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Comprehensive Car Insurance

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

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What is Comprehensive car insurance?

As the name suggests, Comprehensive car insurance is our highest level of car insurance, covering accidental damage to your car,1 damage from storm, hail, flood or fire,2 theft,1 third party property damage3 and more. For full details, see our Comprehensive car insurance PDS.1

Roadside assist

24/7 Roadside Assist

Flat battery? Locked out? Need a tow? Youi Roadside Assist is automatically included with Comprehensive insurance, so 24/7 help is just a call away.4

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Claim online, anytime

Claim online, anytime

Accidents don’t wait – and neither do we. Lodge and track your Comprehensive vehicle insurance 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 purchasing it new or as a demonstrator car from a licensed motor dealer, with Comprehensive insurance, we’ll pay to replace it with a new car.5

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.1

Accidental damage

Accidents happen, and whether it’s a major collision or a small car park scrape, we’ll cover the cost to repair or replace your vehicle.1

Storm, hail or flood damage

Damage from severe weather events such as storms, hail and floods is covered when you have a Youi Comprehensive car insurance policy.2

Fire

From engine fires to bushfires, if your car sustains fire damage, we’ll cover the cost to repair or replace it.2

Earthquake

In the unlikely event of an earthquake, your car will be covered if it’s damaged.1

Towing costs

If your car’s deemed unsafe to drive after an insured event, we’ll cover the reasonable cost of towing it to– and storing it at – the closest suitable location, for example a nearby repairer or salvage yard.1

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 a maximum of $1,000 for emergency transport, accommodation and repairs to the car.1

Hire car after a not at fault accident

If you’re involved in a not at fault accident and have provided us with the details of the other driver, 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.1

Hire car after a theft

We’ll organise and cover the cost of a compact hire car for up to a total hire period of 21 days to help you stay on the move if your car is stolen.1

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 a maximum of $750 per claim.1

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 cost to repair or replace it.1

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 pay to replace it with a brand new one.5

We’ll cover your car if someone steals it or damages it during an attempted theft.1

Accidents happen, and whether it’s a major collision or a small car park scrape, we’ll cover the cost to repair or replace your vehicle.1

Damage from severe weather events such as storms, hail and floods is covered when you have a Youi Comprehensive car insurance policy.2

From engine fires to bushfires, if your car sustains fire damage, we’ll cover the cost to repair or replace it.2

In the unlikely event of an earthquake, your car will be covered if it’s damaged.1

If your car’s deemed unsafe to drive after an insured event, we’ll cover the reasonable cost of towing it to– and storing it at – the closest suitable location, for example a nearby repairer or salvage yard.1

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

If you’re involved in a not at fault accident and have provided us with the details of the other driver, 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.1

We’ll organise and cover the cost of a compact hire car for up to a total hire period of 21 days to help you stay on the move if your car is stolen.1

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 a maximum of $750 per claim.1

If someone – other than you, a listed driver or anyone with permission to drive your car – deliberately damages your car, we’ll cover the cost to repair or replace it.1

If your new car is a total loss due to an insured event within 24 months of it being first registered, we’ll pay to replace it with a brand new one.5

Optional cover

Some drivers prefer reduced excess in the event they only need their windscreen replaced, others might need a rental car to keep life on track after an insured event. With our optional add-ons, you can shape your Comprehensive car insurance policy to better suit your needs.

Not all options are available on every policy, so if you’re interested in an optional cover, just ask us and we’ll advise what’s available for 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.1

Hire car cover for other insured events

Even if you’re at fault, we’ll organise a compact rental car for a total hire period of 21 days while your car is being repaired when you add this optional extra to your Comprehensive car insurance 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.1

Even if you’re at fault, we’ll organise a compact rental car for a total hire period of 21 days while your car is being repaired when you add this optional extra to your Comprehensive car insurance 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

At Youi, we’ve always been committed to making things clear and easy to understand – including what’s not covered in your Comprehensive car insurance policy.

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

Repair of poor workmanship, materials or defects

We don’t cover failed repairs due to poor materials or workmanship – unless we arrange and authorised the repairs under our Quality Guarantee.7

Incidents outside your coverage period

If an incident happens before or after the coverage period noted on your car insurance policy schedule, 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 any damage caused by 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.2

We don’t cover failed repairs due to poor materials or workmanship – unless we arrange and authorised the repairs under our Quality Guarantee.7

If an incident happens before or after the coverage period noted on your car insurance policy schedule, 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 any damage caused by 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.2

Comprehensive 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.

Make a claim

Manage your Comprehensive insurance with ease

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

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Know your car insurance policy inside and out

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

Read our PDS

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.

Make a claim

Manage your Comprehensive insurance with ease

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

Login

Know your car insurance policy inside and out

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

Read our PDS

Flat battery? 24/7 Roadside Assist is included

Whether it’s a dead battery on a Monday morning or a flat tyre at midnight, 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.

Call 13 11 17 and we’ll help you get moving.4

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See why Australians trust Youi

Our customers say it best – we’re known for being friendly, professional and genuinely helpful. Backed by thousands of positive Trustpilot ratings and comprehensive car insurance reviews, we're here to make things as smooth as possible.

From exploring coverage options and getting quotes to renewing your policy and making an insurance claim, let us help support you every step of the way

Read our comprehensive car insurance reviews below to see what customers have shared about their recent experience with Youi.

