Switching car insurance to Youi

The age old saying that time flies really is true, a whole year has passed and your car insurance renewal has just landed in your inbox.

As we all lead such busy lives it’s incredibly easy to just accept and pay this renewal – one less thing to think about until next year. However in our very busy lives the average person spends 1000 hours a year surfing the net, 1500 hours watching TV and 724 hours on the phone. So, isn’t it time you used some of those hours to grab yourself a great insurance deal?

Here are some handy tips to help you along the way.

Things to consider

View the PDS

That promotion at work, a new apartment, the new bike you now ride to work. With Youi, even the smallest change in your situation could save you money on your car insurance. So don't wait, make the switch and see how much you could save with a tailored car insurance quote. Call or start a quote online.

Renewal is the perfect time for many for a number of reasons. Firstly, waiting until your current policy term expires will negate the issue of mid-term cancellation fees and pro rata refunds so it should make it an easier process. Also the very fact that you’ve received your renewal notice means that your insurance is likely to be at the forefront of your mind and you’re armed with all the relevant info needed when obtaining comparative quotes.

Still, in saying that, there’s nothing stopping you from switching before your policy renews. If your circumstances change for example then it’s worth reassessing your insurance. Let’s say you now walk to work or work from home, there are some insurers out there that will reward this with attractive discounts and if the savings are there to be made why wait until renewal?

There are so many insurers out there and many of them offer different levels of cover so do your research to find out about them. Surely during the 1,500 hours of TV watching you noticed a few of their ads so put those hours, along with some of the 1,000 internet surfing hours, to shortlist a few to call and find out exactly what they offer and what it costs.

Write a list of what’s important to you; it’s not always just about price, for example if you’re a one car family a hire car may be a must.

Find out about the extra and optional covers the insurers on your short list offer. Some companies cover the contents inside your car, provide roadside assistance and hire car as standard or give you the option to purchase additional covers to enhance your insurance.

Then there’s the premium. How do you like to pay for your insurance? Some companies allow you to spread the cost and pay monthly, and others may offer a discount if you pay the annual amount in a one off lump sum.

Finally, remember to consider the excess. How flexible are different insurers when it comes to selecting an excess. Are you able to select an excess amount that works for you? If you are you’ll find that selecting a higher excess will lead to savings on your premium. Also are you or one of the car’s drivers under 25? Some companies may have what seems like an attractive premium however you may be hit with a large excess when you need to claim.

View the PDS

Product comparison

This product comparison chart will help you make your decision. It’s clear and simple, because at Youi - we get you.

Third Party Fire & Theft
Third Party Property Only
Not Covered

^ Youi roadside assistance is subject to limitations and exclusions.

* The extent to which you are covered under your CTP policy will depend on the severity of your injuries, if you are the driver at fault or not, or whether you are charged with a driving offence. For full details of coverage refer to www.sira.nsw.gov.au.

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