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Comprehensive Car Insurance

From grocery runs to weekend getaways, life happens in your car. Know you’re covered for the unexpected with our top level of car insurance.

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What is Comprehensive car insurance

Our Comprehensive car insurance covers damage to your own car and someone else’s car or property.

Roadside assist

24/7 Roadside Assist

Flat battery? Locked out? Need a tow? With 24/7 roadside assistance, help is just a call away.¹

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Claim online, anytime

Claim online, anytime

Accidents don’t wait – and neither do we. Make and track your claim online, day or night.

OUR CLAIMS PROCESS

New car replacement

New car replacement

If your new car is a total loss within two years of when you purchase the car new or as a demonstrator car from a licensed motor dealer, we’ll replace it or pay you the replacement cost.²

For more details, see our Comprehensive car insurance PDS.

What does our Comprehensive car insurance cover?

Youi Comprehensive car insurance covers you for a range of situations, including:

Theft

We’ll cover your car if someone steals it or damages it during an attempted theft.³

Accidental damage

Accidents happen, and when they damage your car, we’ll cover the cost to repair or replace it.³

Storm, hail or flood damage

Damage from severe weather events like storms, hail and floods is covered when you have a Youi Comprehensive car insurance policy.⁴

Fire

From bushfires to housefires, if your car sustains fire damage, we’ll cover the cost to repair or replace it.⁴

Earthquake

In the unlikely event of an earthquake, your car will be covered if it’s damaged.³

Towing costs

If your car’s deemed unsafe to drive after an insured event, we’ll cover the cost to tow and store it at the closest suitable location.³

Emergency transport, accommodation and repairs

If your car’s unsafe to drive after an accident and you're more than 100km from home, we’ll reimburse up to $1,000 for emergency transport, accommodation and repairs to the car.³

Hire car after a not at fault accident

If you’re involved in a not at fault accident, we’ll help keep you moving with a compact hire car until your car is repaired, or until we pay out your claim for a total loss.³

Hire car after a theft

We’ll cover the cost of a compact hire car for up to 21 days to help you stay on the move if your car is stolen.³

Contents inside your car

If items inside your car are lost or damaged due to theft, a collision, or another insured event, we’ll cover them too – up to $150 per item and up to $750 per claim.³

Intentional Damage

If someone – other than you, a listed driver or anyone with permission to drive your car – deliberately damages your car, we’ll cover the repair or replacement costs.³

New car replacement

If your new car is a total loss due to an insured event within 24 months of it being first registered, we’ll replace it with a brand new one under your policy.²

We’ll cover your car if someone steals it or damages it during an attempted theft.³

Accidents happen, and when they damage your car, we’ll cover the cost to repair or replace it.³

Damage from severe weather events like storms, hail and floods is covered when you have a Youi Comprehensive car insurance policy.⁴

From bushfires to housefires, if your car sustains fire damage, we’ll cover the cost to repair or replace it.⁴

In the unlikely event of an earthquake, your car will be covered if it’s damaged.³

If your car’s deemed unsafe to drive after an insured event, we’ll cover the cost to tow and store it at the closest suitable location.³

If your car’s unsafe to drive after an accident and you're more than 100km from home, we’ll reimburse up to $1,000 for emergency transport, accommodation and repairs to the car.³

If you’re involved in a not at fault accident, we’ll help keep you moving with a compact hire car until your car is repaired, or until we pay out your claim for a total loss.³

We’ll cover the cost of a compact hire car for up to 21 days to help you stay on the move if your car is stolen.³

If items inside your car are lost or damaged due to theft, a collision, or another insured event, we’ll cover them too – up to $150 per item and up to $750 per claim.³

If someone – other than you, a listed driver or anyone with permission to drive your car – deliberately damages your car, we’ll cover the repair or replacement costs.³

If your new car is a total loss due to an insured event within 24 months of it being first registered, we’ll replace it with a brand new one under your policy.²

Optional cover

Some drivers prefer reduced excess in the event they need their windscreen replaced. Others need a hire car to keep life on track. With our optional add-ons, you can shape your Comprehensive car insurance policy to suit your needs.

Not all options are available on every policy, so just ask us if there’s an option that interests you and we can add it to your comprehensive car insurance quote.

Reduced excess for windscreen claims

Chipped or cracked windscreen? We’ll lower the excess for claims solely involving windscreens, window glass or sunroof glass if you choose to add this option.³

Hire car cover for other insured events

Even if you’re at fault, get a compact hire car for up to 21 days while your car is being repaired when you add this optional extra onto your Comprehensive car insurance or Third Party Fire & Theft policy.⁶

Campervan/motorhome contents

With this option, we’ll cover the contents inside your campervan or motorhome – to the lesser of its replacement cost or $1,000 per item – if they’re lost or damaged due to an insured event.⁶

Chipped or cracked windscreen? We’ll lower the excess for claims solely involving windscreens, window glass or sunroof glass if you choose to add this option.³

Even if you’re at fault, get a compact hire car for up to 21 days while your car is being repaired when you add this optional extra onto your Comprehensive car insurance or Third Party Fire & Theft policy.⁶

With this option, we’ll cover the contents inside your campervan or motorhome – to the lesser of its replacement cost or $1,000 per item – if they’re lost or damaged due to an insured event.⁶

What’s not covered

We’re upfront about what isn’t covered by our Comprehensive car insurance, so there are no extra surprises.

