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Award-winning
At Youi, we don’t do cookie-cutter car insurance. We believe you should get the cover that suits how you use your car. So we listen and ask the right questions to provide car insurance that works for you. It’s why we've won Finder’s Most Satisfied Car Insurance Customers for 2023.
Try us today and see why we’ve won Finder’s Most Satisfied Car Insurance Customers for 2023.
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AWARD-WINNING INSURANCEFinder Best Car Insurance Features
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4.5/5
- Overview
- Types of cover
- Extra cover
- Cover in your state
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Why choose Youi car insurance?
Great value car insurance goes beyond just a good price. It’s about the inclusions and extras that come with it too.
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Roadside assistance
With our 24/7 roadside assistance, we’re there to help you and your loved ones if your car breaks down. Some limits and fees apply.1
Roadside Assistance
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Repair guarantee for peace of mind
If you ever need to make a claim, we’ll guarantee the quality of all repairs for as long as you own the vehicle.9
Claiming with us
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Quick pick-up times
On average, we answer phone calls in under 30 seconds. Who doesn’t love great customer service with shorter wait times and no bad hold music?2
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We’re an insurer that’s unique, just like you
We take the time to understand how you use your vehicle, so you can be confident you’re choosing the car insurance that suits your situation.
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What type of cover does Youi offer?
Choosing the right car insurance policy can be tricky, but we make it easier by being totally upfront about what is (and isn’t) included in each of our levels of cover.
Comprehensive Car Insurance
Want the top level of cover for your car? Then our Comprehensive insurance is for you. This type of car insurance has you covered for accidents, most severe weather events, fires, theft and damage to someone else’s property.
- Roadside assistance included as standard. Some limits and fees apply.1
- If your brand new car is a total loss within 2 years of it first being registered, we will replace it or pay you the replacement cost.3
- Up to 14 days of car hire if your car is stolen.4
Comprehensive
Third Party Fire & Theft
Our Third Party Fire & Theft car insurance can provide cover if your car is stolen, damaged by fire, or causes damage to someone else’s car or property. Here are some inclusions for events insured under this cover.
- Up to 14 days of car hire included after a theft or attempted theft.4
- Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.5
- Combined costs for emergency transport, repairs and accommodation reimbursed up to $1,000 if you’re more than 100km from home and can no longer safely drive the car after an insured event.6
Third Party Property Only
If you get into an accident and your car causes damage to someone else’s car or property, if we approve your claim, our Third Party Property Only car insurance has you covered.
- After you’ve paid your excess, up to $5,000 cover against uninsured third parties if the third party was completely at fault for the incident and you provide the required details.7
- Legal liability up to $20 million.8
- Up to $1,500 per person for counselling services for you, listed drivers and household members after an insured event.8
Third Party Property Only
Comprehensive Car Insurance
Want the top level of cover for your car? Then our Comprehensive insurance is for you. This type of car insurance has you covered for accidents, most severe weather events, fires, theft and damage to someone else’s property.
- Roadside assistance included as standard. Some limits and fees apply.1
- If your brand new car is a total loss within 2 years of it first being registered, we will replace it or pay you the replacement cost.3
- Up to 14 days of car hire if your car is stolen.4
Comprehensive
Third Party Fire & Theft
Our Third Party Fire & Theft car insurance can provide cover if your car is stolen, damaged by fire, or causes damage to someone else’s car or property. Here are some inclusions for events insured under this cover.
- Up to 14 days of car hire included after a theft or attempted theft.4
- Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.5
- Combined costs for emergency transport, repairs and accommodation reimbursed up to $1,000 if you’re more than 100km from home and can no longer safely drive the car after an insured event.6
Third Party Property Only
If you get into an accident and your car causes damage to someone else’s car or property, if we approve your claim, our Third Party Property Only car insurance has you covered.
- After you’ve paid your excess, up to $5,000 cover against uninsured third parties if the third party was completely at fault for the incident and you provide the required details.7
- Legal liability up to $20 million.8
- Up to $1,500 per person for counselling services for you, listed drivers and household members after an insured event.8
Third Party Property Only
Looking for CTP insurance? We do that too.
