Yes, if you wish for these drivers to be covered with the same policy Basic Excess you have chosen. If you don’t list these drivers they may still be covered, however in the event of a claim they will be required to pay a Unlisted Driver Excess in addition to the Basic Excess and any other Excesses listed on your Policy Schedule.  This is also subject to any Special Conditions shown on your Policy Schedule where some drivers are specifically excluded or may be subject to an age restriction.

You can decide whether or not you want to list anybody who may drive your car. However if you do not list them, in the event of a claim these drivers will pay an additional Unlisted Driver Excess  in addition to the Basic Excess and any other Excesses listed on your Policy Schedule.  This is also subject to any Special Conditions shown on your Policy Schedule where some drivers are specifically excluded or are subject to an age restriction.

Yes you have to pay the same excess that applies to your car, which is shown on your policy schedule, each time you make a claim for a windscreen. In some cases the cost of a windscreen can be less than the excess and no claim can be made.

When you apply for insurance, you can also choose to pay a higher premium and reduce your windscreen excess to a lower amount. If you purchase this option, you would pay the reduced excess when you have a windscreen claim, and not the same excess that applies to your car. Please read our PDS for full details.

Youi, an APRA regulated entity, has been successfully operating in the Australian general insurance market since 2008.

Youi has grown considerably since this time, both in terms of its employees; employing over 500 dedicated insurance professionals across Australia and also financially; covering hundreds of thousands Australian policyholders.

Youi is a wholly-owned subsidiary of OUTsurance Holdings Limited. OUTsurance is part of the Rand Merchant Insurance Holdings (RMIH) Group and was one of the first direct to consumer insurance companies in South Africa and has been operating for over 10 years. Rand Merchant Insurance Holdings (RMIH) is a JSE listed investment entity with a market capitalisation of AUD $2.6 billion and holds interests in other insurance companies such as OUTsurance, Discovery, MMI Holdings and RMB Structured Insurance (RMB-SI). RMIH focus is to invest in businesses internationally, mainly in the financial services sector.

At Youi we do not insure cars with certain modifications that improve performance or handling. Modifications are all changes from the manufacturer’s specifications, which were made to your car by you or any other person, at any time after the car left the factory where it was built, including changes made by the dealer. Some modifications can be covered by your Youi policy.

 It is very important that you tell us about all modifications made to your car. It may affect your premium and your insurance cover, since cars with certain modifications cannot be covered at all by your Youi policy.

It is also part of your duty of disclosure to tell us immediately when you decide to make modifications to your car, even during the period of cover. If you do not tell us about modifications made to your car, we may reduce or refuse your claim or cancel your policy as permitted by law.

Accessories are extra items added to the car and are broken into two main categories, namely:

1. Factory fitted accessories or options, are extra items added to your car before it was delivered new to its first owner. Factory fitted accessories will only be covered if listed and they are included in the market or agreed value of your car.
2. After-market accessories are any items added to the car by anyone, at any time after it was delivered new to its first owner. After-market accessories will only by covered by your Youi policy if you tell us about them, specify an insured value and they are listed on your policy schedule.

It is very important that you tell us about all accessories fitted to your car. It may affect your premium and your insurance cover, since cars with certain accessories cannot be covered at all by your Youi policy. It is also part of Your duty of disclosure to tell us immediately when you decide to fit any accessories to your car, even during the period of cover. If you do not tell us about accessories fitted to your car, we may reduce or refuse your claim or cancel your policy as permitted by law.

Listed drivers are any persons you tell us may drive your car and are listed on your policy schedule. The benefit of listing drivers is that the basic excess applies to the listed driver if involved in an accident with the insured car.

If you have chosen to insure your car for Business Use, it is covered while it is being used for:

• social, domestic and pleasure purposes; and 
• for driving to and from a permanent, fixed place of work; and 
• in the course of a person's business including trades persons, if the driver is listed and shown on your policy schedule, and holds a full Australian driver's licence.

If your car is used for business purposes while it is covered by us for Private Use only, we may reduce or refuse your claim and cancel your policy as permitted by law. Please read our PDS for full details.

If you have chosen to insure your car for Private Use, it is covered while it is being used for:

• social, domestic and pleasure purposes; and
• driving to and from a permanent, fixed place of work.

Please read our PDS for full details