Four wheel drive on a dirt road
Car Insurance Label

4WD insurance
for individuals

Where you go with your 4WD is unique, so get the insurance to suit.

Where you go with your 4WD is unique, so get the insurance to suit.


Insurer of the Year & Roadside Assistance

Finder - Best Rated Brand - Roadside Assistance 2022 Finder Insurer of the Year 2022
Youi Trustpilot star rating 4.5/5 Trustpilot Logo
Car Insurance Label

Whether it’s heading up a bush track, cruising along a wide-open beach or doing the school pick-up, how you get about in your 4WD makes you an individual. And with Youi, you’ll get insurance that suits who you are and how you drive. With features like roadside assistance, trailer coverage and a quality repair guarantee – you can hit the road (and the dirt, and the mud) knowing your rig is in safe hands.

Why you need 4WD insurance with Youi.

Here's just some of the benefits that come with covering your ride.

Car Product
Car on Beach at sunset


  • Roadside assistance
    Having trouble with those monster-truck tyres? We can help.
  • Cover for your load
    Cover worth up to $1,500 for your unbraked trailer is included as standard with comprehensive policies.
  • Simpler claims
    Pay only one excess for one claims event if you have multiple policies with Youi.
  • Lifetime quality repair
    We guarantee the quality of all authorised repairs with our nationwide repairer network, as long as you're the owner for the vehicle.

4WD owners switched and saved.*

Around 81% of drivers who switched to Youi told us they saved on their car insurance.

How much did they save?

An average of $192 per year

In fact, our customers told us
they saved $6.8 million*

* Disclaimer


Got questions about 4WD insurance? You might find the answers here.

Am I covered to drive off road or on the beach?

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.


4WD owners love being with Youi.

Whether it’s over the phone or online, we’re here to make things simpler for you – to provide the insurance you need, minus the hassle.

Get great cover for the great outdoors.

Make life easier by combining all your leisure and lifestyle policies in one place.

Winners for car insurance again. Thanks to you.

Thanks Australia. You’ve made us 2021 winners for Car & Home Insurance with Mozo’s People’s Choice Awards for Most Recommended Car Insurer, and now also the Excellent Customer Service award for 2022. Not to mention the experts at Finder, who rated us as this year’s winners for Insurer of the Year and Best Roadside Assistance Brand too. Really, you’re all too kind.

Youi's Trustpilot score


Youi car insurance customers rate their experience with us a 4.5 out of 5. Take a look at some of their great reviews on Trustpilot.


Trustpilot logo

4.5 / 5 from over 14,459 reviews.

Check out our full range of products.

Along with insurance for your 4WD, here’s some of the other policies you can get with Youi.