NSW CTP Green SlipSA CTP
Compare car insurance policies.
We like to make it easy for you to see what’s on offer in our Comprehensive, , and Third Party Property Only car insurance policies.
Comprehensive
Third Party Fire & Theft
Third Party Property Only
Accidental damage
Accidents happen. So don't stress when they do, and know your car is covered for accidental damage caused by you or someone else.
Intentional damage
Not all damage is accidental. So if someone intentionally damages your car, that’s covered as well.
Storm or flood
We’ll provide cover for accidental damage to the car caused by a storm or flood.
Fire
If your car is damaged by fire, we'll cover the cost to replace or repair it.
Theft
If someone steals your car, or tries to and causes damage to the vehicle, we'll cover the cost to replace or repair it.
Earthquake
As rare as they are here in Aus, earthquakes can still hit and cause major carnage at times. So your car will be covered if it’s damaged.
Legal liability
If your car accidentally causes damage to another person’s property, we’ve got you covered for up to $20 million in legal liability costs.
Towing costs
Cover includes the reasonable cost of towing and storage of the car to a suitable place for safekeeping nearest to the incident location after an insured event.
Personal transport
If your car is not safe to drive after an insured event, we'll reimburse up to $100 for personal transport from the scene of the incident, to and from the car’s repairer, or to and from a hire car provider.
Emergency accommodation, transport and repairs
If your car is in an insured event and isn’t safe to drive, and you're more than 100km from home, we’ll reimburse up to $1,000 for your emergency accommodation, transport or repairs.
Hire car following theft
We’ll pay for the reasonable cost of a hire car for up to 14 days after theft or attempted theft.
Hire car following a not at fault accident
If you're the not-at-fault driver in an accident that causes loss or damage to your vehicle, we'll organise and/or cover the costs of a suitable hire car that will meet your requirements, to help you get around. Conditions apply- see the PDS for details.
Hire car for other insured events
If you have a Comprehensive or Third Party Fire & Theft policy, you can choose to add the option to get a hire car for up to 14 days for all other insured events. Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.
Locks and keys
If your car keys are stolen, we will cover the cost up to $1,000 to replace or recode the car’s locks and keys.
Additions to the car
We’ll replace the following items that are on or in the car should they be damaged as a result of an insured event:
• Baby seat/s
• Personalised registration plates
• Towbar
• Window tinting.
Contents inside the car
It’s not just your car we’ve got covered in the event of an insured event; we’ll look after your contents inside the car too, with up to $150 per item and up to $750 in total.
Unbraked trailer
Your unbraked trailer will be covered for its market value up to $1,500 if it’s damaged as a result of an insured event.
Temporary replacement cover
After you’ve sold or traded in your current vehicle, we will insure your replacement car for up to 14 days after the purchase if the replacement car is bought for less than $100,000 for Comprehensive and Third Party Fire and Theft policies.
Counselling services
We’ll help look after your mental health too, with up to $1,500 per person – including you, listed drivers and household members – towards the cost of counselling sessions needed after an incident where a claim has been accepted.
Funeral expenses
If a driver of your car sustains a fatal injury as a result of an accident while driving the car with your permission, we will pay $5,000 per contract period to the deceased driver's estate for the purposes of meeting expenses incidental to a funeral, burial or cremation.
Youi Assist - Roadside
From a flat tyre or a flat battery, to no fuel or the car just won't go. Our roadside assistance will be there to help you and your loved ones out of trouble 24/7. Some limits and restrictions apply – see details in the PDS.1
Business items
If your business items are stolen from a locked boot or lockable compartment, or damaged as a result of an insured event, we’ve got you covered. With our optional car insurance for theft protection, we’ll pay the costs of replacing each item up to $400, with a maximum amount of $2,000 per claim.
Note:this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.
Campervan/motorhome contents
If your car is a campervan or motorhome, we'll cover the contents inside up to $1,000 if loss or damage has occurred due to an insured event. The most we will pay for each claim is noted on your policy schedule.
Note:this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.
