Youi Car Insurance Background

Youi Car Insurance

The table below shows Youi comprehensive car insurance policies on our database.

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About Youi Car Insurance

Standing for ‘You Insured’, Youi began operations in 2008 but can trace back its origins to 1998 through its sister 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.

Frequently Asked Questions about Youi Car Insurance

At the time of writing, Youi offers the following car insurance policies:

  • Comprehensive — the most extensive form of car insurance cover.
  • Third party fire & theft — covers your car if it’s damaged by fire or stolen, and includes cover provided by third party property damage.
  • Third party property damage — only covers for damage to other people’s car and property.

Youi also offer the above insurance policies for motorcycles, caravans and trailers (such as camper or boat trailers).

If you’re unsure about which kind 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 kinds of car insurance in Australia.

Youi’s comprehensive policy has the usual comprehensive car insurance covers including:

  • Damage to your car from driving accidents
  • Damage to your car from nature such as storms, hail, flood or fire
  • 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 offer optional covers that you can include on top of its comprehensive car insurance policy including choice of repairer and cover for business items.

For more detail on what is and isn’t covered under Youi’s comprehensive car insurance, read the product disclosure statement (PDS).

Although there are no current discounts on offer at the time of writing, Youi does do 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.

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 type of licence and driving 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

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.

Yes, Youi’s comprehensive car insurance policy does include cover for hire cars after accidents, but only when you are not at fault. The policy also includes hire car cover following theft. For both events, Youi will only cover the costs of the hire car up to a certain amount and number of days. For more detail, see your insurance product disclosure statement.

Youi does also offer hire car cover for other insured events as an optional addition you can include in your policy. As the name suggests, this optional cover will provide you with a hire car after an insured event, such as damage due to fire or flooding.

Youi notes that loss or damage to the hire car is not covered under its comprehensive policy.

Youi does allow you to choose a higher or lower standard excess for your insurance policy. You can also change your excess at any time by contacting Youi directly on 1300 249 961.

But remember, generally the higher the excess, the lower the car insurance premiums will be, and vice versa.

Whether it is better to nominate a higher or lower excess for your car insurance policy will depend on your personal circumstances and preferences. If you have a higher excess, your premium costs will typically be lower, but if your excess is low, your premiums will usually be higher.

For example, if you don’t think you’ll be able to pay out the excess when and if you have to make a claim, it might be better to reduce your excess and pay for higher premiums instead.

There are several ways you can lodge a claim with Youi, including claiming online, contact direct by calling 1300 219 438, or request a call from Youi.

Youi recommends having the following information on hand when making a claim:

  • Your policy number
  • A description of what happened, when and where
  • The type and extent of the damage caused
  • Details of anyone else who was involved such as name, address, licence and/or registration number
  • Police incident number if applicable

Youi states that it will provide a notice to you when your current policy expiry approaches.

Youi’s car insurance policies renew automatically unless you have opted out of automatic renewal, or if Youi sent an expiry notice advising that your policy will not be renewed.

If you need to change your bank details at any point, you can do so online, through Youi’s app or contact directly via phone. If you’ve opted out of automatic renewal, you will have to use one of the above methods to renew your policy.

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About the authors

Karen Yang, Content Producer

Karen Yang
Karen is a Content Producer at Canstar, working to help the company produce informative yet easy-to-digest financial content for Australian consumers. Karen has a background in allied health, having completed a Bachelor of Podiatry from the Queensland University of Technology. Karen recently embarked on a second career to rekindle her childhood passion for writing, while still maintaining her earnest intentions from her health professional background — to help the general public. In 2023, she completed a Graduate Certificate in Writing, Editing and Publishing at the University of Queensland. Karen strives to bring a fresh perspective and accurately represent the average consumer. When she’s not honing her writing skills or catching up on the latest world news, you may find Karen obsessing over her next potential mechanical keyboard build. You can connect with Karen via Linkedin.

Joshua Sale, Group Manager, Research & Ratings

Joshua Sale

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Car Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.


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Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.   It’s important you check product information directly with the provider. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD. For more information, read our Detailed Disclosure.

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