damage to your personal property, such as clothing, electronics and telecommunication devices that were in the car at the time of the incident. AAMI has a slightly higher limit, covering you up to $1,000 in total per incident.
  • Counselling services. With Youi, you'll get cover for counselling sessions with an accredited counsellor in case you're in an accident. The most it will pay for each claim is $1,500 per household member.
  • Emergency roadside assistance. Youi includes emergency roadside assistance with its comprehensive car insurance policy. This is an optional extra with AAMI.
  • Hire car following an incident. You can get a hire car after an event for unlimited days with AAMI, but only as an add-on. You can get a similar add on with Youi but cover will cease after 14 days.

How do both brands compare?

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
Bonuses No $50 online discount
Roadside assistance Yes Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer Optional
Legal liability Yes - $20,000,000 Yes - $20,000,000
Fire and theft
Hire car after theft Yes - Limit not mentioned - Up to 14 days Yes - Reasonable costs - Up to 21 days
Hire car after no fault accident
Hire car after at fault accident Optional - Limit not mentioned - Up to 14 days Optional - Up to $90 per day - Until claim is completed
Emergency repairs Yes - $1,000 Yes - $1,000
Emergency travel and accommodation costs Yes - $1,000 Yes - $1,000
New car replacement 2 years 2 years
Personal effects/property $750 $1,000
Locks and keys replacement Yes - $1,000 No
Emergency repairs
Trailer cover $1,500 $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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*Always check the PDS on the provider page before making a decision.
*To make sure if the product is what you are looking for you, always check the product disclosure statement (PDS).

What benefits do Youi and AAMI car insurance offer?

Here are some of the main benefits available with Youi and AAMI car insurance policies:

  • Hire car following a not-at-fault car accident: Both automatically provide you with a hire car if an accident with another vehicle causes loss or damage to your car where you are not at fault.
  • New for old replacement. Both providers will either replace the car or pay the replacement cost of a new one if your car is written off within the first two years.
  • Emergency repairs. Both cover you for the reasonable costs of emergency repairs to make your car roadworthy or safe, so you can get it to your destination
  • Accommodation cover. Both will pay the reasonable emergency accommodation costs if your car is not roadworthy or safe to drive and you are more than 100km from your home.

How do Youi's and AAMI's exclusions compare?

Both Youi's and AAMI's general exclusions are similar. For example, both exclude cover for transporting dangerous goods, deliberate acts and driving a damaged car. They also only provide cover for loss or damage that occurs in Australia.

AAMI also does not cover incorrect fuel usage that results in loss or damage to your car. However, Youi's roadside assistance add-on will cover you for towing costs if you use the incorrect fuel.

For towing, Youi does not cover you for any costs associated with towing a car that has a GVM exceeding 3.5 tonnes. AAMI does not specify a weight limit.

What companies are the underwriters for AAMI and Youi?

AAMI is part of the Suncorp Network, which also consists of brands Suncorp, Bingle, GIO, Apia and Shannons. Its car insurance is underwritten by AAI Limited, which is a joint initiative between Suncorp Group and Good Shepherd Microfinance.

Youi Pty Ltd underwrites its own policies and is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investment Commission (ASIC). It is part of international insurance provider OUTsurance International Holdings Pty Limited and Rand Merchant Insurance Holdings Group (RMIH).

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2 Responses

    Default Gravatar
    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’?

      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.


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