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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.
What differences are there between Youi and Budget Direct car insurance?
Here are some of the main differences between Youi and Budget Direct car insurance:
Personal property. Youi will pay up to $750 while Budget Direct will cover you for up to $500 and also up to Yes - $500 for child seats or capsules while in the car. Baby seat replacement is covered under 'additions to the car' with Youi.
Counselling services. Youi will also pay for the reasonable costs of counselling sessions with an accredited counsellor for a claim made in relation to your legal liability. The most they will pay for each claim is $1,500 per household member.
Emergency roadside assistance. Youi include emergency roadside assistance with their comprehensive car insurance policy.
How do the brands compare?
Youi Comprehensive
Budget Direct Comprehensive
Underwriter
Youi Pty Ltd
Auto & General Insurance Company Ltd
Accidental Damage
Damage to other people's car
Bonuses
No
15% online discount
Roadside assistance
Yes
Optional
Agreed or market value
Agreed or Market
Agreed or Market
Choice of repairer
Optional
Optional
Legal liability
Yes - $20,000,000
Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft
Yes - Limit not mentioned - Up to 14 days
Yes - Up to $1,000 - Up to 14 days
Hire car after no fault accident
Hire car after at fault accident
Optional - Limit not mentioned - Up to 14 days
Optional - Up to $75 per day - Up to 14 days
Emergency repairs
Yes - $1,000
Yes - $500
Emergency travel and accommodation costs
Yes - $1,000
Yes - $1,000
New car replacement
2 years
2 year
Personal effects/property
$750
$500
Locks and keys replacement
Yes - $1,000
Yes - $1,000
Emergency repairs
Towing
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.
Both Budget Direct and Youi offer several benefits with their policies. Listed below are some of the main highlights:
Low kilometres policy. Budget Direct offers a low kilometres comprehensive policy which is available to those who drive less than 10,000kms in a year. Those who drive fewer kilometres are typically offered cheaper premiums.
Driver-age restriction. Budget Direct also let you restrict your policy to drivers over a certain age to lower your premiums, including drivers aged 21+, 25+, 30+, 40+ or 50+.
New car replacement. If you purchased a new car and it becomes a total loss in less than 2 years or before you have driven 40,000 km, Budget Direct will replace it with a new car of the same make, model and specification wherever possible. They will also pay the first 12 months registration.
Tailored cover. With Youi car insurance, you can tailor your cover to suit your needs through a range of additional benefits including theft of tools, hire car replacement and emergency roadside assistance.
Online Discounts. You'll receive a 15% discount on your first year's premium for a new policy purchased online with Budget Direct.
Hail alert service. Budget Direct's hail alert service, Hail Hero, is available to all policyholders to help you avoid damaging your car in a storm.
Who is the underwriter for Youi and Budget Direct?
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 Ltd underwrite Budget Direct's car insurance policies.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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