Car insurance updates

We’ve been busy making updates to our car insurance cover to help make things a little clearer for you.

See what's changed

This table is a guide and lists the main changes to the Car Insurance Product Disclosure Statement (PDS). The information in the table does not replace or vary our PDS so please read the entire PDS for details of features and benefits and to ensure that this product is right for you. 


Cover types

Comp: Comprehensive 
TPFT: Third Party Fire & Theft
TPPO: Third Party Property Only  

PDS section Cover Page # Update type Change in the PDS PDS Effective Date
Important Information 3-12
Your responsibilities: 2. Notify us of any changes
7 Clarification You must notify us as soon as practically possible if any of the specified changes listed under ‘Notify us of any changes’ occur. 05 Jul 2023
Your responsibilities: 9. Treat our people with respect
8 Clarification If this requirement is not met, we can cancel any policy you have with us and, where relevant, we can remove you as an authorised person from any other Youi policy. 05 Jul 2023
About your cover 13-23
13 Reduction Cover removed from Third Party, Fire and Theft policies only. Earthquake cover still applies to Comprehensive policies. 05 Jul 2023
Uninsured Third Party
16 Clarification Third Party, Fire and Theft and Third Party Property Only policies: Cover relies on you providing us with the third party’s name, phone number, and other information. If you are unable to obtain the third party details due to the circumstances of the incident, please contact us. 05 Jul 2023
Temporary Replacement Cover
17-18 Benefit All policies: Removed the additional $1,000 excess payable if you made a claim during the 14 days after you sold or gave away the car if you had not informed us of the replacement car. 05 Jul 2023
Youi Roadside Assist
18 Clarification Comprehensive policies: The full terms, including the limitations and exclusions, have been removed from the PDS and are now a separate document Youi Roadside Assist Terms and Conditions. 05 Jul 2023
General exclusions
22 Reduction 34. Wear and tear, rust, corrosion, and deterioration exclusion extended to structural fatigue or structural failure. Roof and body seals stated as examples for the exclusion. 05 Jul 2023
Claiming 24-30
How we settle your claim: 3. If you are claiming for accessories and modifications
26-27 Clarification The amount formerly noted on your policy schedule as “After Market Accessories” is now noted as “After Market Accessories and Modifications”. 05 Jul 2023
How we settle your claim: 5. New Car Replacement
28 Clarification If you choose not to accept the replacement car or an agreement cannot be reached on a suitable replacement car, or if a suitable replacement car is not available within 6 months, we will settle your claim under the If The Car or Unbraked Trailer is a Total Loss section. 05 Jul 2023
PDS section Page # Update type Change in the PDS PDS Effective Date
Important Information 4 - 11
Cancelling your policy 4 Benefit Cancellation fee reduced to $22, with clarity on when this will apply. 05 Apr 2021
What if I have a complaint? 5 Clarification Updated details regarding our complaints process. 04 Sep 2021
Your duty of disclosure / When answering our questions 6 Clarification The Duty of Disclosure has been replaced with the duty of an insured “to take reasonable care not to make a misrepresentation when answering our questions”. 05 Apr 2021
Your responsibilities 6 - 7 Clarification Improved transparency with expanded section on the requirement to maintain a valid email address. 05 Apr 2021
7 Clarification Responsibility to ‘Maintain the car in a roadworthy condition’ has been changed to ’Keep the car and unbraked trailer in good and safe condition’. 05 Apr 2021
What do these words mean 9 Reduction Earthquake: definition changed, no longer includes landslip. 05 Apr 2021
10 Clarification Roadworthy: updated to clarify compliance with the roadworthy requirements of the state in which a car or trailer is being used. 04 Sep 2021
10 Clarification You / your / yours: removed reference to "employee/s and household member/s or any person acting for the policyholder, business or for a household member". 05 Apr 2021
Accessories and modifications 11 Clarification How to include accessories and modifications in the market value or agreed value. 05 Apr 2021
About your cover 11 - 22
Theft 12 Clarification Examples provided for what "reasonable precautions" are required when the car is being test driven. 05 Apr 2021
Legal Liability 12 Reduction Legal Liability includes cover for the driver of the insured car and substitute car; cover while driving any uninsured car has been removed. 05 Apr 2021
Personal Transport 13 Benefit New cover for the reimbursement for personal transport costs up to $100 after an insured event. 05 Apr 2021
Hire Car 13, 14 and 19 Clarification Updated to clarify what type of hire car is provided in various circumstances. 05 Apr 2021
13, 14 and 19 Clarification Confirmation of running costs that are not covered. 05 Apr 2021
13 , 14 and 19 Reduction Extended exclusion to also exclude hire cars used for paid delivery services. 04 Sep 2021
Uninsured Third Party 14 Clarification Clarified information required about a third party. 05 Apr 2021
Unbraked Trailer 15 Benefit Previously Optional Cover, now automatically included as Extra Cover in Comprehensive and Third Party Fire and Theft policies. 05 Apr 2021
15 Reduction Cover reduction from $2,500 to $1,500. 05 Apr 2021
15 Reduction No longer available for Third Party Property Only policies. 05 Apr 2021
Temporary Replacement Cover 16 Benefit Previously Immediate Replacement Car cover; includes cover for when the car is given away. 05 Apr 2021
Counselling Services 16 Benefit Removed 6-month limit to commence counselling. 05 Apr 2021
Funeral Expenses 16 Benefit New Extra Cover for Comprehensive policies; includes up to $5,000 for funeral expenses as a result of an accident. 05 Apr 2021
Maritime Liability - Reduction No longer available. 05 Apr 2021
Business Items (optional) 19 Clarification Increased cover limits to $400 per item and $2000 in total per claim. 04 Sep 2021
19 Reduction No longer available for Third Party Property Only policies. 05 Apr 2021
Choice of Repairer (optional) 20 Clarification Additional information about how we assess and approve repairs for your choice of repairer. 05 Apr 2021
General exclusions 21 Clarification Exclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency. 05 Apr 2021
Claiming 23 - 28
Authorised persons on your claim 23 Clarification Updated section describing (1) how to add an authorised person and (2) conflict of interest. 05 Apr 2021
How we settle your claim 24 - 27 Clarification Updated section providing clarity on how we settle claims. 05 Apr 2021
How we settle your claim – New car replacement 27 Benefit Removed the 500km limit for when the car is purchased, and the 40,000km limit for when the incident occurs. 04 Sep 2021
27 Reduction For demonstrator cars, the 24-month replacement period now applies from when the dealer first registered the car, rather than when it was first registered by you or a listed driver. 04 Sep 2021
Excess 27 - 28 Clarification Clarification of how and when an excess applies. 05 Apr 2021
Actions of others 28 Benefit New section describing circumstances where cover may not be limited by the actions of other people. 05 Apr 2021