Youi Comprehensive Car Insurance Review: Features, Pros & Cons

Founded in 2007, Youi is a popular choice among drivers thanks to its top-tier coverage and high levels of customer service. The insurer is based in Queensland’s Sunshine Coast and employs 2,000 staff. They aim to pick up customer calls “within 30 seconds” and tailor each quote to a person’s circumstances and car usage.

Youi customers can choose between insuring their car at market or agreed value, with roadside assistance automatically included in comprehensive motorcycle and car insurance.

Although Youi is best known for its car insurance, it also offers home and contents, watercraft, business, motorcycle, and ‘greenslip’ insurance, among others.

Youi’s comprehensive car insurance policy covers drivers for accidents, theft, damage to other’s property and natural disasters. The comprehensive car insurance policy can be personalised to suit your own needs, with the inclusions and optional extras outlined below.

Break-ins, Accidents and After-Accident Care

With Youi’s comprehensive car insurance policy, accidental damage to your vehicle is covered, whether by fire, theft, flood, or at-fault accident. This means Youi will cover the costs to replace or repair your car, whether you, someone else or mother nature is responsible for causing the damage.

In the event that your car is undriveable for a period of time, Youi will also provide a hire car if you’re not at-fault.

If an accident or break-down occurs more than 100 kilometres from home and your car is undriveable, Youi will provide emergency accommodation, transport and repairs up to $1,000. Towing of the car to the nearest suitable place after an insured event is also covered.

Theft is covered with Youi comprehensive car insurance, with the contents inside your car covered up to a maximum of $750, with a cap of $150 per item.

Will Youi Replace My Car if it’s Written Off?

Yes, policyholders of Youi’s comprehensive car insurance have a new-for-old car replacement provision in their policy. This means Youi will replace your car for free if it is written off as long as you purchased the car as new or demonstration model, and if it is within the first 24 months from the car’s registration.

Can I Choose My Repairer?

Choice of repairer is not an automatic inclusion with Youi’s comprehensive car insurance, however, customers can elect to pay for the feature as an add-on.

Is Roadside Assistance Included as Standard?

Yes, roadside assistance is included in comprehensive policies via Youi Assist. It is available 24/7.

How To Make a Claim

It is straightforward to make a claim with Youi, which can be completed online via the Youi website. You can also track your claims and update them online through the same portal.

If customers would prefer to make a claim over the phone, you can call Youi’s claim line six days a week. However, this is the same phone line that is used for enquiries. Rather than waiting in a queue, Youi offers its customers a call back service at an allotted time.

Policy holders can opt for optional extras, including paying extra to choose your own repairer and to reduce the excess for your windscreen replacement by increasing your yearly premium.

The policy has a number of exclusions, in which case Youi may refuse the claim:

• Drivers who are unlicensed or suspended;
• Drivers under the influence, or those who refuse drug or alcohol testing;
• If the driver leaves the scene of an accident without a lawful excuse;
• If the car is being driven in a reckless manner, or any deliberate acts;
• If the incorrect fuel has been used; and
• Other exclusions as listed in the PDS.

Youi offers customer service via phone Monday to Friday from 7am to 10:30pm and on Saturday from 7am to 8.30pm.

However, 24/7 emergency roadside assistance is available on 13 11 17 if you break down or are in an accident. Most Youi customers are happy with the level of service they receive, with many policy holders praising the company for easy claims processing, as well as great service.

A potential point of frustration is the process by which Youi issues policy quotes. Most insurers will allow you to answer a few online questions before providing you with your monthly premium, but because Youi tailors its quotes, it follows up the online questionnaire with a phone call. With many of us time-poor these days, this has exhausted the patience of a number of online reviewers, who mentioned needing to restate over the phone information they had already provided online.

With competitors offering fast quotes online, we think Youi could lift its game in this department.

Some car insurance providers may have bonuses and discounts, such as the ‘no claims bonus’ for those who haven’t made a claim in a set number of years, as well as a ‘drive less, pay less’ feature.

At Youi, these discounts are not advertised, but rather factored into the policy holder’s premium.