Choice of repairer
This option allows you to choose a repairer outside of our extensive repairer network. However if you don’t select this option, we’ll manage the repair process from start to finish for you using one of our trusted repairers nationwide. All repairs we authorise come with a lifetime guarantee on workmanship for as long as you own the car.
Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.
Covered
Optional
Not Covered
Need a little more cover? Have a look at our options.
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard car insurance policy inclusions, we offer a suite of optional covers. Not all options are available in all circ*mstances, just ask us and we will see if we can help.
Optional hire car for Other Insured Events
Not being able to drive your car for a while can be a hassle. Add this optional extra onto your Comprehensive or Third Party Fire & Theft policy to get a hire car for up to 14 days for a range of other insured events (even if you’re at fault).11
Your choice of repairer
While we have an extensive network of repairers, you can also choose your own. Just let us know if you want to be able to select who fixes your car if you ever need to make a claim.10
Campervan/motorhome contents upgrade
If your car is a campervan or motorhome, choose this optional extra with your Comprehensive or Third Party Fire & Theft policy to cover the contents inside up to $1,000 per item if they’re lost or damaged in an insured event.10
Lost or damaged business items
Choose to add business items onto your Comprehensive or Third Party Fire & Theft policy and get covered for up to $400 per item and $2,000 per claim if they’re lost or damaged as a result of an insured event.10
Reduced excess for windscreens
Chipped and broken glass can be a hassle, and costly to repair. We offer reduced excess for claims that solely involve windscreen, window glass or sunroof glass.10
Optional hire car for Other Insured Events
Not being able to drive your car for a while can be a hassle. Add this optional extra onto your Comprehensive or Third Party Fire & Theft policy to get a hire car for up to 14 days for a range of other insured events (even if you’re at fault).11
Your choice of repairer
While we have an extensive network of repairers, you can also choose your own. Just let us know if you want to be able to select who fixes your car if you ever need to make a claim.10
Campervan/motorhome contents upgrade
If your car is a campervan or motorhome, choose this optional extra with your Comprehensive or Third Party Fire & Theft policy to cover the contents inside up to $1,000 per item if they’re lost or damaged in an insured event.10
Lost or damaged business items
Choose to add business items onto your Comprehensive or Third Party Fire & Theft policy and get covered for up to $400 per item and $2,000 per claim if they’re lost or damaged as a result of an insured event.10
Reduced excess for windscreens
Chipped and broken glass can be a hassle, and costly to repair. We offer reduced excess for claims that solely involve windscreen, window glass or sunroof glass.10
What you’ll need to get a car insurance quote.
Your car's details
We’ll need to know the make, model, value, condition, year and colour of your car to make sure your policy and premium are accurate.
What you use the car for
Is your pride and joy used for business or pleasure? Let us know as this can affect your premium.
Contact and driving details
We’ll need some basic contact info, including your type of licence, as well as some details about your driving history.
Other drivers’ details
If other people will be driving your car, you can add them as listed drivers by providing info such as their name and driving history.
Where your car is usually parked
You should let us know whether you park your car on the street, in a carport, in a garage or at another location as this could also affect your insurance premium.
Your car's details
We’ll need to know the make, model, value, condition, year and colour of your car to make sure your policy and premium are accurate.
What you use the car for
Is your pride and joy used for business or pleasure? Let us know as this can affect your premium.
Contact and driving details
We’ll need some basic contact info, including your type of licence, as well as some details about your driving history.
Other drivers’ details
If other people will be driving your car, you can add them as listed drivers by providing info such as their name and driving history.
Where your car is usually parked
You should let us know whether you park your car on the street, in a carport, in a garage or at another location as this could also affect your insurance premium.
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Find out what cover we offer in your state.
Select your state or territory to learn about the type of car insurance cover we offer where you live.
- Queensland
- New South Wales
- Victoria
- South Australia
- Western Australia
- Australian Capital Territory
- Tasmania
Youi car insurance is focused on you.
Take a look at the thousands of reviews from everyday Australians just like you who trust Youi to get them back on the road. Start a quote online today.
