Samuel sitting at table completing a quote on his laptop Stefan and wife quoting on laptop

Great value car insurance.

With car insurance premiums rising, now might be a good time to look around for better value. Samuel and Stefan switched to Youi and saved. Try Youi for Comprehensive, Third Party Fire & Theft or Third Party Property cover today. You could save too.

With car insurance premiums rising, now might be a good time to look around for better value. Try Youi for Comprehensive, Third Party Fire & Theft or Third Party Property cover today. You could save too.

Samuel
2014 Volkswagen Amarok
Saved
$ 473 *
Stefan
2016 Nissan Pathfinder
Saved
$ 288 *
* Disclaimer

AWARD-WINNING INSURANCEMost Satisfied Customers 2021

CANSTAR 2019-2021 - Most Satisfied Customers - Car Insurer - QLD CANSTAR 2019-2021 - Most Satisfied Customers - Car Insurer - VIC CANSTAR 2019-2021 - Most Satisfied Customers - Car Insurer - NSW
Samuel
2014 Volkswagen Amarok
Saved
$ 473 *
Stefan
2016 Nissan Pathfinder
Saved
$ 288 *
* Disclaimer
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CORPORATE SUITE + FLIGHTS + ACCOMM + MONEY-CAN'T-BUY LIONS EXPERIENCE + MORE

Whether you’re a footy fan or not, this is an experience you’re going to love. Just take out a new Youi policy (excluding CTP) via the promotion page and you’re in with a shot at winning!

 

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READ THE TERMS & CONDITIONS
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Car insurance features

Along with awesome service, Youi car insurance gives you access to a range of features and inclusions, providing you peace of mind both on and off the road.

More features View the PDS

Roadside assistance

Emergency roadside assistance is included as standard with comprehensive car insurance and motorcycle insurance cover for even more peace of mind.

Accidental damage

Comprehensive policies include cover for accidental damage caused to the car.

24/7 claims

Our insurance claims team will be there for you from start to finish during the claims process, and we can help with emergency claims 24/7.

Car hire after theft

Car hire after theft for up to 14 days, included as standard with Comprehensive car insurance and Third Party Fire & Theft car cover.

Flexible excess

Adjust your car insurance excess to suit you and your pocket.

Flood & storm cover

Comprehensive car insurance policies include cover for accidental damage to the car caused by a storm or flood.

Towing costs

Cover includes the reasonable cost of towing and storage of the car to a suitable place for safekeeping nearest to the incident location after an insured event.

Legal liability

Our car insurance for third party property has you covered up to $20 million for your legal liability if your car causes damage to someone else’s property.

Emergency roadside assistance is included as standard with comprehensive car insurance and motorcycle insurance cover for even more peace of mind.

Comprehensive policies include cover for accidental damage caused to the car.

Our insurance claims team will be there for you from start to finish during the claims process, and we can help with emergency claims 24/7.

Car hire after theft for up to 14 days, included as standard with Comprehensive car insurance and Third Party Fire & Theft car cover.

Adjust your car insurance excess to suit you and your pocket.

Comprehensive car insurance policies include cover for accidental damage to the car caused by a storm or flood.

Cover includes the reasonable cost of towing and storage of the car to a suitable place for safekeeping nearest to the incident location after an insured event.

Our car insurance for third party property has you covered up to $20 million for your legal liability if your car causes damage to someone else’s property.

More features View the PDS

Need a little extra cover?

We get that sometimes you might need a bit of extra cover to suit your situation. Which is why, on top of our standard car insurance policy inclusions, we offer a suite of optional extras for you to add, allowing you to update your policy until it's just right.

Hire car for up to 14 days

If you have a Comprehensive or Third Party Fire and Theft policy, you can choose to add optional hire car cover. This means that no matter which insured event takes your car off the road, we’ll provide you with a hire car for up to 14 days.

Choice of repairer

We now offer Choice of Repairer as an optional extra on our comprehensive car insurance policies. You can check out our extensive service provider network.

Campervan / motorhome contents

If your car is a campervan or motorhome, we'll cover the contents inside up to $1,000 if they're lost or damaged due to an insured event.

Business items

If your business items are stolen from a locked boot or lockable compartment, or damaged as a result of an insured event we’ve got you covered. With our optional car insurance for theft protection, we’ll replace each item up to $400, with a maximum amount of $2,000 per claim.

If you have a Comprehensive or Third Party Fire and Theft policy, you can choose to add optional hire car cover. This means that no matter which insured event takes your car off the road, we’ll provide you with a hire car for up to 14 days.

