Car insurance for individuals

We get that one size fits all car insurance doesn't actually fit all.

So while you'll find we offer standard car insurance products like Comprehensive, Third Party Fire & Theft and Third Party Property Only, you'll also find they're anything but standard.

With optional insurance extras and flexible excess levels, all of our car products can be tailored to the way you use your car and the cover that you're after.

Not sure where to start? See which level of car cover is closest to what you're after, and we'll go from there.

Any time is a good time to switch insurers if it means being in better hands, saving more money or getting better value from your policy. At Youi, it could mean all three. Get a quote with us anytime to see if the time is right for you to make the switch.

We offer flexible excess levels, so you can tailor our products to your needs and the cover you're after.

Yes. We offer Choice of Repairer as an optional extra. Just select and pay for this option on our comprehensive car insurance policies and you can choose your own repairer. Refer to the PDS for further information.

When you lodge an insurance claim, you're required to pay an excess. There are different types of excesses that may apply to your claim and will appear on your policy schedule.

Basic Excess

The basic excess is the amount you must pay in relation to each and every claim made under your policy. You may get the option to select the amount of your basic excess, which will be shown on your policy schedule. Where the event is completely the fault of a third party that you can identify, and we can locate and whose liability can be established, we may waive payment of the basic excess.

Additional Excess

We may require an additional excess to be paid in certain circumstances under your policy. The exact situations where this would apply and the amount of the additional excess will be shown on your policy schedule.

Driver specific excess

If we accept your claim for an insured event where the car was driven with your permission by any person who meets the criteria set out in the excesses section of your policy schedule, a driver specific excess becomes payable. This could include, for example, unlisted drivers (i.e. drivers not noted as a regular or listed driver) or young drivers (whether or not they are noted as a regular or listed driver). The criteria for the driver specific excess and amount of this excess will be shown on your policy schedule.

Where they are applicable, the driver specific excess amounts will be added to any other excess amount that may apply to the claim and may still apply even though the basic excess has been waived. These excesses will not apply when the car is being driven by a service provider with the appropriate liability cover.

For some cars, we may restrict cover to the listed drivers and the regular driver only. If cover is restricted in this way, there is no cover for any other driver, irrespective of excesses, and it will be clearly shown in the Special Conditions section of your policy schedule.

Reduced basic excess for windscreen claims

You may be given the choice to pay extra premium to reduce the basic excess that applies to claims that solely involve your windscreen, sunroof or window glass. The excess that will apply to windscreen claims will be shown on your policy schedule.

One Excess

If you have multiple policies with Youi and you lodge a claim for damage that occurs at the same place arising from the same single event, you will only be required to pay one excess.

If your car (typically a four wheel drive vehicle) was designed to drive off-road or on the beach, it will be covered.

However, you have to ensure that you drive the car only in a manner and under conditions that are within the manufacturer's recommended guidelines, and that you take reasonable care to prevent loss or damage.

We offer car insurance cover for all states excluding the Northern Territory. Understanding where and how you live could save you lots on your car insurance.

Browse car insurance by state:

• New South Wales
• Victoria
• Queensland
• South Australia
• Western Australia
• Tasmania
• Australian Capital Territory

That promotion at work, a new apartment, the new bike you now ride to work. With Youi, even the smallest change in your situation could save you money on your car insurance. So don't wait, make the switch and see how much you could save with a tailored car insurance quote. Call or start a quote online.

Glad you asked. To give you an idea of how much comprehensive insurance might cost with Youi, we've included our indicative premium based on make and model, as purchased by our customers.

We'd much rather provide you with an accurate quote that reflects you, your car and your unique situation. Sound good? Start a quote now.

Youi offers CTP Green Slip insurance cover in NSW only. To register your vehicle in NSW, you'll need to have CTP Green Slip Insurance, and you can choose who you purchase your CTP Insurance from.