For the total package in car insurance / think youi

Car Hire After Theft

Car hire after theft for up to 14 days, included as standard with your comprehensive cover.

Dedicated Claims Team

Need to claim? Our claims team will look after you every step of the way.

Roadside Assistance

Emergency roadside assistance included with comprehensive cover.

Flexible Excess

Choose your own excess to suit your back pocket.

You know better than to settle.

Our comprehensive car insurance is designed to tick all your boxes, and more.

The real deal.

You know what you're looking for. Reliability. Protection. Security. All the things you need and the nice to haves. Our comprehensive cover is the full package covering you for theft, fire, accidents, storms, floods and even earthquakes. It'll tick all your boxes and then some - with added features like emergency Roadside Assistance included as standard, and towing, storage and hire car costs covered for insured events.

It's what you choose when you choose not to settle.

PDS  Compare Car Insurance

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

Cover for damage to the car that is caused intentionally is included under Comprehensive cover. 

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

Under Comprehensive or Third Party Fire and Theft we cover your car for damage caused by fire

Under Comprehensive or Third Party Fire and Theft we cover your car for damage caused by theft or attempted theft.

Includes cover for damage to the car caused by earthquake.

If you’re involved in an insured event that means your car isn’t safe to drive, and you're more than 100km from home, we’ll pay up to $1000 for your emergency accommodation, transport or repairs.

We’ve got you covered to the tune of up to $20 million for your legal liability if your car causes damage to someone else’s property.

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.

If you have Comprehensive or Third Party Fire and Theft cover, we’ll replace the following items that are on or in the car should they be damaged as a result if an insured event:

  • Baby seat/s
  • Personalised plates
  • Towbar
  • Window tinting

It’s not just your car we’ve got covered in the event of an insured event; we’ll look after your contents inside the car too. Comprehensive policies include up to $750 of cover, up to $150 per item.

We will cover your replacement car, while trading in your current vehicle, for up to 14 days after the purchase, if your replacement car is purchased for less than $100,000.

We’ll cover you for up to $10,000 for your legal liability under Maritime Law while the car is being transported by sea between ports within Australia.

If you have a Comprehensive or Third Party Fire and Theft policy, we’ll pay for the reasonable cost of a hire car for up to 14 days following a theft or attempted theft which renders the car unable to be driven.

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

We now also offer a Hire Car if you’re the not-at-fault driver in an accident that causes loss or damage to your vehicle, and you have a Comprehensive Insurance policy with us. We will ask you to provide us with the name and residential address of the driver of the other vehicle as well as the registration number of their vehicle, and then supply you with a hire car

Please refer to your PDS for further information.

What's optional?

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like hire car and business items cover, so you can tailor your policy until it's just right.

If you have a Comprehensive or Third Party Fire and Theft policy you can choose to add the 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.

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. We’ll replace each item up to $200, with a maximum amount of $1000 per claim.

If you select this optional cover, your unbraked trailer will be covered for up to $2500 if it’s damaged accidently or intentionally or as a result of Storm, Flood, Theft and Earthquake. 

Taking out the Choice of Repairer option allows you to choose a repairer outside of our extensive repairer network. However if you don’t select this option, we’ll manage the repair process from start to finish for you using one of our trusted repairers nationwide. All repairs we authorise come with a lifetime guarantee on workmanship.


Got a question? You’ll probably find the answer here. Browse our frequently asked questions.


We're there for you when you need us most. Learn more about our claims process.

Roadside Assistance

Emergency assistance when you need it - 24 hours a day, 7 days a week, 365 days a year.

Youi’s total package

We know that when the worst happens, it’s often the little things that can make all the difference.  That’s why our cover includes protection for additions to your car like baby seats and tow bars, personalised plates or window tinting.  The contents inside your car at the time of an insured event are covered too.

When you call us for a Comprehensive Car Insurance quote, we’ll work with you to tailor your excess to suit your back pocket.  We’re flexible when it comes to what you want to pay should you ever need to make a claim.  And to ensure a smooth claims process, we’ll make sure you have a dedicated Claims Advisor from start to finish.

Also, our 24/7 Youi Roadside Assistance is included in any Comprehensive Car Insurance policy, giving you emergency assistance, whenever and wherever you need it, 365 days of the year.   If you breakdown, lose your keys, or run out of petrol, just call 131117 and we’ll be on our way to help.

And if you still need convincing that Youi provides the best Comprehensive Car Insurance Australia-wide, just give us a call and tell us how you do and don’t use your car, and we’ll tailor-make a policy just for you.

Youi, we get you.