Youi Car Insurance
The table below shows Youi comprehensive car insurance policies listed on Canstar’s database.
Product information
Promoted
If written off before 24 months old
- Insurance that's a bit more you-shaped.
- Canstar’s 2025 Most Satisfied Customer Car Insurance – NSW, VIC, SA
- Lodge a Claim 24/7 with our Advisors
Showing 1 of 1 results
To see more results adjust the filters above
Included
Not Included
Optional
NANot applicable
Canstar Star Rating
Unsure of a term in the above table?
The initial results in the table above are sorted by Star Rating (High-Low), then Provider Name (Alphabetical). Additional filters may have been applied, see top of table for details. If you interact with the filters, you may see a subset of products. Canstar is not recommending a particular product for you.
About Youi Car Insurance
Standing for ‘You Insured’, Youi began operations in 2008 but can trace back its origins to 1998 through its parent company, OUTsurance.
Youi car insurance is underwritten by Youi Pty Ltd, a wholly owned subsidiary of Youi Holdings Pty Ltd, which is a subsidiary of OUTsurance International Holdings Pty Limited. Youi Pty Ltd is a licensed general insurance company which underwrites its own policies.
What types of car insurance does Youi offer?
At the time of writing, Youi offers the following car insurance policies:
- Comprehensive: the most extensive form of car insurance cover, which provides coverage for damage to your own car, as well as to other people’s vehicles and property. Comprehensive policies are also generally the most expensive form of optional cover.
- Third Party Fire & Theft: covers your own car if it’s damaged by fire or stolen by thieves, as well as provides cover for damage you cause to other people’s vehicles and property.
- Third Party Property Damage: provides coverage for damage you cause to other people’s cars and property. Third Party Property Damage is the most basic and generally cheapest form of optional car insurance.
Youi also offer these types of insurance policies for motorcycles, caravans and trailers (such as camper or boat trailers).
If you’re unsure about which type of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different types of car insurance in Australia.
What does Youi’s comprehensive car insurance cover?
Youi’s comprehensive policy provides the usual comprehensive car insurance coverage including:
- Damage to your car caused by driving related accidents
- Damage to your car from natural disasters such as storms and hail, floods, earthquakes or fires
- Malicious damage to your car, including vandalism and theft
- Towing and storage costs after an insured event
- Personal transport after an insured event where your car could no longer be safely driven
- Loss or damage to contents inside the car as a result of an insured event
- Loss or damage to a baby seat, window tinting, towbar and personalised registration plates as a result of an insured event
- Replacement or recode fees for stolen car keys
- Hire car after theft or not-at-fault accidents
- Unbraked trailer for its market value up to a set amount
- Youi roadside assist.
Youi also offers optional covers that you can include on top of its comprehensive car insurance policy including cover for damaged business items and reduced excess for windscreen claims.
For more detail on what is and isn’t covered under Youi’s comprehensive car insurance, read the Product Disclosure Statement (PDS) or contact Youi directly.
You can also compare different comprehensive car insurance policies using the comparison table above. The table allows you to filter for things such as Star Ratings, providers, features and cover options.
How are Youi car insurance premiums calculated?
There are a variety of factors that may affect the cost of your car insurance premiums. According to Youi, the following factors are considered when calculating your premium quote:
- Your car’s details such as make, model, and condition
- Your details, including the type of licence you have and your driving and claims history
- The address and security of where your car is parked, such as whether it’s undercover or on the street
- What your car is used for (personal or business)
- Any other listed drivers’ details
- The claim’s excess you choose. If you opt for a higher excess, you may receive a lower premium in return. It’s important to keep in mind that you would need to pay that higher excess amount if you needed to make a claim.
Another factor that will contribute to your premiums is the value for which your car is covered for. The more expensive your car is to replace, the higher your premiums will be. With this in mind, whether you choose to insure your vehicle for its market value or an agreed value will also affect your insurance premium.
Does Youi offer discounts for its car insurance?
Although there are no current discounts on offer at the time of writing, Youi may have discounts and special offers from time to time.
Youi advises that if any discounts or special offers are available, the details will be on its website, including the terms and conditions and eligibility criteria.
Frequently Asked Questions about Youi Car Insurance
Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
Alasdair Duncan is Canstar’s Content Editor, specialising in car insurance and other general insurance topics as well as home loans and broader finance topics. He has written more than 500 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo Finance, The New Daily, The Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au. In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland, and has completed a RG146 compliance training course. When he is not writing about car insurance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music. You can follow Alasdair on LinkedIn.
Josh Sale leads the team responsible for developing and delivering Canstar’s Car Insurance Star Ratings and Awards, helping consumers navigate the complex world of insurance with confidence. With a degree in economics and finance, a masters degree in data science, and almost a decade of experience at Canstar, Josh has played a pivotal role in shaping the transparent, data-driven methodologies behind Canstar’s comparisons.
In 2019, he spearheaded the launch of Canstar’s Most Satisfied Customer Awards for Car Insurance, recognising providers that excel in customer satisfaction – a valuable complement to Canstar’s expert-led Star Ratings. Josh sits on the Canstar Star Ratings Committee and collaborates closely with the insurance industry to ensure ratings reflect evolving consumer needs and market dynamics.
A regular media spokesperson, Josh has provided expert commentary to The Australian Financial Review, Money Magazine, news.com.au, and other national outlets. He also holds the RG146 Tier 2 General Insurance qualification, equipping him to offer general advice on insurance products with confidence and accuracy.
Driven by a passion for consumer empowerment, Josh is dedicated to helping Australians make better financial decisions by cutting through the complexity and spotlighting the real differences between providers.
Important Information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.