Car insurance for your business

Your business is unique. So when you’re looking around for business car insurance, it makes sense to go with a provider that’s unique too. While we don’t have a specific business car insurance product, we may have options that could suit your company car insurance needs and could be ideal for the way your business works.

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Comprehensive car insurance to suit your business.

On the hunt for business car insurance to help keep your company vehicles out on the road? Our general car insurance covers could do the job nicely. Whether you’re looking for a Comprehensive level of cover for your company car insurance or a more basic level of cover, we’ll take the time to understand your business. Choose Youi for the customer service and support your business needs.

Why choose Youi?

Great car insurance for your business vehicle goes beyond just a good price. It’s about the quality customer service, inclusions and extras that come with it too.

New car replacement

If your new business vehicle is a total loss within 2 years of it being first registered, we’ll replace it or pay you the replacement cost.¹

24/7 claims support

Whether it’s day or night, we’re here to help if you or an authorised member of your team needs to make a business car insurance claim.

Hire car after not-at-fault accidents

If your business vehicle can’t be driven after an accident where the other driver is at fault, we’ll pay for a hire car until your car is repaired or until we pay out your claim for a total loss.²

What type of cover is right for you?

Running a business means you probably don’t have a lot of time to think about your insurance. That’s why, when you’re searching for company car insurance for your business, we like to keep things simple, so it’s easier for you.

Comprehensive insurance

As the name suggests, this is our most comprehensive level of cover that could be ideal when you’re looking around for business car insurance. It includes cover for loss or damage to your car, as well as damage your car causes to someone else’s car or property. It also includes cover for theft, fire, storms, hail and floods.⁹

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We’ll replace, or pay you the replacement cost for, your new car if it’s a total loss within 2 years of it being first registered.¹
Up to 14 days of car hire following a not-at-fault accident.²
Roadside assistance included as standard. Some limits and fees apply.²

Third Party Fire & Theft

Cover for your business vehicle against fire and theft, as well as if the car causes damage to someone else’s car or property.

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Up to 14 days of car hire included after a theft or attempted theft.³
Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.⁴
Combined emergency transport, repairs and accommodation costs reimbursed up to $1,000 after an insured event if you’re more than 100km from home and your car can’t be driven safely.⁵

Third Party Property Only

Cover if your business vehicle causes damage to someone else’s car or property.

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Up to $5,000 cover (after paying your excess) against uninsured third parties if they were completely at fault for the incident and you provide us with the required details.⁶
Legal liability up to $20 million.⁷
Up to $1,500 per person for counselling services after an insured event for you, listed drivers and household members.⁷

Comprehensive insurance

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We’ll replace, or pay you the replacement cost for, your new car if it’s a total loss within 2 years of it being first registered.¹
Up to 14 days of car hire following a not-at-fault accident.²
Roadside assistance included as standard. Some limits and fees apply.²

Third Party Fire & Theft

Cover for your business vehicle against fire and theft, as well as if the car causes damage to someone else’s car or property.

Start a quote

Up to 14 days of car hire included after a theft or attempted theft.³
Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.⁴
Combined emergency transport, repairs and accommodation costs reimbursed up to $1,000 after an insured event if you’re more than 100km from home and your car can’t be driven safely.⁵

Third Party Property Only

Cover if your business vehicle causes damage to someone else’s car or property.

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Up to $5,000 cover (after paying your excess) against uninsured third parties if they were completely at fault for the incident and you provide us with the required details.⁶
Legal liability up to $20 million.⁷
Up to $1,500 per person for counselling services after an insured event for you, listed drivers and household members.⁷

For more details on our car insurance policies, see the Product Disclosure Statement.

Take a closer look to see if our car cover suits your business.

The following table makes it nice and clear for you to see what is and isn’t included with our Comprehensive, Third Party Fire & Theft, and Third Party Property Only car insurance.

