Youi vs Budget Direct Car Insurance 

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:

• Car hire following a not at fault car accident: If you have a comprehensive policy, Youi will 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. This is an optional extra with Budget Direct.
• Personal property. Youi will pay up to $750 ($150/item) while Budget Direct will cover you for up to $500 and also up to $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	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	$1,000
Emergency repairs	$1,000	$200/day
Emergency travel and accommodation costs	$1,000	$200/day
New car replacement
Personal property	$150/item	$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

What benefits do they offer?

Both Budget Direct and Youi offer several benefits with their policies. Listed below are some of the main highlights:

• Low kilometres policy. Budget Direct will lower your premium if travel less than 12,000km a year in your car.
• 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 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.