We now offer Choice of Repairer as an optional extra on our comprehensive car insurance policies. You can check out our extensive service provider network.

If your car is a campervan or motorhome, we'll cover the contents inside up to $1,000 if they're lost or damaged due to an insured event.

If your business items are stolen from a locked boot or lockable compartment, or damaged as a result of an insured event we’ve got you covered. With our optional car insurance for theft protection, we’ll replace each item up to $400, with a maximum amount of $2,000 per claim.

Car Campaign
 

WHATEVER YOUR CLAIM. BIG OR SMALL. WE’RE ONTO IT.

From major catastrophes to everyday accidents, we believe that every claim should get the same level of care and support. You can be confident we’ll go above and beyond to get onto it and get your claim moving.

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WHEN CHANGE HAPPENS, THINK YOUI.

Changes, like getting a new car, are part of life. When they happen, think Youi. We’re a car insurer that’s all about you and where your life’s at right now. Try us today and see what you could save.

Youi car insurance is focused on you.

Take a look at the thousands of reviews from everyday Australians just like you who trust Youi to get them back on the road. Start a quote online today. It could save you lots.

Youi car insurance FAQs

Got questions about our car insurance options? You might find the answers here.

More FAQs View the PDS Car Insurance Terminology

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.

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 car 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.


If you plan on using your car for business purposes, we’ve got insurance that can help you with that too. You can even add extra cover for things like business items, signage and tools.


If you’re retired, or soon will be, there are plenty of good reasons to choose Youi car insurance. As well as great value cover, you’ll have access to lots of great rewards, offers and discounts.

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.

Business use means a car that is used for social domestic and pleasure purposes, being driven between your home and place of work and in the course of the business. Examples can include company cars, trucks as well as multi-purpose vehicles. There will be cases (especially in small to medium businesses) that there is some cross over between private use and business use.

Did you know we also provide small business insurance?

Anyone can drive your car and we categorise them as follows:

Regular Driver  
The person who drives the car most often and is noted as the regular driver on your policy  schedule.

Listed Drivers
The people who also drive your car, although less frequently than the regular driver, and are noted as listed as drivers on your policy schedule.

Unlisted Drivers
The people who might drive your car but are not listed as drivers on the policy.  If you decide not to list a driver, there is an additional unlisted driver excess in the event of a claim.  For some cars, unlisted drivers won’t be covered – during the quote process we’ll let you know if this applies to you.

There are other people who could drive your car and depending on whether or not they are listed on your policy an additional excess may apply. Other drivers include:

Learner Drivers
You are covered to teach someone how to drive provided the driver has a valid licence.  Please note you aren’t covered if you receive payment for the tuition.

Test Driving
You are covered as long as you take all reasonable steps to make sure that the car is safe, including going with the prospective buyer if a test drive is required.

Service Providers
You are covered whilst the car is being driven by a valet parking attendant, car wash attendant or an employee of a licensed automotive workshop whilst your car is in the care of that  business and no additional excess will be applied.

More FAQs View the PDS Car Insurance Terminology

Car insurance for where you live.

Australia is a diverse place. So we've broken our car insurance down across various states and territories, to give you an idea of how we support our customers in your part of the world.

Read more around car insurance

We’ve put together the following articles to help you navigate your car insurance needs and answer some commonly-asked questions.

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Compare our car insurance cover

We’re confident in our products, and we work hard to stay on top of the field. We’ve put together a comparison guide so you can easily compare our Comprehensive car insurance with our other policies and find one that fits. By selecting the options that suit you, our comprehensive cover offers you our highest level of protection.

This cover protects against accidents, fire, theft, storm damage, and even earthquake damage, and includes towing costs, emergency accommodation costs and roadside assistance. And you can add extra cover if you use your car for work or have a caravan or motorhome.

If that doesn’t fit your budget, take a look at what we offer with our Third Party, Fire and Theft cover. It’s ideal for the budget-conscious and still packed with features to protect you, and there are some smart add-on optional covers too.

If you’re looking to compare third party car insurance, our policy offers $20 million in legal liability cover - that’s all-important protection should you cause damage to someone else’s property in an accident. You’ll also be covered up to $5,000 if your car is damaged by an uninsured driver.

We know there’s loads of choice out there, but when you compare car insurance, we’re confident you’ll see that Youi offers you top quality cover and awesome service. We’ve created a wide range of covers that fit most lifestyles and budgets. Depending on how, and when you use your car, we’ll help you find a policy that works for you and is as unique as you are. It’s smarter, and could save you lots.

 

View our car comparison guide