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How to compare car insurance to find the best policy for you

With so many car insurance providers and policies on the market, dipping into the policy pool can be confusing. Use this guide for tips on how to find the car insurance that's ideal for you.

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Reviews

  • Value for Money
    4.0 (698)
  • Customer Service
    4.2 (714)
  • Timeliness
    4.1 (444)
  • Job Satisfaction
    3.8 (214)
  • Transparency
    4.0 (596)
  • Claim Resolution Time<1 week (24), 1-2 weeks (10), 2-4 weeks (7), 3+ months (6) and 1-2 months (6)
  • Claim ApprovedYes (47) · No (6)
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Reviewer Photos & Videos

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Terrible. Unfair & not clear policy

published
Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Car Modeltoyota chr
Claimant is the policy holderYes
Claim DateNovember 2020
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Grumbian

GrumbianGreater Melbourne (Inner), VIC

  • 6 reviews
  • 2 likes

Disgraceful advertising campaign

published

Youi (Suncorp) are completely disgraceful, currently marketing on Covid-19 devastating effects on people and their employment status. Suncorp is using this as a marketing campaign on tv to get more revenue. “It’s tough out there Australia” are their comments. Suncorp, don’t you think the businesses shut down and unemployed know that? So patronising to the Australian people. There’s a word for this behaviour that I can’t type on here. True non-neighbourly behaviour from a corporate.

Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
Amanda L

Amanda LNew South Wales

  • 2 reviews
  • 2 likes

Waste of time

published

SO HARD to get a quote from Youi. After all the questions on line, put all the information they will call you back and ask same, waste of time. All other insurance providers you can get a quote on line. I did that and after 15 minutes of time wasted, the quote was absolutely out of the market.
What a waste of time.

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
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DISASTER!!!

published

An absolute joke! Good & cheap, until you have an accident & have to make a claim!
Husband had a bingle 5 months ago. Poor communication - not one person had ever called to update us on who was in fault.

Took for us to call them to be told that husband was in fault based on the fact that the other car had a passenger & it was their word over his (other car were in fault).

Very disappointing. Will never call them for a quote or ever take out a policy even if it was given for free.

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time3+ months
Claimant is the policy holderYes
Claim DateJune 2020
See all answers

Quote

published

Never again. It is very hard to get a quote from Youi. All other insurance providers you can get a quote on line. For Youi you put in all the information on line, and they have to ring you back, and ask you all the questions again. I did that and after 15 minutes of time wasted, I was told sorry we can not insure your car because it is too expensive for Youi.
What a waste of time

Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
ian

ianSouth East Queensland, QLD

Cheep isnt good.....nice untill you make a claim

published

did you know youi take your excess even if your not at fault then you have to fight them to get your excess back....not worth the saving...woolworths is actually cheaper so swapping everything to them

Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claim Resolution Time1-2 months
Claimant is the policy holderYes
Claim DateSeptember 2020
See all answers
Emily O.

Emily O.Greater Melbourne (Metropolitan), VIC

Youi = excellent, efficient, helpful and friendly!

published
Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Car ModelMitsubishi Outlander
Claim Resolution Time<1 week
Claimant is the policy holderYes
Claim DateFebruary 2019
Claim ApprovedYes
See all answers
Unbiased reviewer

Unbiased reviewerSydney, NSW

  • 3 reviews
  • 3 likes

Good car insurer

published

Multiple good experiences. Another party at fault who said they had no money and no insurance. I provided a photo of their ID and Youi sorted it all. My husband was at fault on another. Of course had to pay excess but the rest was all sorted. Only speak to aussies in qld that are all helpful and easy to contact. Car repairs locations relatively close to home (one 10 mins and another 20 mins away). Repairers all smaller businesses and very helpful and friendly. Break down required towing and all covered with roadside assist. One of the cheaper providers. Cash back during covid as I used it less. No complaints.

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time<1 week
Claimant is the policy holderYes
Claim DateSeptember 2020
Claim ApprovedYes
See all answers
krisget

krisgetVictoria

  • 5 reviews
  • 1 like

Quote Almost Double Other

published

By far the most expensive quote, almost double what AAMI quoted and AAMI had more benefits than Youi too. I must say I was very surprised. Current insurer Suncorp $845, AAMI $681, Youi $1243, Allianz $921, Aust Seniors $829 and Budget Direct $681. All but Youi have an excess of $650 or $600 with these figures, Youi's excess with this quote was $900 - hate to imagine what the quote would have been if I changed the excess to around the $600, I didn't bother, I just deleted their quote. I will go with AAMI for this year and if their prices rise next year unfairly like Suncorp's did this year, I will shop around again next year.

Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelNissan Qashqai J11
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discounts on renewal

published

I got an email saying my renewal was coming up, and saw that premiums and excess had gone up despite no claims. However, I phoned the call line and the guy was very helpful and got my premiums reduced by $100. I then added an extra benefit, ended up still being less than the stated renewal with this benefit. I am happy they gate a discount but wish that a no claim discount had been automatically added and I didn't have to phone about it. Good customer service though.

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
Murray

MurraySouth East Queensland, QLD

  • 3 reviews

Georgie girl 10 Gold stars for you

published

New car, new policy, cost saving and seamless set-up. Been with Youi for years and have saved a bucket load. Don't bother getting other quotes because they reward you so well for loyalty.

Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeNo
See all answers
Ri T.

Ri T.Richmond-Tweed, NSW

Completely unreliable, slow process, no one to speak to!

published

My car was hit & in the garage. The garage sent an estimate to YOUI and a week later there is still no assessor appointed to even look at the estimate.

Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive and Compulsory Third Party
Plan covers drivers under 25No
Claim MadeYes
Car ModelTesla Model 3
Claimant is the policy holderYes
Claim ApprovedNo
See all answers

Barest minimum cover & rather than being pressured into comprehensive cover was able to view listed options

published

After comparing several insurance companies Youi provided the best value for money.
Found Ms Renelle Sparrow to be an absolute pleasure to deal with and in no way was I pressured to commit to coverage I didn’t require

Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
Incentivised ReviewNo
Insurance TypeThird Party Property Damage
Plan covers drivers under 25No
Claim MadeNo
Car ModelSubaru Forester
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Liz R

Liz RGreater Melbourne (Metropolitan), VIC

  • 6 reviews

Amazing service and savings

published

The sales agent was very helpful and knowledgeable. She took the time to find out about how I use my car and I got the same cover at half the price- saving over $600 a year. Looking forward to a long relationship with Youi

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelVolvo S60
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BUGSY

BUGSYSouth East Queensland, QLD

  • 2 reviews

Highly recommended

published

Emma was very easy to deal with her personality was warm and welcoming. Saved loads moving cars to youi. Friends recommend them and we couldn't be happier.we have not yet made a claim and hopefully won't need to but service so far has been outstanding

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelSubaru Liberty
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nicki1

nicki1

  • 3 reviews
  • 1 like

FANTASTIC SERVICE !!

published

Have been with YOUI for a number of years now and apart from providing great prices on their policies with Road Service included, YOUI were absolutely amazing recently when I had to make a claim for a car that was written off. From start to finish during the whole process, the staff could not have been more helpful, efficient and sympathetic making the experience a lot easier given the circumstances. Cannot rate their staff and service enough.

Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time1-2 weeks
Claimant is the policy holderYes
Claim DateSeptember 2020
Claim ApprovedYes
See all answers
Michelle Couch

Michelle CouchSouth East Queensland, QLD

Great product and Great Service

published

I am really pleased with the service from Kylie Palmer. Thanks so much for finding a great price and thoroughly explaining how the cover works for me too. I felt that Kylie made the time to find a policy that suited me and took the time to explain everything clearly. The whole process was more like an easy conversation with a mate instead of organising insurance. Thanks Kylie, thanks Youi

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelMazda CX-5 KF Maxx Sport
See all answers

Very good service and helped me get the best price.

published

Good Value, Good customer service, explained in an excellent manner was advised Road Side Assistance was included. Explained all terms and conditions with the policy. Very easy to set up.

Value for Money
Customer Service
Timeliness
Transparency
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeNo
See all answers

The reviewer stated that an incentive was offered for this review

michael

michaelperth

  • 18 reviews
  • 13 likes

No thinks

published

All the hype about cheaper well Im a senior who doesnt drive much 4000k per yerar and hasnt had an accident for 2 decades .
When I punched in the mountsin of details Youi ask for I found them more expensive than rac and sgio What waste of time

Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
Dee

DeeCentral Queensland, QLD

New comprehensive Policy

published

I found YOUI to be great value and the cheapest around. I did not like that it is market value. But loved talking to an Aussie/Kiwi. Great service that I hope I do not have to use as it will mean that I have been in an accident.

Value for Money
Customer Service
Timeliness
Transparency
Incentivised ReviewNo
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelSuzuki Jimny
See all answers
Page 1 of 335

Questions & Answers

Dee Q.

Dee Q.asked

Car Insurance

How much is it for car insurance fully comprehension for a 2012 Holden Barina please?
Rating one ... Never made a claim for any car I've had
Thank you

No answers
george goodrope

george goodropeasked

Car Insurance

need to know details about my car insurance. toyota corolla reg.xlv323

No answers
Bobdowne

Bobdowneasked

Car Insurance

Has anyone ever been able to get the ONLINE quote that they falsely advertise.

No answers

Get an answer from our members and Youi representatives

Details

Youi Car Insurance has produced many-a-happy customer, with Youi being an 2019 Award Winner in the ProductReview.com.au Awards.

