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There are lots of reasons to sign up to a policy with Youi or Budget Direct car insurance, but we're here to help you find the features that matter most to you.
If you want emergency roadside assistance or a hire car following an accident that wasn't your fault, Youi might be the car insurance provider for you. If savings matter to you, then Budget Direct's driver-age restrictions or low kilometres policy could be the way to go.
Here are some of the main differences between Youi and Budget Direct car insurance:
![]() Youi | ![]() Budget Direct | |
---|---|---|
About the provider | Youi underwrites their own policies. They currently offer vehicel (car, motorocycle, caravan and trailer), home (building and contentns), watercraft and business liability insurance. | Budget Direct has been offering Simply Smarter insurance since 2000, insuring over 3 million Australians since then. They keep their prices low by avoiding covering high-risk drivers. |
Underwriter | Youi Pty Ltd | Auto & General Insurance Company Limited |
State served | All states except NT | Australia wide |
Products available | Comprehensive, Third Party, Fire and Theft, and Third Party Property Only | Comprehensive, Third Party Property, Fire and Theft, Third Party Property Only |
Damage to car | ||
Fire | ||
Storm | ||
Flood | ||
Theft or attempted theft | ||
Hire car after theft | Reasonable cost - Up to 14 days | $1,000 - Up to 14 days |
Emergency repairs | $1,000 | $500 |
Emergency travel and accommodation costs | $1,000 | $100/day - Up to $850 total |
New car replacement | ||
Personal property | $150/item - Up to $750 | $500 |
Grocery replacement cover | ||
Locks and keys replacement | $1,000 | $1,000 |
Towing | ||
Trailer and caravan cover | $1,000 | |
Roadside assistance | Optional | |
No claim discount | ||
Pay in full discount | ||
Multicar |
Both Budget Direct and Youi offer several benefits with their policies. Listed below are some of the main highlights:
Youi Pty Ltd is a registered general insurance company which means that it underwrites its own policies. They are regulated by the Australian Prudential Regulation Authority (APRA) and Australian Securities and Investment Commission (ASIC) and are part of OUTsurance International Holdings Pty Limited and Rand Merchant Insurance Holdings Group (RMIH), an international insurance provider.
Auto & General Insurance Company Limited underwrite Budget Direct's car insurance policies. Auto & General Insurance are part of the international BHL group and also provide insurance for brands such as Aus Post, Virgin, ING and Ozicare.
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