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 and Theft
TPPO: Third Party Property Only
| PDS section | Cover | Page # | Update type | Change in the PDS | PDS Effective Date |
|---|---|---|---|---|---|
| Important information | 4 - 13 | ||||
| Your responsibilities: 2. Notify us of changes |
Comp
TPFT
TPPO
|
8 | Clarification |
The terms ‘charged with’ and ‘wilful damage’ have been added to this condition. During your contract period you must notify us as soon as practically possible if:
|
03 Jul 2024 |
| About your cover | 14 - 25 | ||||
| Extra cover: 5. Hire Car Following a Theft |
Comp
TPFT
|
17 | Reduction |
What is not covered? A car that is used as a rental or hire vehicle. |
03 Jul 2024 |
| Extra cover: 6. Hire Car Following a Not at Fault Accident |
Comp
|
18 | Reduction |
What is not covered? A car that is used as a rental or hire vehicle. |
03 Jul 2024 |
| Extra cover: 10. Contents Inside the Car |
Comp
TPFT
|
19 | Reduction |
What is not covered? Cash, other negotiables or any items which can be exchanged for cash (such as vouchers, money orders or tickets), smartcards or phone cards. |
03 Jul 2024 |
| Optional cover 1. Hire Car for Other Insured Events |
Comp
TPFT
|
22 | Clarification |
What is not covered? A car that is used as a rental or hire vehicle. |
03 Jul 2024 |
| Optional cover 3. Campervan/Motorhome Contents |
Comp
TPFT
|
23 | Reduction |
What is not covered? Cash, other negotiables or any items which can be exchanged for cash (such as vouchers, money orders or tickets), smartcards or phone cards. |
03 Jul 2024 |
| General exclusions |
Comp
TPFT
TPPO
|
24 | Clarification |
We will not pay for: 2. repair of the car to a better standard, specification, condition or quality than existed prior to the incident covered by your policy. |
03 Jul 2024 |
| Claiming | 26 - 34 | ||||
| Responsibilities when you make a claim |
Comp
TPFT
TPPO
|
28 | Clarification |
Authorised persons and drivers have been added to this condition. 9. You, any authorised person, a listed driver, and any person who was driving the car or substitute car with your or a listed driver’s permission at the time of the incident that you are claiming for, must give us full co-operation and comply with all our requests in relation to your claim. |
03 Jul 2024 |
| How we settle your claim: 3. If you are claiming for accessories and modifications |
Comp
TPFT
|
29 - 30 | Clarification |
Section updated to more clearly explain how we settle a claim for accessories or modifications when the car is a total loss. |
03 Jul 2024 |
| How we settle your claim: 4. Contribution to repairs |
Comp
TPFT
TPPO
|
31 | Clarification |
New section explaining how we will settle your claim where we are unable to carry out repairs due to the condition of the car or unbraked trailer prior to the incident. This can involve you making a financial contribution to the repairs. |
03 Jul 2024 |
| Excess |
Comp
TPFT
TPPO
|
33 | Clarification |
The single excess benefit when claiming on more than one Youi policy for the same incident extends only to a spouse’s or defacto partner’s policy where the policyholders are not the same person or legal entity. |
03 Jul 2024 |
| 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 |
Comp
TPFT
TPPO
|
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 |
Comp
TPFT
TPPO
|
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 | ||||
| Earthquake |
TPFT
|
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 |
TPFT
TPPO
|
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 |
Comp
TPFT
TPPO
|
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 |
Comp
|
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 |
Comp
TPFT
TPPO
|
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 |
Comp
TPFT
|
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 |
Comp
TPFT
TPPO
|
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 |