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4.0/5
Based on 7,000+ reviews
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3.8/5
Based on 1,500+ reviews
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Cover to suit your circ*mstances.
How, what and where you drive is unique. That’s why we provide car insurance options for you to choose from – to suit different types of cars and different lifestyles.
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Need 4WD insurance?
We’ve got cover that protects a range of vehicles, including four-wheel-drives, on the daily commute and the bigger adventures.
4WD insurance
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Looking for business car insurance?
If you’re out on the road for business, we can help cover your car as you go about your work.
Business car insurance
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How about seniors car insurance?
We’ve got a range of car insurance covers suitable for young and old drivers. See if we’ve got one that’s right for you.
Seniors car insurance
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Find insurance for your car.
Choose your car’s make and model and we’ll provide you with some useful information about it. You might be surprised.
- Alfa Romeo
- Audi
- BMW
- BYD
- Chery
- Chevrolet
- Chrysler
- Citroen
- CUPRA
- Dodge
- Fiat
- Ford
- Genesis
- Great Wall
- HAVAL
- Holden
- Honda
- Hyundai
- Isuzu
- Jaguar
- Jeep
- Kia
- Land Rover
- LDV
- Lexus
- Mazda
- Mercedes-Benz
- M.G.
- Mini
- Mitsubishi
- Nissan
- Opel
- Peugeot
- POLESTAR
- Porsche
- RAM
- Range Rover
- Renault
- Skoda
- Ssangyong
- Subaru
- Suzuki
- Tesla
- Toyota
- Volkswagen
- Volvo
Browse all makes and models
Youi car insurance FAQs
You’ve got the car insurance policy questions, and we’ve got the answers.
View the PDSCar Insurance Terminology
What's the cheapest (or the most basic) car insurance from Youi I can get?
Our Third Party Property Only car insurance is the most basic level of cover we offer at Youi. This car insurance policy covers you in the event you cause damage to someone else’s car or other property, and also includes:
- After you’ve paid your excess, up to $5,000 cover against uninsured third parties if the third party was completely at fault for the incident and you provide the required details.7
- Legal liability up to $20 million.8
- Up to $1,500 per person for counselling services for you, listed drivers and household members after an insured event.8
How do I know which car insurance to buy?
We know that your car and the way you use it is unique, so it’s worth you considering your circ*mstances when looking at car insurance.
With this in mind, we’ve created our Comprehensive, and Third Party Property Only car insurance covers. We also offer NSW CTP and SA CTP insurance.
Choosing which car insurance to buy can be complicated, so we’ve tried to make it as simple as possible. Check out our different types of cover to get a better understanding of what’s on offer.
How can insurance be cheaper?
The main thing you can do is to increase your basic excess. You may be offered the option to select your basic excess amount. A higher basic excess could mean a reduction in your insurance premium.
What makes car insurance go up?
There are certain factors that could increase the cost of your car insurance policy. Some of these factors include:
- Your car. Certain types of cars are more expensive to insure.
- Your driving habits. This includes your driving history and how much time you spend driving.
- Other drivers’ habits. The driving history of other drivers added to your cover may impact the cost of your policy.
- Where you live. The suburb you live in could impact the cost of your premium.
- Where you park your car. Park your car on the street? In a carport? In a locked garage? Where you park is a factor taken into account when calculating your insurance cost.
What cover can I choose from?
At Youi, we offer a number of car insurance options for you to choose from.
Comprehensive Cover
Covers loss or damage to the car for insured events as well as your liability for any damage caused by the car to a third party's property.
Third Party, Fire and Theft
Covers your car for loss or damage caused by fire, theft or attempted theft. There is also liability cover for any loss or damage caused by the car to a third party's property.
Third Party Property Only
Covers liability for loss or damage caused by the car to a third party's property.
We also offer NSW CTP insurance and SA CTP insurance for people who live in those states.
What will my insurance cost?
The cost of car insurance in Australia is variable based on a wide range of circ*mstances, including you, your car and the level of cover you choose.
