Car Guide

No need to wait in long call queues when you need to change your insurance. You can add to or make changes to your Youi policy online, 24 hours a day, 7 days a week.

You may cancel your Youi policy at any time during the first 20 days from the purchase date, and we will refund your payment in full, provided a claim has not been made under your policy.

No need to complete any paperwork. You can get a quote, buy a policy and even make changes to your policy online.

We will automatically renew your policy and continue to debit your premium from the payment account you gave us, unless you contact us and advise us not to renew your policy. *

We will pay up to $20,000,000 for your legal liability for all claims arising from one event for damage to third party property caused by the use of your car.*

We will pay the reasonable legal costs incurred by us on your behalf, if you are legally liable for loss or damage to third party property and your liability arose from an insured event.*

We never charge any administration fees for issuing, maintaining or changing your policy. You do it all yourself online and we pass those savings directly on to you.

We never charge any fee for direct debits or even credit card payments. The total cost we quote you is all you will pay.

You can choose to pay your premium by 12 equal monthly instalments.

You can choose to pay your premium by 4 equal quarterly instalments.

You can choose to pay your premium by 1 annual payment.

We charge the exact same excess for all the listed drivers on your policy. There are no complicated excesses that rely on the age of the driver, the type of licence they hold or the number of years they have been driving.*

No need to call us when you want to claim. Just log onto our secure website and report your claim online.

No need to complete any claims forms. At Youi you can submit your claim online.

If we choose and instruct a repairer to repair your car, we guarantee the quality of the workmanship and materials of those repairs, for as long as you own your car.

We will pay up to $3,000 or the market value of your car, whichever is the lesser, for accidental damage to your car, if there was an uninsured third party vehicle involved and if:
the damage to your car is more than the total excess you have to pay; and
we agree that the third party was completely to blame for the accident; and
you provide us with the third party’s full name, residential address and vehicle registration number; and
you have reported the incident to the police and provide us with a police incident number.*

We cover your car for fire.*

We cover your car for theft, or damage caused by attempted theft of the car.*

We will pay the reasonable cost of emergency accommodation or transport, or emergency repairs to your car, after an insured event which occurred more than 100 kilometres from your home, and where you could no longer safely drive your car. We will not arrange emergency accommodation, transport or repairs on your behalf but will reimburse you for costs incurred. The most we will pay is $100 per day up to a total of $300 per claim.*

We will pay the reasonable cost of towing and storage of your car after an insured event.*

If your car is regarded by us as a total loss within the first 12 months from when it was first registered, we will replace it with an identical car subject to availability, if:
your car was bought new and registered in your name as the first owner; and
your car has not travelled more than 25,000 kilometres since new.

We cover you against an unforeseen, unintended, and unexpected event, which occurs suddenly and at a definite place. *

We cover your car for flood, which means when usually dry land is covered by water escaping or overflowing from a natural or manmade waterway, stream, river, canal, reservoir, dam, lake, channel, storm water drain or water catchment system. We also cover your car for Storm, which means a violent atmospheric event which includes a thunderstorm, cyclone, or strong wind with or without rainstorm, hailstorm or snowstorm, but not rain showers alone.*

We will pay the reasonable cost up to the limits shown on your policy schedule, of a hire car that we arrange for you after an insured event, if you have paid extra premium and it is shown on your policy schedule.*

You can choose to reduce your windscreen excess to only $50 by paying a little extra premium. That means that you do not pay the car excess if you claim for any damaged window glass on your car.*