For the full list of exclusions, see our Product Disclosure Statement.

Damage due to poor materials or workmanship

We don’t cover failed repairs due to poor materials or workmanship – unless we’ve authorised the repairs under our Quality Guarantee.⁵

Incidents outside your coverage period

If an incident happens before your policy starts or after it ends, we won’t cover it.

Drivers who shouldn’t be driving

Safety on the roads starts with the right people behind the wheel. If someone without a licence borrows your car or they’re driving under the influence, we won’t cover it.

Damage that builds over time

We don’t cover wear and tear, rust, corrosion, or deterioration. Damage caused by mould, rot, or damp is not covered unless it’s directly tied to an insured event, such as flood or storm, for which we’ve accepted a claim.⁴

We don’t cover failed repairs due to poor materials or workmanship – unless we’ve authorised the repairs under our Quality Guarantee.⁵

If an incident happens before your policy starts or after it ends, we won’t cover it.

Safety on the roads starts with the right people behind the wheel. If someone without a licence borrows your car or they’re driving under the influence, we won’t cover it.

We don’t cover wear and tear, rust, corrosion, or deterioration. Damage caused by mould, rot, or damp is not covered unless it’s directly tied to an insured event, such as flood or storm, for which we’ve accepted a claim.⁴

Car insurance made easy

Make and track your claim in real time

From the couch to the cafe, make and track your Comprehensive car insurance claim with our easy-to-use mobile app.

Manage your policy with ease

Check your policy, update your personal details and make changes anytime by logging into your Youi account.

Know your cover inside out

Keen to see the fine print? Our Product Disclosure Statement has the ins and outs of our Comprehensive car insurance.

Make and track your claim in real time

From the couch to the cafe, make and track your Comprehensive car insurance claim with our easy-to-use mobile app.

Manage your policy with ease

Check your policy, update your personal details and make changes anytime by logging into your Youi account.

Know your cover inside out

Keen to see the fine print? Our Product Disclosure Statement has the ins and outs of our Comprehensive car insurance.

24/7 Roadside Assist included

Whether it’s a flat tyre at midnight or a dead car battery on a Monday, 24/7 roadside assistance comes standard with all Youi Comprehensive car insurance policies – so you’re not left stranded on the side of the road.¹

Need help now? Call 13 11 17 and we’ll help get you moving.

Explore Roadside Assist

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What people are saying

Excellent

4.7 / 5 from over 23,479 reviews.

10 Jun 2025

Someone was actually listening to what…

Someone was actually listening to what i required for my car insurance. So thank you Youi

10 Jun 2025

Very competitive rates

I called to review my car insurance policy which was up for renewal and received great customer service from Richard who was forever helpful and gave me a great deal for my new policy.

06 Jun 2025

Fantastic staff and customer service

I wanted to thank Izzy and Chloe for looking after me with my new car insurance policy. They are very understanding of customer needs and represented Youi in a very professional manner. Very knowledgeable and great ambassadors for Youi. Many thanks David.

04 Jun 2025

Professional Service

I appreciate not being left on hold for an hour to talk to someone, everyone's time is important. Youi answer promptly, focus on what you are saying and listen. My questions were answered quickly, professionally and this is the reason my car is now insured with Youi. Just good professional service.

26 May 2025

Mel was amazing

Mel was amazing. I had a total loss car accident this morning and we had some work to do together. She made it easy, took great care of me. I love Youi, wouldn't want to talk to any other company when the bad stuff happens.

22 May 2025

Easy and efficient

Efficient service and easy process. Communication was fantastic and my car looks nearly like new.

17 May 2025

Fantastic to deal with

Great to deal with been with Youi. For 10 years I can't get better anywhere for car insurance.

14 May 2025

The Human Touch

2nd year dealing with YOUI. Car insurance. Very proactive, friendly, helpful staff (Ryan most recently). Clear about costs and options. A pleasure to deal with.

27 Apr 2025

Exceptional Customer Service from Henry

I was very impressed of Henry who assisted in my claim for the car accident. He was very accommodating and understood what I've been through. Henry ensured I was okay and provided a very thorough advice on the process. I did not expect that easy to make a claim, very impressive! Well done Henry! Thank you so much for your excellent customer service!

