Pay your premium annually, instead of by monthly instalments
- Car
- Home
- Motorcycle
- Watercraft
- Caravan & Trailer
40 Reasons
40 reasons you could
save with Youi.
From the colour of your car to how often you’re at home, there are 40 reasons you could save on your insurance.
How many apply to you?
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Drive less than 10km to work.
- Car
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Retired.
- Car
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Park securely, in a private & locked garage at night.**
- Car
- Watercraft
- Caravan & Trailer
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Use car in trip to work 2 days or less.
- Car
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Pay only one excess for one claims event, if you have multiple policies insured with Youi.**
- Car
- Home
- Watercraft
- Caravan & Trailer
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Ignore phone while driving.
- Car
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Obtained licence before turning 19.
- Car
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Home occupied day and night.
- Building
- Contents
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No demerit points.
- Car
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No tall trees (over 2 storeys tall) within 20 metres of home buildings.
- Home
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No gas appliances at home.
- Home
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Have a light coloured car.
- Car
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Home is less than 5 years old.
- Building
- Contents
- Landlord
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- Car
- Home
- Motorcycle
- Watercraft
- Caravan & Trailer
- Business
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House has a tiled roof.
- Home
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Audible alarm system installed.
- Contents
- Caravan & Trailer
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Been with current insurer for over 5 years.
- Car
- Home
- Watercraft
- Caravan & Trailer
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Don't drive to work.
- Car
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Roadside assistance included as standard with comprehensive car or motorcycle cover.
▲- Car
- Motorcycle
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No car modifications.
**- Car
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Unused premium portion refunded if car’s written off at claim’s time.
- Car
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Cover for up to $750 worth of contents if car's written off at claim's time.**
- Car
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Park securely during the day.**
- Car
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Boat not used for watersports.
- Watercraft
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Boat only used in inland waterways
- Watercraft
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No claim in the last 3 years.
- Car
- Home
- Motorcycle
- Watercraft
- Caravan & Trailer
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Caravan or trailer is less than 10 years old.
- Caravan & Trailer
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Owned motorbike for over 1 year.
- Motorcycle
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No swimming pool.**
- Building
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Emergency pet accommodation after an insured event.
- Contents
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On a full licence.**
- Car
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Motorcycle used in trip to work 1 day a week or less.
- Motorcycle
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Registered owner of another vehicle.
- Car
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Investment property managed through an agent.
- Landlord
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No shed on property.
- Building
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No sub-contrators.
- Business
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Business activities don't include hotwork.
- Business
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Have more than 5 years industry experience.
- Business
**
Our PDS contains full details of cover, including limitations or exclusions that apply.
▲
YouiRewards and offers subject to T&Cs and minimum and maximum spend requirements.
FAQS
How did Youi decide on these 40 reasons?
We looked at all of the different reasons that could save with Youi, and these are them! Many of them are tied to a lower risk rating; the lower the risk, the lower the premium.
Savings due to behaviour based risk factors are compared to Youi customers who don’t display the behaviour and based on internal data. Information current as at February 2018.
I tick a lot of these boxes. How come my premium’s still high?
Our team of actuaries and underwriters (fancy titles for insurance nerds) are tasked with assessing all of the risk data that we have and anticipating where you fit into it. While you might be less risky in some of the 40 reasons, you might be extra risky in others. It’s all a big balancing act that ultimately determines that number you see at the end of your quote.
All Youi premiums are subject to rating and underwriting, and savings based on your own individual circumstances.