No, you do not need to list all household members. In fact you do not need to list any other drivers; there is an unlisted driver excess applicable if an unlisted driver is involved in accident while driving your car. If you list any drivers the additional excess falls away and only the basic excess is payable.

You can decide whether or not you want to list people who drive your car. If you do not list them however, they will pay an additional excess on top of your selected basic excess, in the event of a claim.

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.

We insure cars that have been modified to improve performance or handling.

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

This product is issued by Youi Pty Ltd (ABN 79 123 074 733; AFSL 316511), an Australian Financial Services Licencee authorised to deal in and provide advice in relation to general insurance products.

A car is sometimes driven by numerous persons on different occasions. One driver will however use the car more often than the others. You must choose as the regular driver, the person who drives the car more than anyone else or most of the time. It is very important that you select the correct person as the regular driver of your car. It will affect your premium and the insurance cover as some drivers will not be covered for driving certain car models. It is also part of Your duty of disclosure to tell us immediately when the regular driver changes, even during the period of cover. If you supply the incorrect regular driver or fail to tell us when the regular driver changes, we may reduce or refuse your claim or cancel your policy as permitted by law.