25 Apr 2025

Fantastic Service

Fantastic service, I lodged my claim online at 9pm and received a call at 8am the next morning completing the claim and approving it. Also, I could have my car assessed within 24-48 hours. You can't get better service than that.

Comprehensive car insurance FAQs

Got questions about our Comprehensive car insurance? We have the answers.

Comprehensive car insurance is Youi’s highest level of car insurance cover. It offers coverage for a wide range of insured events, including:

natural events such as storms, hail and fire
theft and attempted theft
vandalism and some other malicious acts
accidental damage, like reversing into a post

What isn’t covered by Youi’s Comprehensive car insurance?

damage due to faulty materials or poor workmanship
incidents that happen outside your period of cover
drivers who are not legally permitted to drive your car
gradual effects of climate or weather, such as mould, rot and damp

Limits, fees and exclusions may apply.

Want the full list? Consider our Car PDS to decide if this product is right for you.

No. Your Youi Comprehensive policy only covers the vehicle listed on your policy. It doesn’t cover you if you drive another person’s car.

To learn more about what Youi’s Comprehensive car insurance does and doesn’t cover, explore our guide on what comprehensive car insurance is or read our Car Insurance PDS.

If you have Comprehensive car insurance with Youi, Roadside Assist is automatically included. That means you’re covered for emergency assistance if your insured vehicle breaks down.

However, car insurance itself does not cover mechanical breakdowns.

Youi Roadside Assist exclusions, limits and additional fees may apply. Cover is not available within 24 hours of taking out – or upgrading to – Comprehensive cover. Consider our Car PDS to decide if this product is right for you.

Yes. The costs of windscreen repair – or replacement – is covered by Comprehensive car insurance policies if it’s caused by an insured event.

Keep in mind that you may have to pay an excess for this.

We may also give you the opportunity to add the reduced basic excess for windscreen Claims for an extra premium when you take out a Comprehensive car insurance policy.

This allows you to pay less excess on claims that solely involve windscreen, window glass, or sunroof glass.

At Youi, your Comprehensive car insurance premium is calculated using a range of factors, including, but not limited to:

your driving history
where your car is kept
the make and model of your car
your car’s usage – private or business
the excess amount you choose

Read our guide on how much car insurance costs. Or start a car insurance quote for a more accurate idea on how much you’ll pay for a car insurance policy with Comprehensive cover.

Yes – when you buy a Youi Comprehensive car insurance policy, we give you the option to choose how much car insurance excess you pay from the available options.

Opting for a lower excess means paying less if you claim for an insured event. But, it will increase your insurance premium – which is the amount you pay monthly or annually – to maintain your Comprehensive cover.

Read our article to learn more about the factors that can impact your car insurance premium.

The difference between comprehensive, third party, and CTP cover is what they cover and how much they cost.

Comprehensive covers damage to your own car and others’ property, plus events such as theft, fire, hail and storms.
Third Party Property Only covers damage your car causes to others’ property – not your own.
Third Party Fire & Theft covers damage your car causes to others’ property, plus cover for fire and theft of your own vehicle.
CTP (Compulsory Third Party) is legally required and covers injuries and death to other people in an accident you cause – but not damage to any vehicles or property.

Compare the different types of covers available in Youi’s car insurance policies to see which suits your needs and budget – or start your car insurance quote with Youi today.

At Youi, we classify the people who can drive your car under your policy as follows:

Regular driver – the person who drives the car most often and is named on your policy
Listed drivers – people specifically named on your policy
Unlisted drivers – people with your permission to drive the car but not named on the policy

If an unlisted driver has an accident in your vehicle, an unlisted driver excess may apply. In some cases, cover may be limited to listed drivers only. In other, less common situations – such as allowing someone to test drive your car if you are selling it – you may be covered. Read our Car Insurance PDS for more details.

Yes. When getting a car insurance quote, we’ll ask you about how you use your car, so try to have this information on hand when you start a car insurance quote:

private use – social, domestic, or commuting
business use – driving for work, earning income, or using your car for commercial purposes

We may be able to offer you cover in either case.

We accept most current and valid Australian and international driver's licences – as long as they’re recognised under Australian law.

Agreed value – the fixed amount we agree to insure your car for, shown on your policy schedule. This includes any accessories or modifications fitted or made to the car.
Market value – the reasonable and expected cost of replacing the car with a car of the same or a similar make, model, mileage, and condition immediately before an insured incident covered by your policy. Market value includes any factory-fitted accessories.

Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you.

¹ Youi Roadside Assist Available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For more details, see the roadside assistance T&Cs and Car PDS.
² If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll replace it with a new one, or pay you the market value or agreed value as per your policy schedule. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
³ Limits and exclusions apply. For more details, see the PDS.
⁴ 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 the PDS, TMD and your policy schedule.
⁵ Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. For more details, see the PDS.
⁶ Additional costs and restrictions apply. Cover available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁷ Available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the PDS.