Youi Car Insurance is an Australian insurer that offers a range of policies designed to provide comprehensive coverage and tailored options for individual drivers. One of the standout features of Youi’s policies is their focus on customization. The company uses detailed information about each driver to create policies offering value for money while providing adequate coverage.
In addition to their customizable policies, Youi offers a number of other features that help set them apart from other insurers. For example, their comprehensive policy automatically includes 24/7 roadside assistance, which can benefit drivers who need help while on the road.
Youi also offers a quality repair guarantee for all repairs made through their network of approved repairers. If a repair doesn’t meet their high standards, they will guarantee the quality of all repairs for the lifetime of the vehicle.
Comparison of Youi Car Insurance Coverages
| Coverage Type | Comprehensive | Third Party, Fire and Theft | Third-Party Property Only |
|---|---|---|---|
| Accidental damage | Yes | No | No |
| Intentional damage | Yes | No | No |
| Storm or flood | Yes | No | No |
| Fire | Yes | Yes | No |
| Theft | Yes | Yes | No |
| Earthquake | Yes | Yes | No |
| Emergency accommodation, transport and repairs | Yes – $1,000 | Yes – $1,000 | No |
| Legal liability | Yes – $20,000,000 | Yes – $20,000,000 | $20,000,000 |
| Towing cost | Yes | Yes | No |
| Baby seat replacement | Yes | Yes | No |
| Personalised registration plates | Yes | Yes | No |
| Towbar | Yes | Yes | No |
| Window tinting | Yes | Yes | No |
| Locks and keys | Yes – $1,000 | Yes – $1,000 | $0 |
| Contents inside the car | Yes | Yes | No |
| Temporary replacement car | Yes | Yes | Yes |
| Hire a car following a theft. | Yes – Limit not mentioned – Up to 14 days | Reasonable costs – Max 14 days | No |
| Hire a car for other insured events. | Yes | No | No |
| Unbraked trailer | Yes | Yes | No |
| Business items | Optional | Optional | No |
| Campervan/motorhome contents | Optional | Optional | No |
| Choice of repairer | Optional | Optional | No |
Award-winning car insurance
At Youi, They don’t do cookie-cutter car insurance. They believe you should get a cover that suits how YOU use your car. So They listen and ask the right questions to provide car insurance that works for you and that’s been named Finder’s Insurer of the Year for 2022.
Your car insurance premium can be affected by various factors, such as:
- The make, model, and age of your vehicle: A luxury sports car will cost more to insure than a small, economical car.
- The car’s usage: Your premium may be influenced by how often you drive your car and where you drive it.
- Parking location: The risk of theft or damage may vary depending on where you park your car, so the location can impact your premium.
- Security measures: If you park your car in a secure, locked garage overnight, you may pay less than parking it on the street.
- Driver information: All drivers’ age, driving histories, and claims experience will be evaluated to determine your likelihood of making a claim.
- Additional benefits: You may choose to add benefits such as hiring a car for other insured events, cover for business items, or choice of repairer, which may impact your premium.
- Payment method: Contact Youi for the most cost-effective way to pay your premium.
- Administrative costs, taxes, and government charges: Additional fees and charges may apply depending on your state or territory.
- Excess: Choosing a higher excess can lead to a lower premium.
What excess will I need to pay?
You must pay an excess whenever you need to claim under your Youi car insurance policy. The amount of excess payable is determined by your policy, and a basic excess applies to every claim made. You may have the option to choose your excess amount, which can affect the cost of your premiums.
As outlined in your policy schedule, you may need to pay an additional excess in some situations. For example, this can occur if your vehicle was driven by someone not listed on your insurance policy.
You also provide an option to reduce the excess payable on claims for windscreen damage by paying an additional premium.