Comprehensive

Third Party Fire & Theft

Third Party Property Only

No need to worry when accidents happen. If someone accidentally damages your car, we’ll cover the cost to replace or repair it.²

Intentional damage can happen, and if it does, you’ll be protected. We’ll cover your car against any malicious or intentional damage caused by someone else.²

Worry less when the weather’s at its worst. If your car’s accidentally damaged by storm, hail or flood, feel confident knowing it’ll be covered.⁹

If your car is damaged by events like bushfires or housefires, get peace of mind knowing we’ll cover the cost to replace or repair it.⁸

We’re here to help get you sorted and back on the road by protecting you against theft or damage caused by attempted theft.³

When earthquakes hit, they can cause major damage. If your car is damaged by an earthquake, we’ll cover the cost to fix it.³

If your car causes damage to someone else’s property, we’ll cover you up to $20 million in legal liability (including when your car is towing a trailer or caravan).⁷

After an accident, the last thing you want is more stress. If your car’s damaged in an insured event and can’t be driven, we’ll cover the reasonable cost of towing it to, and storing it at, the nearest suitable location.⁴

If your car can’t be driven after an insured event, we'll reimburse you up to $100 to get you home or to and from a repairer or hire car provider.³

If your car’s unsafe to drive after an insured event and you're more than 100km from home, we’ll reimburse you up to $1,000 for emergency accommodation, transport and repairs.⁵

It’s awful having your car stolen. We’ll do what we can to help by covering up to 14 days car hire if your car can’t be driven due to theft or attempted theft causing damage.³

Covered

Optional

Not Covered

Looking for CTP insurance? We do that too.

NSW CTP Green Slip SA CTP

When could car insurance apply to your business?

Whether your company vehicle is a van, sedan or ute, making sure you’re covered with the right car insurance could protect your business from the often quite hefty costs brought about by an accident or the theft of your vehicle.

Mobile business

If you’ve got a mobile business that involves you and your team travelling to different locations, having insurance that covers your business car insurance needs could really help protect one of your most vital assets.

Client visits

Looking for business car insurance for when you’re visiting clients in their homes, workplaces or other locations? Having the right insurance could help you avoid missing out on work commitments if something goes wrong.

Transportation

In the transport game and looking for business car insurance? See how our general car cover options could help support you to keep your organisation moving when things go wrong out on the road.

Mobile business

Client visits

Transportation

In the transport game and looking for business car insurance? See how our general car cover options could help support you to keep your organisation moving when things go wrong out on the road.

Ready to compare car insurance?

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See how much you could save on Youi car insurance.

Around 87% of drivers who switched to Youi told us they saved on their car insurance.*

How much did they save?

An average of $211 per year*

In fact, our customers told us
they saved more than $15.5 million*

Still have questions in your search for business car insurance?

We frequently get questions about business car insurance. You might find answers here.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Business car insurance is – you guessed it – car insurance which may be suitable for businesses.

Youi’s range of cover level options includes Third Party Fire & Theft, which could be suitable for your business car insurance needs, as it can help cover the costs in the event your vehicle is damaged in a fire or stolen. If you take out Comprehensive cover, your included business car insurance will also cover you for a range of other insured events, such as storms, hail and floods.⁹

When talking business car insurance, keep in mind that our general car policies have some exclusions for business. Take a look at the PDS for details.

At Youi, our general car insurance products can suit both personal and business car uses. Whether it’s for personal use, business use or a combination of both, talk to us.

Generally, car insurance that covers both personal and business use may be more expensive than a purely personal use policy of the same level of cover. It will depend on your circumstances, including if you decide to take out optional extras to further suit your company car insurance needs.

Depending on the level of cover you have, car insurance for your company works by protecting your vehicle from insured events such as costs caused by vehicle damage or loss, theft, fire, storm, hail, flood or another insured event.⁹

Check out what is and isn’t included with our Comprehensive, Third Party Fire & Theft, and Third Party Property Only car insurance.