Points of praise for youi:

  • Youi’s customer service was most praised, closely followed by their timeliness in responding to claims.
  • Reviewers appreciated their car insurance policies being set up quickly and efficiently. They reported staff being friendly and informative during this process. One 5-star review mentioned, ‘I felt that your company is more customer focused than the average insurer.’
  • The free roadside assistance included in youi’s Comprehensive Insurance policy was also an attractive feature for many reviewers, as some other companies charge for this in a separate agreement.
  • Many reviews also mentioned significant monthly cost savings compared to previous insurers.

Youi’s lower ratings, of which there were fewer, tended to focus on: a high excess charged for a policy with a lower premium, inconsistent quote amounts from one day to another, and certain policy quotes being expensive compared to other companies.

Compare all 3 Youi Car Insurance
CategoryRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car Insurance
Other Insurance Types Offered Business, Home and Contents and MotorcycleBusiness, Home and Contents and MotorcycleBusiness, Home and Contents and Motorcycle
Coverage TypeComprehensiveThird Party, Fire and TheftThird Party Property Damage
UnderwriterYouiYouiYoui
Legal Liability Cover Included up to $20 millionIncluded up to $20 millionIncluded up to $20 million
Roadside Assistance IncludedNot OfferedNot Offered
Reduced or Zero Excess Windscreen CoverReduced Excess Optional ExtraReduced Excess Optional ExtraReduced Excess Optional Extra
Choice of RepairerOptional ExtraOptional ExtraNot Allowed
After Accident Care
Hire Car after an Incident

Optional extra, benefit will cease from the time the first of the following occurs:

  • after a total hire period of 14 days;
  • when your claim is paid for a total loss; or
  • when the car is returned to you following repair

Optional extra, benefit will cease from the time the first of the following occurs:

  • after a total hire period of 14 days;
  • when your claim is paid for a total loss; or
  • when the car is returned to you following repair

Not Included

Emergency Transport & AccommodationCombined with Emergency Repairs, up to $1,000 before excessCombined with Emergency Repairs, up to $1,000 before excessNot Included
Towing Costs IncludedIncludedNot Included
Hire Car after a No Fault Accident

Included, benefit will cease from the the time the first of the following occurs:

  • when your car is paid for a total loss; or
  • when the vehicle is returned to you following repair

Not Included

Not Included

Essential / Emergency RepairsCombined with Emergency Transport & Accommodation, up to $1,000 before excessCombined with Emergency Transport & Accommodation, up to $1,000 before excessNot Included
Benefits
Pay As You Drive / Fixed Kilometre DiscountNot OfferedNot OfferedNot Offered
Hire Car after Theft

Included, benefit will cease from the the time the first of the following occurs:

  • after a total hire period of 14 days;
  • when your claim is paid for a total loss;
  • when the car is returned to you following repair; or
  • when the car is returned to you when it is recovered undamaged

Included, benefit will cease from the the time the first of the following occurs:

  • after a total hire period of 14 days;
  • when your claim is paid for a total loss;
  • when the car is returned to you following repair; or
  • when the car is returned to you when it is recovered undamaged

Not Included

Lock and Key ReplacementIncluded up to $1,000Included up to $1,000Not Included
Transit Cover Not IncludedNot IncludedNot Included
Trailer & Caravan CoverNot IncludedNot IncludedNot Included
Child Safety Seats and PramsBaby Seat Replacement IncludedBaby Seat Replacement IncludedNot Included
New-for-old Car Replacement

Car replacement or the replacement cost of a new one if the car is assessed as a total loss within the first 24 months:

  • since it was registered in the policy holder's name and had less than 500 km on the odometer
  • it had travelled less than 40,000 km since it was first registered

Car replacement or the replacement cost of a new one if the car is assessed as a total loss within the first 24 months:

  • since it was registered in the policy holder's name and had less than 500 km on the odometer
  • it had travelled less than 40,000 km since it was first registered

Car replacement or the replacement cost of a new one if the car is assessed as a total loss within the first 24 months:

  • since it was registered in the policy holder's name and had less than 500 km on the odometer
  • it had travelled less than 40,000 km since it was first registered
Personal Property CoverIncluded up to $750 per claim, up to $150 per itemIncluded up to $750 per claim, up to $150 per itemNot Included
Uninsured Motorist Benefit Not IncludedIncluded up to $5,000Included up to $5,000
Accidental Loss or Damage
Malicious Damage / VandalismIncludedNot IncludedNot Included
FireIncludedIncludedNot Included
CollisionIncludedNot IncludedNot Included
Natural EventsIncludedNot IncludedNot Included
Theft or Attempted TheftIncludedIncludedNot Included
Compare all 3 Youi Car Insurance

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