Excellent Youi Trustpilot star rating
Youi Insurance 5 star Trustpilot review
22 Apr 2026

New Youi customer - very happy

New Youi customer with comprehensive car insurance. On a road trip and needed emergency service to replace windscreen. Called Youi and they answered right away.. no 10 minute recording like other companies. Great service on the phone and the claim was sorted almost immediately. They contacted glass company. Very impressed!

Caron
Youi Insurance 5 star Trustpilot review
15 Apr 2026

Claire was awesome

Claire was a delight to deal with, saved me a ton of money when renewing my comprehensive car insurance policy. Her manner was friendly and professional and she explained everything perfectly. Will be reviewing other policies with Youi going forward.

Kay
Youi Insurance 5 star Trustpilot review
20 Mar 2026

I finally wanted to change providers…

I finally wanted to change providers and youii did not disappoint I saved $600 on my comprehensive car insurance. I can’t believe it ! Thx

Kim
Youi Insurance 5 star Trustpilot review
19 Feb 2026

Great customer service given by…

Great customer service given by Joshua,covering everything to suit our needs for Comprehensive car insurance.

Alison
Electric vehicle car insurance

We have Comprehensive car insurance for EVs too.

Electric cars are also covered by Youi’s Comprehensive car insurance, so whether you’re concerned about accidental damage or battery replacement4 after an insured event, we’ll arrange repairs – and a rental car to keep you moving.1

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Comprehensive car insurance FAQs

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

Whether or not Comprehensive Car insurance is right for you and your car will depend on a range of factors. These include whether you could afford to repair your car if it was damaged – for example in a car accident or a collision – or if you could afford to replace your vehicle if it was stolen.

Our 2024 Car Care & Costs Report shows that 77% of drivers have comprehensive vehicle insurance for their car – but that doesn’t automatically mean it’s the right choice for every vehicle or driver.

You might like to explore our guide on what comprehensive car insurance is to help you decide whether comprehensive coverage is worth it for you and your situation.

 

As Youi’s highest car insurance cover, Comprehensive car insurance provides coverage for a wide range of insured events, including:1,2

  • Natural events such as storms, hail and fire
  • Theft and attempted theft
  • Intentional damage and some other malicious acts
  • Accidental damage, including damage sustained in a car accident or another type of accidental collision, such as reversing into a post.1,2

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

  • Repair of defects, poor workmanship or faulty design7
  • 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.2

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.

Yes. Youi Roadside Assist is automatically included in our Comprehensive insurance, so you’re covered for tyre changes, a flat battery and towing, if you need it, provided the incident occurs more than 24 hours after your policy starts.4

If you have Youi Roadside Assist, youcan arrange emergency assistance by giving us a call on 13 11 17, 24 hours a day, 7 days a week.4

Yes. The costs of windscreen repair – or replacement – is covered by Comprehensive car insurance policies if it’s caused by an insured event.1

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.1

This allows you to pay less excess on claims that solely involve the windscreen, window glass or sunroof glass.1

The cost of comprehensive vehicle insurance depends on a number of factors – including the type of car you’re insuring, your driving history and the excess amount you choose – so it will vary from policy to policy.

For a more accurate idea, you might like to start a Comprehensive car insurance quote.

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 Comprehensive car insurance quote for a more accurate idea on how much you’ll pay for a car insurance policy with Comprehensive coverage.

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

Opting for a lower excess means paying less if you claim for an insured event. But, it could 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 insurance covers damage to your car and other people’s cars and property, plus events such as theft, fire, hail and storms.1,2
  • Third Party Property Only covers damage your car causes to other people’s cars and property, plus cover for fire and theft of your vehicle.1
  • Third Party Fire & Theft only covers damage your car causes to other people’s property and cars – not your own.3
  • 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 consider starting a 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.1 Read the Car Insurance PDS and your policy schedule for more details.

 

Yes. When you’re getting a Comprehensive car insurance quote, we’ll ask you about how you use your car, your employment status and occupation, so try to have this information on hand when you’re ready to start a 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.1

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

The difference between Agreed Value and Market Value is how much you’d be paid if your car is written off as a total loss or stolen and not recovered. It works like this:

  • 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.1
  • 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 and an allowance up to the amount noted on your policy schedule for after market accessories and modifications.1

Comprehensive car insurance guides

Browse our collection of Comprehensive insurance articles and go-to explainers to help you decide whether comprehensive car insurance is right for you.

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Comprehensive Car Insurance Costs: How Premiums Are Calculated

Want to know how comprehensive car insurance costs are calculated? We explore the factors that might affect your premium and tips that could help you save.

Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD when deciding if the product is right for you.  

1 Conditions, Limits and exclusions apply. For full details, see the PDS, TMD and your policy schedule.
2 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 full details, see the PDS, TMD and your policy schedule.
3 Available with all levels of car insurance except CTP. Limits and exclusions apply. For full details, see the PDS, TMD and your policy schedule.
4 Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits, waiting periods and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For full details, see the PDS, T&Cs & TMD.
5 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 pay to 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. Product issued by Youi Pty Ltd. Consider our Car PDS to decide if this product is right for you. For full details, see the PDS, TMD and your policy schedule.
6 Additional costs and restrictions apply. Cover available with Comprehensive policies only.For full details, see the PDS, TMD and your policy schedule.
7 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you 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. Product issued by Youi Pty Ltd. Consider our relevant PDSs when deciding if a product is right for you. For full details, see the PDS, TMD and your policy schedule.