About Youi - Get to know us

We love getting to know you better, but we know it works both ways. Now it's your turn to learn a little more about us.

It's all in the name.

You could have a lot of fun guessing what Youi stands for, but in the interest of time, we'll tell you: Youi stands for You Insured.

There's nothing abstract about it. You are at the centre of our brand. We've built everything from our name to our products around you and your needs. So now, when you think of us, hopefully you'll get that nice warm feeling that comes with knowing you are insured.

Jeep driving down a motorway near the ocean and a busy town
An individual surfing in the white water and a man in a suit getting into his car

We're unique.

We don't believe in doing things the same as everyone else does - not when it comes to selling insurance, and not when it comes to hiring our crew. What makes us unique are the people we employ and the people we insure. We recruit people with different skill sets, perspectives and experiences. We insure people who live in all sorts of different houses and who drive all sorts of different cars in all sorts of different ways. Because at the end of the day, what makes us unique, is you.

We're hands on.

We love where we live and the people who live here. So when it comes to helping our community, we like to get hands on to really make a difference. 

There are over 2000 of us working here at Youi - that's a lot of hands. To make the most of them, we've created a program called Youi@Hand. It allows us to help make a lasting change in our local communities by giving up our time to get stuck in where it matters.

We get our hands dirty planting trees. We roll up our sleeves to donate blood. We get our arms drenched washing cars. We get our hearts full from seeing the smiles on everyone's faces, and then we do it all over again. 

Donating Blood


Red25 was set up by the Australian Red Cross for groups and organisations to donate blood. It’s built on the concept that together we can achieve so much more.

Dog at refuge


The Sunshine Coast Animal Refuge (SCAR) provides temporary refuge and finds new homes for abandoned, abused and unwanted cats and dogs.

Youi helpers


The Compass Institute is dedicated to providing real futures for young people with a disability by assisting them in ‘Mastering the Art of Life’.

Most asked

We treat all of our customer feedback seriously. If you would like to provide us with any feedback, please contact us. If you have a complaint, our focus is on resolving the matter for you as quickly as possible. If you are not happy with our resolution, you can refer the matter to our Internal Dispute Resolution Service.

If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority:

Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

Youi has been operating in Australia after being authorised by the Australian Prudential Regulation Authority (APRA) and receiving its Australian Financial Services Licence (AFSL) from ASIC on 01 March 2008. However, the company can trace its origins back to 1998 through its sister company, OUTsurance.

Our office is located at 2 Smart Drive, Sippy Downs, Queensland.
Call13 YOUI (9684)
Fax: +61 7 5443 8106
Post: PO Box 849, Buddina, Queensland 4575

Any quotes, claims information and policy documents will emailed to you therefore we require for the email address to be valid.

We also recommend that you add Youi to your contacts list so that your emails are received. If you are unable to locate an email we have sent you, please check the junk/spam section of your email. For Gmail users, try looking under the promotions tab.

We email all documents to you including quotes, policy and claims.

We also recommend that you add Youi to your contacts list so that your emails are received.  If you are unable to locate an email we have sent you, please check the junk/spam section of your email.  For Gmail users, try looking under the promotions tab.

These documents are always sent to you:
• Product Disclosure Statement (PDS)
• Policy Schedule

Also available to you on request are:
• Tax Invoice
• Certificate of Currency

You can download these from our website or call us and we will email them to you.

When you first take out a policy with us we will supply you with your policy documentation.  

If you require them, we can also provide:

  • Certificate of Currency 
  • Tax Invoice 
  • Policy Schedule

When you take out cover with us, part of the agreement is that you will make payment on the due date/s.  These dates will be noted on the policy schedule.


Payment Method  
We take payment via direct debits from a savings and cheque account as well as nominated credit cards.

Payment Frequency
You can pay your premium by one annual lump sum or by 12 monthly instalments. 

Our policies normally renew automatically, however if you prefer you can call us to opt out of automatic renewal. We will send your renewal offer to you about four weeks before your current policy ends and continue to debit the premium on the renewed policy using your payment details unless you have opted out of automatic renewal. If you have opted out of automatic renewal you will need to contact us to accept your renewal offer.

