Third party fire and theft car insurance
/ for individuals
We’ll have you covered for fire, theft and earthquake + damage to someone else’s property.
Car Hire After Theft
Car hire after theft for up to 14 days, included as standard with your third party fire & theft insurance cover.
From the moment you need us until you’re back on the road, our dedicated team of claims specialists is here to help.
We’ve got you covered to the tune of up to $20,000,000 for your legal liability if your car causes damage to someone else’s property.
We listen to you.
At Youi, we always offer a more tailored approach and it could save you lots. And with flexible excess options, there’ll be something to suit your budget too.
Our Third Party Fire & Theft insurance covers you for damages that your car causes, and damage caused to your car by fire, theft or earthquake. It also includes emergency accommodation, transport and repairs, and up to $750 cover for the contents in your car if your claim is accepted. Now that’s a smart combo.
With Youi’s 95% Customer Satisfaction Rating, it’s the perfect combo of exceptional value cover and great service.
Under both Comprehensive or Third Party Fire and Theft, you get car insurance for fire damage included.
Under a Comprehensive or Third Party Fire and Theft policy, you get car insurance for theft protection included.
We cover your car for damage caused by theft or attempted theft.
Includes cover for damage to the car caused by earthquake.
Our car insurance for third party property has you covered up to $20 million for your legal liability if your car causes damage to someone else’s property.
Cover includes the reasonable cost of towing and storage of the car to a suitable place for safekeeping nearest to the incident location after an insured event.
If your car is not safe to drive after an insured event, we'll reimburse the reasonable cost, up to $100, for personal transport from the scene of the incident, to and from the car’s repairer or to and from a hire car provider.
If you’re involved in an insured event that means your car isn’t safe to drive, and you're more than 100km from home, we’ll pay up to $1000 for your emergency accommodation, transport or repairs.
If you have a Comprehensive or Third Party Fire and Theft policy, we’ll pay for the reasonable cost of a hire car for up to 14 days following a theft or attempted theft which renders the car unable to be driven.
If you have Comprehensive or Third Party Fire and Theft cover, we’ll replace the following items that are on or in the car should they be damaged as a result if an insured event:
- Baby seat/s
- Personalised plates
- Window tinting
It’s not just your car we’ve got covered in the event of an insured event; we’ll look after your contents inside the car too. Comprehensive policies include up to $750 of cover, up to $150 per item.
Your unbraked trailer will be covered for up to $1,500 if it’s damaged as a result of fire, theft or attempted theft.
We will insure your replacement car, while you're trading in your current vehicle, for up to 14 days after the purchase, if your replacement car is purchased for less than $100,000.
Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.
We don’t expect our standard Third Party Fire and Theft Car Insurance policy to suit everyone, which is why we offer optional extras. It means you can choose the cover you want at the right price.
If you have a Comprehensive or Third Party Fire and Theft policy you can choose to add the optional hire car cover. This means that no matter which insured event takes your car off the road we’ll provide you with a hire car for up to 14 days.
If your business items are stolen from a locked boot or lockable compartment, or damaged as a result of an insured event we’ve got you covered. With our optional car insurance for theft protection, we’ll replace each item up to $200, with a maximum amount of $1000 per claim.
Cover for your contents inside your campervan or motorhome if they are lost or damaged as a result of an insured event.
Taking out the Choice of Repairer option allows you to choose a repairer outside of our extensive repairer network. However if you don’t select this option, we’ll manage the repair process from start to finish for you using one of our trusted repairers nationwide. All repairs we authorise come with a lifetime guarantee on workmanship.