| | Third Party Property Damage | ThirdParty, Fire and Theft | Comprehensive |
| Buy Insurance online 24/7
No need to wait in long call queues when you need insurance. You can obtain a quotation and set up a policy 24 hours a day, 7 days a week.
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| Manage Policy online 24/7
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.
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| Full refund in cooling-off period
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.
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| Paperless Application Process
No need to complete any paperwork. You can get a quote, buy a policy and even make changes to your policy online.
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| Automatic Policy Renewal
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. *
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| $20 million liability cover
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.*
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| Your Legal Costs
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.*
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| NO Policy Administration Fees
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.
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| NO Debit Order Fees
We never charge any fee for direct debits or even credit card payments. The total cost we quote you is all you will pay.
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| Monthly Payments Available
You can choose to pay your premium by 12 equal monthly instalments.
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| Quarterly Payments Available
You can choose to pay your premium by 4 equal quarterly instalments.
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| Annual Payment Available
You can choose to pay your premium by 1 annual payment.
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| No Complicated Excesses
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.*
Note: Youi incorporates an unlisted driver excess on all policies, please read our PDS and your policy schedule for full details.
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| Online Claims Notification
No need to call us when you want to claim. Just log onto our secure website and report your claim online.
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| Paperless Claims Systems
No need to complete any claims forms. At Youi you can submit your claim online.
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| Guaranteed Car Repairs
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.
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| Limited Uninsured Motorist Cover
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.*
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| Fire Damage to your Car
We cover your car for fire.*
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| Theft of your Car
We cover your car for theft, or damage caused by attempted theft of the car.*
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| Emergency Accommodation or Transport or Repairs
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.*
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| Towing and Storage of your Car
We will pay the reasonable cost of towing and storage of your car after an insured event.*
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| Contents Inside Your Car
We will replace contents inside your car where loss or damage to the contents occurs as a result of an insured event.*
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| Personalised Registration Plates
We will replace personalised registration plate(s) on the insured car where loss or damage to the plate(s) occurs as a result of an insured event.
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New Car Replacement
If you car is assessed by us as a total loss within the first 24 months from when it was first registered, we may choose to either replace it with; or pay the replacement cost of; an identical car subject to availability , if:
- Your car was bought new and registered in your name as the first owner; and
- At the date of loss your car has not travelled more than;
- 25, 000 kilometres since it was first registered if it is less than 12 months old; or
- 40, 000 kilometres since it was first registered if it is between 12 and 24 months old.
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| Baby Seat Replacement
We will replace baby seat(s) that are usually installed in the insured car where loss or damage to the baby seat(s) occurs as a result of an insured event.*
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| Window Tinting
If your car windows are tinted and damaged in an insured event, the tinting will automatically be covered and does not need to be listed as an accessory on your policy.*
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| Accident Damage to your Car
We cover you against an unforeseen, unintended, and unexpected event, which occurs suddenly and at a definite place. *
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| Storm & Flood Damage to your Car
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.*
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| Immediate Replacement Car Cover
If the insured car is traded in during the course of purchasing a replacements car, cover under the policy is extended to the replacement car for up to 14 days after the purchase of that car.
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| Hire Car Costs Following a Theft
The hire car benefit will be automatically included if the insured event is theft.*
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| Hire Car After Events Other Than Theft
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.*
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| Reduced Windscreen Excess
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.*
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| *Disclaimer: This product comparison summary is not intended to replace or in any way vary our Product Disclosure Statement. Please read the entire Product Disclosure Statement for details of features and limitations. |