As you would expect, Comprehensive cover will cost more, but it provides you with more benefits and covers a wider range of situations. You can also ask us about adding optional extras, which can provide additional cover but usually increase the cost of your premium.
Your car, age, driving habits, where you live, and where you park your car may also impact how much your insurance costs.
How does excess work?
When you lodge an insurance claim with us, you're usually required to pay an excess. There are different types of excesses that may apply to your claim and these will appear on your policy schedule.
Basic Excess
The basic excess is the amount you must pay in relation to each and every claim made under your policy. You may get the option to select the amount of your basic excess, which will be shown on your policy schedule. Where the incident is completely the fault of a third party that you can provide their full name and two of either their phone number, address, driver’s licence number, or the registration number of their vehicle that was involved in the incident, we will waive payment of the basic excess.
Additional Excess
We may require an additional excess to be paid in certain circ*mstances under your policy. The exact situations where this would apply and the amount of the additional excess will be shown on your policy schedule.
Driver specific excess
If we accept your claim for an insured incident covered by your policy where the car was driven with your or a listed driver’s permission, or by any person who meets the criteria set out in the excesses section of your policy schedule, a driver specific excess becomes payable. This could include, for example, unlisted drivers (i.e. drivers not noted as a regular or listed driver) or young drivers (whether or not they are noted as a regular or listed driver). The criteria for the driver specific excess and amount of this excess will be shown on your policy schedule.
Where they are applicable, the driver specific excess amounts will be added to any other excess amount that may apply to the claim. These excesses will not apply when the car is being driven by a service provider.
For some cars, we may restrict cover to the listed drivers and the regular driver only. If cover is restricted in this way, there is no cover for any other driver, irrespective of excesses, and it will be clearly shown in the special conditions section of your policy schedule.
Reduced basic excess for windscreen claims
You may be given the choice to pay extra premium to reduce the basic excess that applies to claims that solely involve your windscreen, sunroof or window glass. The excess that will apply to windscreen claims will be shown on your policy schedule.10
One Excess
If you make a claim for the same incident on more than one Youi policy, you’ll only need to pay one excess. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies.
When should I switch car insurance?
It’s up to you, but depending on your circ*mstances, any time can be a good time to switch insurers, especially if it means being in better hands, saving more money or getting better value from your policy. At Youi, it could mean all three. Get a quote with us anytime to see if the time is right for you to make the switch.
How to switch
Who can drive my car?
At Youi, we categorise the people who can drive your car in the following ways:
Regular Driver
The person who drives the car most often or more than anyone else and is noted as the regular driver on your policy schedule.
Listed Drivers
The people who are legally allowed to drive your car, and are noted as listed as drivers on your policy schedule. The regular driver is also a listed driver.
Unlisted Drivers
Unlisted drivers are people who have permission from you or your listed drivers and are legally allowed to drive your car but are not listed as drivers on the policy. If you decide not to list a driver, we may require an additional unlisted driver excess in the event of a claim under your policy. For some cars, we may restrict cover to the regular and listed drivers only, irrespective of excesses – this will be clearly shown as a special condition on your policy schedule.
There are other people who could drive your car and, depending on whether or not they are listed on your policy, an additional excess may apply. Other drivers include:
Test Driving
There are quite a few conditions around this in the PDS, but generally, you are covered as long as you take all reasonable steps to make sure that the car is safe, including going with the prospective buyer if a test drive is required, and taking a copy of the front and back of the person’s driver’s licence.
What amount will my car be insured for?
You can choose between insuring your car for market or agreed value when you have a Comprehensive or Third Party, Fire & Theft insurance policy with us.
Market Value:
Market value means the reasonable and expected cost of replacing the car with a car of the same or a similar make, model, mileage, and condition, immediately before an incident covered by your policy. Market value includes any factory fitted accessories. Market value does not include any warranty costs, future stamp duty, transfer fees, or allowance for dealer profit.
Agreed Value:
A specific amount we agree to insure for at the time of loss, which is shown on your policy schedule. This includes any accessories and modifications fitted or made to the car, unless they are disability or campervan/motorhome modifications. The agreed value is noted on your policy schedule.