This depends on your business and personal circumstances, however, if your car is a vital part of the everyday running of your organisation, protecting it with cover that suits your business car insurance needs might make sense.

Some general Youi car products allow you to select Business Items as an optional cover that may help to keep your business moving.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Guides

Catch up on our latest guides to find answers to commonly-asked questions and discover more information about car insurance for business vehicles.

Articles and Guides.

The Most Important Thing You'll Need When Starting a New Business

If you’ve ever thought about starting a business, you’ve probably heard a million times that it will be the best decision you’ll ever make and one of the most rewarding, exciting chapters of your life.

June 03, 2016

Articles and Guides.

What to Look for in Business Car Insurance

Do you use your personal car for work purposes? Or do you provide a company car for your employees to drive? Read on for some tips on what to look for in Business Car insurance.

Katrina Sichlau, February 08, 2024

What people are saying

Excellent

4.7 / 5 from over 21,332 reviews.

29 Oct 2024

Was referred to Youi and not disappointed

Enquired about car insurance through Youi after a recommendation from a friend in the car industry. Please I got in contact. Talked to an engaging representative, very knowledgable and easy to talk to. Made me feel comfortable. Answered all my questions and I saved money along the way.

15 Oct 2024

10/10. Customer focused

Youi were very helpful in explaining everything to do with the new car policy I have just taken out. It was a pleasure dealing with the assistant on the other end of the line, and she is a credit to Youi. 10/10

15 Oct 2024

Ease of dealing with Youii

Ease of dealing with Youii. Chanae was more than helpful in setting up a new car policy. No mucking around, this was wrapped up in 10 mins and at a very competitive price.

11 Oct 2024

Amazing service & Price!

Amazing service & information to make an informed choice for car insurance. Saved time, energy & huge dollars. Friendly service & helpful to our needs.

18 Sep 2024

Youi made the whole thing easy...

Youi made the whole ordeal of a car binge the easiest and most pleasant experience ever. The lady on the phone was absolutely lovely and walked me through the process. The auto repairer was professional and easy. The whole thing was seemless. Youi is the best - all our cars are with them!

10 Sep 2024

Outstanding customer service from Elizabeth

Elizabeth was patient, funny and very helpful discussing a car insurance quote I made a few days ago! A+ service, thank you! :)

05 Sep 2024

Amazing customer service representative.…

I would like to say what an amazing experience I had with the consultant today named Nathan , he went above and beyond to get me the best quote of car insurance. It's my first time being with youi and I'm glad I picked this car insurance. I will recommend it to all my family and friends.

14 Aug 2024

Very impressed by Youi’s service

Very impressed by Youi’s service. Very professional, very quick and straight forward, staff extremely friendly. Car booked in to be towed within minutes of speaking to them. Would highly recommend

12 Aug 2024

Made an online claim for damage to my parked car.

Made an online claim for damage to my parked motor vehicle. Within 5 minutes I received a follow up call from Youi to progress my claim. Nothing but support and made the process seem so easy.

12 Aug 2024

Fantastic customer service

Fantastic customer service, they could not have been more helpful. Set the ball rolling very quickly and arranged a convenient time for the car damage to be assessed. So glad we chose Youi.

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Disclaimers

¹ If your car is a total loss from an insured event within 24 months of it being first registered, we’ll replace it with a new one or pay the equivalent replacement cost. For more details, see the PDS.
² Available with Comprehensive policies. For more details, see the PDS.
³ Available for Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁴ Available for Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS.
⁵ If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁶ Available for Third Party Fire & Theft and Third Party Property Only policies. The required details of the uninsured third party involved include the full name of the third party and two of either their phone number, address, driver’s licence number, or the registration number of their vehicle that was involved in the incident. For more details, see the PDS.
⁷ Available with all levels of car insurance except CTP. For more details, see the PDS.
⁸ Loss or damage caused by a bushfire within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁹ Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For more details see PDS, TMD and your policy schedule.