Car insurance in NSW 

The cost of car insurance in NSW depends on a few key factors, such as:

• Your age – if you’re under 25, you may be considered riskier to insure, which could mean a higher insurance premium
• The type of car you drive – its make, model, age, market value, condition and even colour might impact the cost of insurance
• Your personal driving record – how long you’ve held your licence for and any demerit points you’ve incurred could affect your insurance premium
• Your location – where you live and where your car is usually parked (for example, on the street, in a garage or in a driveway) can make a difference to your car insurance premium
• The cover you choose – from Third Party Property Only to Comprehensive, the level of cover you choose also affects the cost of insurance
• How you use your car – whether it’s for private use or for business may also impact your insurance premium.

To get a better idea of how much car insurance in NSW might cost you, consider starting a car insurance quote online.

In NSW, you’re legally required to buy a Compulsory Third Party (CTP) insurance policy before you can register or re-register a car. Called a Green Slip, it covers injuries to people if there’s an accident, including the driver of your car, regardless of fault.¹²

Youi offers Green Slip insurance in NSW.

But CTP insurance doesn’t cover damage to cars or property – for that, you might like to explore other insurance policy types such as comprehensive car insurance or a third party car insurance policy.¹³

If you’re after more cover – say, if your car’s stolen,² involved in an accident,⁵ damaged by storms,^5,6 or causes damage to someone else’s vehicle or property⁷ – we’ve got options that could work for your lifestyle and budget.

Take a closer look at Youi’s Third Party Property Only, Third Party Fire & Theft and Comprehensive car insurance policies to see what’s included for NSW drivers. For full details, read our car insurance PDS.

Because each slip serves a different purpose in NSW, you might. Here’s what each is for:

• Green Slip – In NSW, this is Compulsory Third Party (CTP) insurance and you’ll need to buy a policy before you can register your car.¹¹
• Pink Slip – Also known as a safety inspection report, Pink Slips are required when you’re registering a car that’s more than five years old in NSW, regardless of whether you’re renewing your rego or registering a vehicle for the first time.¹⁴
• Blue Slip – Now known as an Authorised Unregistered Vehicle Inspection Scheme (AUVIS) report, your car will need this if:¹⁴
  • The registration expired more than three months ago
  • it has been brought into NSW from another state or territory
  • it has no number plate
  • it’s a write-off that’s been approved for re-registration.¹⁴

At Youi, in addition to Compulsory Third Party (CTP) insurance, we offer three different levels of car insurance in NSW:

• Comprehensive car insurance – This covers your car for theft,² certain types of severe weather events including storms or a flood,^5,6 and intentional and accidental damage – even if a car accident is your fault.⁵ It also includes cover for damage your car causes to other people’s cars and property.⁷
• Third Party Fire & Theft – Includes cover for your car for fire damage^3,6 and theft,² as well as your legal liability if you damage someone else’s vehicle or property.⁷
• Third Party Property Only – Covers damage to someone else’s vehicle or property – but doesn’t cover your car for damage.⁷

For NSW drivers, getting a car insurance quote with Youi is simple. We’ll ask about your car, how you use it, and your driving history and help you explore cover options that fit your needs and budget.

You can get a car insurance quote started online or by giving us a call on 13 9684 and we’ll guide you through the rest.

Lodging an insurance claim with Youi is simple, thanks to our 5-step process. Here’s what you can expect.

Step 1: Lodge
A claim can be lodged over the phone or anytime online. You’ll need your policy number and information about the incident, including what happened, where and when.

Step 2: Assess
We’ll evaluate the damage, outline what happens next, provide regular updates and let you know if your claim is accepted.

Step 3: Action
If your claim’s given the green light, we’ll move forward with arranging repairs, depending on your level of cover.

Step 4: Track
Keep tabs on your claim with our online tracker so you’re never left wondering what’s happening or what comes next.

Step 5: Resolve
Once repairs are complete and your claim is settled, we’ll close the file.