If you wish to make changes at renewal (or at any other time during the period of insurance) please call 13 YOUI (9684).

If anything changes during the term of the policy, you should notify us straight away. To do this you can either call us directly on 13 YOUI (9684) or log on to your policy via our website


Youi Pty Ltd is an Australian registered company and is a wholly owned subsidiary of Youi Holdings Pty Ltd, a subsidiary of OUTsurance International Holdings Pty Limited. The ultimate holding company is OUTsurance Group Limited.

Youi Pty Ltd is a registered general insurance company which underwrites its own policies. Our products currently include Vehicle (Car, NSW CTP Green Slip, SA CTP, Motorcycle, Caravan and Trailer), Home (Buildings and Contents), Watercraft and Small Business Insurance.

We are regulated by the Australian Prudential Regulation Authority (APRA) and Australian Securities and Investment Commission (ASIC), a member of Insurance Council of Australia (ICA) and a signatory to the General Insurance Code of Practice. 

Our Australian Business Number (ABN) is 79 123 074 733 and our Australian Financial Services License (AFSL) number is 316511. 

Call Youi now on 13 YOUI and see what the future of your insurance looks like.

We respect the privacy of your personal information and handle it in-line with the Privacy Act and Australian Privacy Principles. View our Privacy Policy and Terms of use.




Handling your complaint

Code of Conduct

We stand together as Team Youi with a relentless pursuit to always provide awesome service, great quality products and an overall strong value proposition. Service is our passion. How do we deliver this? Through our values, which underpin everything we do. They guide the way we think, act and make decisions. They reflect our commitment to our customers, community and each other. We have fun while we work but we take what we do seriously, which is why our customers love us. We feel proud of who we are and what we stand for.

View our Code of Conduct

Capital Adequacy

Youi as a regulated institution is required under APRA Prudential Standard GPS 110 ‘Capital Adequacy’ to publish at least annually, details of its capital adequacy position.

View the latest capital adequacy disclosures

Code of Practice

Youi is a signatory to the General Insurance Code of Practice (the Code). The Code sets standards for insurers that cover buying insurance, making a claim, customers experiencing financial hardship, complaints, and customers experiencing vulnerability. We encourage you to tell us if you are experiencing vulnerability or see our support services, so that we can best assist you.

The Code Governance Committee is an independent body which monitors and enforces the Code and has powers to impose sanctions on Code subscribers for non-compliance.

Should you require more information or a copy of the Code, go to General Insurance Code of Practice or contact us.

As part of the Code and our commitment to you, if you are not completely happy with this any of our products or our service, please tell us about it.


General Insurance Code of Practice

Whistleblower Policy

At Youi we are committed to fostering a culture that encourages employees and partners of Youi to speak up on matters that concern them.

We recognise that from time to time individuals speaking up may be concerned about being identified, or any potential repercussions of reporting conduct. The Youi Whistleblower Policy assists and guides an individual through the process of making a report in order to receive protection under the policy.

View our Whistleblower Policy 

To make a report please contact our external vendor Core Integrity via the following channels:

Whistleblower QR Code

Domestic and Family Violence Policy

At Youi, we recognise that domestic and family violence (DFV) is a serious issue afflicting the wider Australian community. As part of our ongoing commitment to assisting clients and employees who may be affected by it, we’ve created this document to outline ways in which we help support victims and enable them to speak out.

View our Domestic and Family Violence Policy

Support Services

At Youi, we understand that there may be times in your life where you experience moments of vulnerability. We get it, and we get that vulnerability also affects different people in different ways. We also understand that you may have trouble communicating with Youi. That’s why we’ve got additional Support Services in place designed to help you.

Modern Slavery Statement

Our position on slavery.

View our Modern Slavery Statement

Product Design and Distribution

At Youi, we design our insurance products to ensure they’re effective for you and appropriate to your needs. This helps to make sure we remain competitive in the marketplace and deliver you value for money. We’ve put together a policy that documents our approach to the development and distribution of our products for appropriate target markets.

View our Product Design and Distribution Policy