G'day RayRay. From our experience with Youi on this subject, they will ask you to call them so they can record the conversation. Youi has so many different excesses they apply you really need to see it in writing. Can I suggest you try the Canstar website and compare insurers. You will see that Youi is rated 11th out of 12 insurers that offer under 25's insurance.
We used the Canstar site to find our new insurers.
I hope this assists you in making an informed decision. Cheers
Boris Yasminsky replied on Mar 26, 2017