What is Comprehensive car insurance and how does it work?
Comprehensive car insurance is exactly that – comprehensive. With this level of cover, we’ll cover you for a wide range of damage caused by an insured event, such as car accidents, theft, intentional damage, fire and severe weather events like storms, hail and floods.
What does fully comprehensive cover include?
Youi’s fully Comprehensive level of cover includes cover for a wide range of damage caused by insured events. These insured events include:
- Accidental damage
- Storm, hail or flood
Also included with Youi fully Comprehensive car cover is:
- Roadside assistance
- New car replacement
- Towing costs
What is not covered in Comprehensive car insurance?
While our Comprehensive car insurance covers a wide range of situations, there are a few exclusions that are worth being aware of. Our Comprehensive car insurance doesn’t cover:
- Incidents outside your coverage period
- Damage due to poor materials or workmanship
- Coverage for improper drivers (e.g. a driver under the influence of drugs or alcohol, or a driver with a suspended licence)
- Climate or weather damage, mould, rot or damp (unless this is a direct result of an incident for which we’ve accepted a claim)
For full details on what’s not covered, please read the Product Disclosure Statement.
Does my Comprehensive car insurance cover me when I drive someone else’s car?
It’s important to keep in mind that your Comprehensive car insurance is only attached to your vehicle. It does not follow you around if you drive other people’s vehicles.
What is the difference between Comprehensive and Third Party Fire & Theft (also called ‘collision insurance’ in some places)?
Comprehensive car insurance is a level of cover that protects you from unexpected damage such as damage caused by theft, fire, storms or earthquakes. Where the insured event is a collision, it covers the damage caused by your car as well as the damage to your car.
Third Party Fire & Theft (a.k.a. collision) car insurance covers you for fewer things than comprehensive cover. For example, where the insured event is a collision, it covers the damage your car causes, but not the damage to your car.
What’s worth considering before getting Comprehensive car insurance?
Deciding whether Comprehensive car insurance is for you will depend on your car insurance needs (and the Comprehensive car insurance quote you receive).
There are many questions to consider, but a few important ones are:
- Will the cost of repairing your car be greater than your annual insurance premium?
- What are the weather conditions like where you live? Is there the potential for your car to experience damage as a result of fire, storm, flood or earthquake?
- Where do you park your car? Some car parking locations mean your car is more vulnerable towards theft and intentional damage.
- Do you want roadside assistance included as part of your level of cover?
What is the difference between Comprehensive car insurance and Compulsory Third Party (CTP)?
The short answer: CTP car insurance is required by law in Australia and covers you in case you cause injury or death to another person in the event of an accident. It does not cover any property damage. Comprehensive car insurance, on the other hand, covers you for a wide range of other insured events such as fires, storms and floods.
Longer answer, in case you’re in the mood for reading:
As well as covering your legal liability, Comprehensive car insurance generally covers loss or damage to your car for a wide range of insured events and usually has a longer list of extra covers which are included and triggered for different reasons. Extra covers and optional covers differ between insurers and it will pay to understand what is available and what you believe best suits your needs.
CTP insurance is a type of insurance you are required by law to have in all Australian states and territories to register your vehicle. In most states and territories, CTP insurance is included with your registration. However, in NSW (where CTP is often referred to as ‘Green Slip insurance’), drivers are required to have a policy in place before registering their vehicle. You can learn more about NSW CTP insurance and SA CTP insurance on the Youi website.
CTP insurance does not cover any property damage. Instead, it’s a form of personal liability insurance against injury or death caused to another person by your car in the event of an accident.
Can I choose my excess?
Yes. At Youi, we offer flexible excess levels so you can choose the excess to suit your needs and budget.
Will you cover me if my car breaks down?
Do you offer new car replacement?
If your car is a total loss within 24 months of it being first registered, we will replace it (or pay the replacement cost) with a new one. T&C's apply.1
If my car is damaged in an accident, can I choose my own repairer?
If you have taken the ‘choice of repairer’ cover as an option, yes. With this optional cover, we will pay for the fair and reasonable costs of repairs as determined by us. These repairs may be carried out by a repairer from outside our repair network.8
What happens if my car is unable to be driven after an insured event?
With both Comprehensive and Third Party Fire & Theft policies, we cover the reasonable cost of towing and storage of the car after an insured event.4 We also reimburse costs for emergency accommodation, transport or repairs to the car within set limits.5
Do I get a ‘free’ windscreen?
Although we don't have 'free' windscreen replacement, we make sure the excess is affordable by allowing you to choose a reduced windscreen excess.