Youi Car Insurance

Youi is one of Australia’s most popular car insurers, with a range of policies available. Read our review to learn more about their services!

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, updated on February 16th, 2024       

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Youi is a specialist insurer headquartered in Queensland. Having been formed relatively recently in 2007, the business is now counted among Australia’s most prominent car insurance companies, as well as offering cover for caravans, trailers, motorcycles, watercraft, home and contents and small businesses.

Learn more about Youi and its car insurance products right here in our review. You can gain a greater understanding of the options available, their coverage and the ways you may be able to customise your policy’s inclusions.

Disclaimer: all coverage offered by Youi is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Youi if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Youi for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

Youi Car Insurance

What car insurance policies are available through Youi?

Youi offers the following types of car insurance to Australian drivers:

Comprehensive cover

Comprehensive car insurance provides the widest range of coverage options, including damage to your vehicle due to an accident (whether at fault or not). The following features and benefits are included in Youi’s Comprehensive cover policies:

  • Loss or damage to your car due to an accident, whether you’re at fault or not, or weather, such as storm and flood
  • Fire damage to your car
  • Damage to your car caused by theft or attempted theft
  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • Damage to your car caused by an earthquake
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to $1,000)
  • Cost of personal transport from the scene of the incident or to and from your repairer or hire car provider (up to $100)
  • Reasonable cost of a rental car following the theft or attempted theft of your vehicle for up to 14 days
  • Reasonable cost of a rental car following a not-at-fault accident until your car is repaired or your claim is paid
  • Up to $1,000 for the replacement and recoding of stolen keys and locks on your car
  • Further car additions such as window tinting, personalised registration plates, towbars and baby seats
  • Loss or damage to your personal effects in the car due to accident or theft (up to $750 in total and $150 per item)
  • Market value cover for an unbraked trailer damaged in an insured event (up to $1,500)
  • Up to $1,500 for counselling sessions required after a claimed incident
  • Cover of up to $5,000 per contract period towards funeral expenses for an individual who sustains a fatal injury while driving your car with consent
  • Youi Assist – Roadside
  • Temporary replacement cover for your new car if you sell your previous one for up to 14 days from the date you sell it (up to a maximum of $100,000 cover for total loss)
Third Party Fire and Theft cover

Third Party Fire and Theft (TPFT) cover is a step down from Comprehensive but offers more protection than Third Party Property Only. The following may be included in your Youi TPFT cover policy:

  • Loss of, or damage to, your vehicle due to fire, theft or attempted theft
  • Damage to your car caused by an earthquake
  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Cost of personal transport from the scene of the incident or to and from your repairer or hire car provider (up to $100)
  • Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to $1,000)
  • Reasonable cost of a rental car following the theft or attempted theft of your vehicle for up to 14 days
  • Up to $1,000 for the replacement and recoding of stolen keys and locks on your car
  • Further car additions such as window tinting, personalised registration plates, towbars and baby seats
  • Loss or damage to your personal effects in the car due to accident or theft (up to $750 in total and $150 per item)
  • Market value cover for an unbraked trailer damaged in an insured event (up to $1,500)
  • Up to $1,500 for counselling sessions required after a claimed incident
  • Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $5,000)
  • Temporary replacement cover for your new car if you sell your previous one for up to 14 days from the date you sell it (up to a maximum of $100,000 cover for total loss)
Third Party Property Only cover

The lowest level of optional car insurance cover, Third Party Property Only (TPPO) cover is designed to offer protection to you against damage you might cause to other people’s property. Youi’s TPPO cover can include the following:

  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • Up to $1,500 for counselling sessions required after a claimed incident
  • Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $5,000)
  • Temporary replacement cover for your new car if you sell your previous one for up to 14 days from the date you sell it (up to a maximum of $100,000 cover for total loss)
Compulsory Third Party cover

Compulsory Third Party (CTP) insurance, or Green Slip insurance in NSW, is mandatory in all states and territories in Australia. However, while some state governments offer this as part of vehicle registration, others have a list of approved insurers from which you can buy cover. In the case of Youi, you can buy CTP insurance if you’re in NSW or SA. Though the cover specifics vary between states, these policies can include:

  • Cover for compensation claims made against you by someone injured or killed in a motor accident you’re liable for, including passengers, pedestrians and other road users
  • Liability for injuries caused by a trailer while attached to your vehicle
  • Limited cover for injuries sustained by the at-fault driver in a motor accident (NSW)

Are there any optional extras available through Youi?

Yes – Youi offers several optional extras on their Comprehensive and TPFT cover policies. These are:

  • Hire car if your vehicle is deemed unsafe to drive after a covered incident, whether at fault or not, for up to 14 days (Comprehensive or TPFT)
  • Choice of repairer
  • Reduced excess on windscreen, window or sunroof glass claims (automatically included with Comprehensive Plus)
  • Cover for business items lost or damaged in an insured event for up to $2,000 per claim (up to $400 per item)
  • Up to $1,000 worth of cover for contents lost or damaged in a campervan or motorhome

What are some of the pros and cons of buying car insurance through Youi?

  • Extensive coverage and optional extras: Youi offers a wider range of coverage and optional extras on their Comprehensive and TPFT policies than many other insurers while maintaining a competitive price.
  • Roadside assistance automatically included: unlike most other leading insurers in Australia, Youi’s roadside assistance is included as standard in Comprehensive policies, rather than for an added cost.
  • Counselling costs covered: another point of difference for Youi is their cover for up to $1,500 in counselling costs required after being involved in a claimable event.
  • No no-claim bonus: one key area lacking in their coverage, however, is the absence of a no-claim bonus, meaning you won’t be rewarded with a discount for safe driving.
  • Roadside assistance only available with Comprehensive cover: although roadside assistance is automatically included in Comprehensive cover policies, it isn’t available under any of Youi’s other policies.

Common questions about Youi car insurance

Can I buy car insurance as a senior through Youi?

Yes – Youi offers car insurance products to drivers of all age groups, provided they satisfy the eligibility criteria and terms and conditions of their policy. This means that if you’re a senior driver, you may be able to take out car insurance with Youi.

Am I able to take out insurance for a business vehicle with Youi?

Yes – car insurance policies taken out through Youi offer coverage for business usage. However, if you’re looking for a policy for a specialist business vehicle, such as commercial car insurance, you may need to look elsewhere.

How can I make a car insurance claim with Youi?

Through Youi, you can submit your claim online or over the phone, as well as request a call back from a claims advisor.

In which states does Youi operate?

You can purchase a Youi car insurance policy in any state or territory in Australia aside from the Northern Territory.

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