Do you cover modified cars?
Sometimes. Under our Comprehensive and Third Party Fire & Theft policies, we may insure cars that have been legally modified to improve performance or handling, provided you tell us about them and we agree on any specific amounts that are applicable. Examples of legal modifications we may cover include:
- Suspension (raised or lowered)
- Engine (replacement, tuning, turbo, etc.)
- Exhaust
- Disability modifications such as lifts and ramps
We also may cover the following additions to your car: baby seats, personalised plates, towbars and window tinting.
Do you need to know if I use my car as part of my work?
We need to know how the car is used and categorise the use as follows:
Private Use
This means a car that is used for social, domestic and pleasure purposes, including driving to or from your or a listed driver’s regular place of work or study.
Business use
If your car is used as an essential part of any work or business, or is used to generate income or reward, we may also be able to offer you cover. We will ask you about the way you use your car during the quote.
Can I make changes to my policy online?
You can securely log in online to view and manage your policies, update contact details, make a claim and track a claim linked to your policy at any time on our website by clicking ‘Login’.
What sort of licences does Youi accept?
We accept any current driver's licence, including an international licence, provided it is recognised by Australian law as valid.
Does Youi offer CTP Green Slip insurance?
Youi offers CTP Green Slip insurance cover in NSW only. To register your vehicle in NSW, you'll need to have CTP Green Slip Insurance, and you can choose who you purchase your CTP Insurance from.
View the PDSCar Insurance Terminology
Guides
We’ve put together the following articles to help you navigate your car insurance needs and answer some commonly-asked questions.
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Articles and Guides.
10 Warning Signs of Steering Problems
Unlike some mechanical problems, steering problems generally give you plenty of warning that something is wrong, and the warning signs persist until the problem is fixed or the system fails.
December 29, 2014
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What Happens When Someone Without Insurance Hits Your Car
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Useful links
- Start a quote
- Insurance for your make
- Roadside assistance
- Glossary of terms
- How to switch
- Car insurance calculator
Excellent
Youi car insurance customers rate their experience with us a 4.5out of 5. Take a look at some of their great reviews on Trustpilot.
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4.5 / 5 from over 14,775 reviews.
22 Nov 2023
Quick, Simple & Easy
The operator who handled my application was friendly, knowledgeable and very efficient making the process quite pleasant!
Shane
15 Nov 2023
Wow how amazing are Youi
Amazing service and just as amazing saving. Couldn’t be happier.
Mat
08 Nov 2023
Absolutely wonderful customer service
Absolutely wonderful customer service. I'm very happy with the prices charged and saving money on my premium.
Frances
06 Nov 2023
Youi made it easy
Youi made the whole process of changing over insurance company very very easyStaff were very polite professional and keen to helpMy experience over the phone with Youi was a pleasant one
Leanne
31 Oct 2023
Friendly
Friendly, real customer service that actually understands your needs. Cheaper insurance policies than competitors.
Leah
27 Oct 2023
Amazing customer service and a pleasure to talk to.
The policy price and add on's were a great part of it but honestly the care that your team member took to understand my unique situation was the biggest highlight, he was a pleasure to talk to.
Kyle
Disclaimers
1 Available with Comprehensive policies. For more details, see the .
2 Based on averages for call times to Customer Services between 01/10/2022 and 30/09/2023, excluding calls to 13 11 17 and Youi Roadside Assist.
3 If your car is a total loss from an insured event within 24 months of it being first registered, we’ll replace it with a new one or pay the equivalent replacement cost.
4 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
5 Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS.
6 If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
7 Available for Third Party Fire & Theft and Third Party Property Only policies. For more details, see the PDS.
8 Available with all levels of car insurance except CTP. For more details, see thePDS.
9 Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item.
10 An additional cost applies and is available with Comprehensive and Third Party Fire & Theft policies. For business items, additional restrictions apply. For more details, see the PDS.
11 Hire car is included for theft and not-at-fault accidents under Comprehensive policies and for theft under Third Party Fire & Theft policies. Hire car for other insured events is an optional cover which incurs additional fees. For more details, see the PDS.