Youi Car Insurance

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Youi is a provider of car insurance, motorcycle insurance, watercraft insurance, caravan and trailer insurance, home insurance, and business insurance.

“At Youi, we get you.”

Policy Options: What Youi car insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Comprehensive

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Liability cover for damage to other people’s property up to $10,000 while the car is being transported by sea under Maritime Law.
  • Covers damage to your car caused by accident, intentional/malicious damage, storm or flood, fire, or earthquake, up to either the agreed value or market value.
  • Covers theft or attempted theft of your car.
  • Roadside assistance covered at no extra cost.
  • Guarantee on authorised repairs by authorised repairers for as long as you own the car.
  • Provision of a compact hire car after theft, for a reasonable cost per day for up to 14 days.
  • Option to include provision of a hire car after accident for up to 14 days.
  • Covers the reasonable costs of towing and storage of car after an accident.
  • Covers emergency repairs or emergency transport or accommodation of up to $1,000, if you’re more than 100km from home at the time.
  • Personal property in your car is covered for damage or theft, with up to $150 covered per item up to a total of $750.
  • Specified additions to car are covered: baby capsule or child seat, personalised registration plates, towbar, and window tinting.
  • Covers the cost of replacing car keys or recoding locks if the key is stolen, up to $1,000.
  • Optional cover for damage or loss of tools of trade that are stored in a locked boot or compartment when the car is also damaged, with replacement up to $200 per item up to a total of $1,000 per claim.
  • Damage to a replacement car you purchase if trading in your insured car is covered if the purchase price was less than $100,000, for up to 14 days after the purchase.
  • Optional cover for unbraked trailer attached to your car or parked at your overnight address, for accidental damage, intentional damage, theft and damage due to storm, flood, or earthquake, up to a market value of $2,500.
  • Optional gap cover for car loans: Youi will pay your loan provider the outstanding balance of your loan, less the insured value and the excess, up to 25% of the agreed value or market value.

Third Party, Fire and Theft

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Liability cover for damage to other people’s property up to $10,000 while the car is being transported by sea under Maritime Law.
  • Covers theft or attempted theft of your car.
  • Covers damage to your car from fire and earthquake.
  • Provision of a compact hire car after theft, for a reasonable cost per day for up to 14 days.
  • Option to include provision of a hire car after accident for up to 14 days.
  • Covers reasonable costs of towing and storage of car after an accident.
  • Covers emergency repairs or emergency transport or accommodation of up to $1,000, if you’re more than 100km from home at the time.
  • Personal property in your car is covered for damage or theft, with up to $150 covered per item up to a total of $750.
  • Specified additions to car are covered: baby capsule or child seat, personalised registration plates, towbar, and window tinting.
  • Covers the cost of replacing car keys or recoding locks if the key is stolen, up to $1,000.
  • Optional cover for damage or loss of tools of trade that are stored in a locked boot or compartment when the car is also damaged, with replacement up to $200 per item up to a total of $1,000 per claim.
  • Optional cover for unbraked trailer attached to your car or parked at your overnight address, for accidental damage, intentional damage, theft and damage due to storm, flood, or earthquake, up to a market value of $2,500.
  • Damage to a replacement car you purchase if trading in your insured car is covered if the purchase price was less than $100,000, for up to 14 days after the purchase.
  • Optional gap cover for car loans: Youi will pay your loan provider the outstanding balance of your loan, less the insured value and the excess, up to 25% of the agreed value or market value.
  • Optional cover is available for contents of campervan or motorhome for theft, loss or damage due to an insured event, up to a replacement cost of $1,000 per item.

Third Party Property Only

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Liability cover for damage to other people’s property up to $10,000 while the car is being transported by sea under Maritime Law.
  • Covers damage to your car caused by an uninsured third party, up to a market value of $5,000.
  • Damage to a replacement car you purchase if trading in your insured car is covered if the purchase price was less than $100,000, for up to 14 days after the purchase.
  • Optional cover for damage or loss of tools of trade that are stored in a locked boot or compartment when the car is also damaged, with replacement up to $200 per item up to a total of $1,000 per claim.
  • Optional cover for unbraked trailer attached to your car or parked at your overnight address, for accidental damage, intentional damage, theft and damage due to storm, flood, or earthquake, up to a market value of $2,500.

Policy Benefits: Why choose Youi

  • Personalised premiums: Every person drives their car in different ways – for short distances only, to work only, to the train station only – so Youi tailors your premium to the way you use your car. This can result in cheaper premiums for their customers.
  • Claims process: Youi lets you make a claim online, and they also have a 24/7 phone helpline for claims. Youi gives you a dedicated claims advisor, so you have one point of contact throughout the progress of your claim from start to finish – no need to tell your story over and over.
  • Few disputes: According to the Financial Ombudsman Service’s comparative tables for 2014-2015, Youi has one of the fastest dispute resolution times on the board, and the third-highest rates of disputes resolved by agreement. They also showed a lower than average chance of a dispute coming to the Ombudsman for car insurance in general. Well done, Youi!

About Youi

Youi was founded in November 2008 and is based on the Sunshine Coast in Queensland. The company actually traces its origins back to 1998 through its sister company, OUTsurance.

At the time of writing, Youi advertises that it has an impressive 91% customer satisfaction rating on its online customer feedback Wall.

You may have seen Youi’s “We Get You” ads on TV advertising their personalised car insurance.

How Youi supports the community

  • Youi@hand: Youi supports Red25 to donate blood through the Australian Red Cross, SCAR (Sunshine Coast Animal Refuge) to help abandoned animals become adopted into a new home, and the Compass Institute to empower young people with a disability.
  • YouiVersity: Youi creates diversity in the workplace by intentionally following the principle, “Hire character, train skill.”

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 Written by: TJ Ryan