Where do I start!
Refused to pay out claim for stolen & damaged car. Police located vehicle 8mths later and offenders charged however because a kangaroo damage claim was made only 6mths prior they refused to approve and pay out the claim for the vehicle when it was reported stolen. And now despite police charging 2men with the theft & damage to the car Youi are still claiming they are not willing to pay.
And still chased up & harassed us for insurance payments despite us not having the vehicle for over 8mths and not being able to drive it out of the police recovered vehicle impound because Youi misplaced the ignition keys they had taken with them when the claim was first made. Absolutely shocking customer service and total waste of money and patience.
Youi - We get you - to give us a lot of information and then give you a ridiculously expensive quote
We bought a brand new car and did our homework looking for comprehensive insurance. I went online and got quotes from 3 of the big players before trying Youi. The cheapest of the other 3 was $1100 with excess free windscreen replacement, new for new replacement in the first 2 years for a write off, free hire car and the usual things for a comprehensive policy. I put the basic information in and then got the message that they will ring to finish the quote. 20 seconds later the phone rang and I was asked a lot of questions to tailer the quote to my situation. I gave them the same basic information as with the other quotes and a tonne of other information. I drive to work and drive less than 15,000km per year. The only difference with the Youi quote was they added 'free' roadside assistance. I was expecting a figure close to or below $1,000. I actually laughed at the guy from Youi when he told me my quote was $2455. When I told him the price from the other company he said that it was probably cheap for a reason and didn't cover what Youi covered. I was the NRMAs comprehensive plus cover which has everything that is in the Youi cover and more. Even factoring in NRMA roadside assistance, it is still less than half the cost of Youi. Youi, you don't get me!
Banned by YOUI after 1 not at fault accident! Appealed with facts just gets ignored!
In May 2016 my car was hit by a 19-year-old driver from behind at the lights and then it hit the car in front. The accident was immediately deemed not at fault. My car was a write off. This is my 1st ever claim with YOUI and my 1st claim in 20 years of driving.
When I called YOUI to request a quote for my new car and found out that YOUI will no longer offer me insurance, but they can't tell me why.
After an appeal I found out it was because there was another accident on the policy in August 2015. One which my wife was involved in where the driver in the parked car park behind her accidentally put their car in forward, instead of reverse. The claim was her 1st with YOUI with no claim or accident in the last 10 years. The claim was deemed not at fault.
I wasn't even involved in that accident. But YOUI have confirmed that they have considered the insurance history of the policy and evaluated that I am too high risk.
It was very difficult to get a straight answer from YOUI about who was actually banned from the policy the policy was listed against my wife's name, but I was a listed driver.
After one not at fault accident each, they are banning BOTH myself and my wife and counting each other's accident against the other driver.
I appealed to YOUI stating some strong facts in my appeal like I wasn't even present in the other accident. But these facts are just getting ignored. The YOUI reviewer doesn't seem to care what I have to say and keeps stating I have been banned based on the policy history. When the person doesn't even read the facts that you have to say it's not even an appeal process.
YOUI have since confirmed in writing that both accidents count against me. Even the one I wasn't present at.
Meaning, if you're listed on the policy, you're at fault and banned as a group! Regardless of whether you were present or not!
So we have both been in ONE NOT AT FAULT accident each and are now banned by YOUI.
I don't mind if YOUI doesn't want to offer me insurance, but they have now blacklisted me and defamed my reputation against all insurers without any care or consideration of your reputation. Another company has rejected my insurance as I have to tell them I have been refused insurance by YOUI.
This has been absolutely nightmare experience and I can't believe an insurance company in Australia that heavily advertises how much they listen on TV can behave like this.
Very, very UPSET and UNFAIRLY TREATED YOUI customer of several years.
Nothing they can do..
I've been with youi for 3 years now and never had a claim in the time of having my license. Got my renewal notice and its jumped $300 extra and agreed value has decreased. Nothing has changed in 12 month. After ringing to discuss the information and see why its gone up so much, they said its little factors but didn't say what they were. First lady was rude and didn't do anything. Next guy looked into it but said that's the best they could do. Over $1000 for insurance. Nope not paying that. When I've looked around and can get a better deal for around $500. Doesn't matter how long you have been with them or driving record, its all about taking money from people. They have lost a customer and I'll be sharing my story.
Unfortunately never go with them again
Someone hit our fence and the police has all car information number however Youi still want to charge us the claim access!!!! Why? Because I did not provide them the Car Rego Number however I did provide them the police event number which is enough for them to get all required information from the police! Still want me to pay access
Was due to renew my policy I sent an email saying (please don't renew my policy again they direct debit my annual renewal charges)
Youi - CAR INSURANCE Misleading information
Signed up a policy with Youi since 2014. The Agreed value for the car to be insured was over $19K. Noticed that each year it has been going down. When I questioned it with them they stated that it is in my product disclosure and that the word Agreed Value can have many meanings. No! I don't agree, I agreed to a value I wanted my car to be insured for and that is the amount I should get if the car is written off. Why put Agreed Value on the policy documents sent out, why not put Agreed value which Youi decides on not the purchaser of the policy. When I asked for a better rate of insurance they said no. They went on to say the insurance premium amount is based on weather, area, break ins in certain areas, seems it's not based on how many claims you make, where you keep your car parked or the age of the drivers.
Beware the hard sell!
I've just spent the best part of 25 minutes on the phone with a Youi representative trying to get a car insurance quote. This is after going through their website for a quote, only to find out it is a trick to get your personal details so that one of their representatives can call you. By comparison, I've had 4 other insurers quote online and each one took under 5 minutes to obtain a price. When I got to the end of the inquisition from the Youi representative, I asked him to email the quote through as I would like to discuss it with my wife. He suggested that he talk to her for a few minutes instead...clearly hoping to put the hard sell on her. Yes their quote was competitive, but their tactics and service are slimey and salesy.
Very bad service
Put in a claim for car insurance was told it was all sorted and then 4 mths later got a court summons as it was not settled no call from Youii to inform me of any problems was very unhappy with the whole claim will definitely be looking at changing company's.
youi, we get you "in the end"
Long story short, someone hits my car while making a turn by going into my lane and somehow youi tells me its my fault. A damage worth no more than $300.00 they ask for a $2500.00 excess. Go stuff yourselves. Canceled membership on the spot, spoke to the othe party and we agreed to let it go. Youi, we get you. (In the end they do get you...)
Double compared to other Insurance Premiums
Given the extensive "we will save you money" ads by Youi I thought I’d try it for my cars' insurance. I was in for a surprise!
• I was promised that they deal with any claims very quickly but I was on the phone for 30 mins just to get a quote for one car. (didn’t even try to get a quote for the second car!)
• My demerit points were taken into account to calculate the premium. No other insurance company that I know of does this.
• The key problems were (comparing like for like cars)
o The excess was 40% more than other insurers
o The premium was double what was offered by other insurers
• I’ll stay away from Youi!
So expensive!! Car insurance 1k renewal wollies $400!!
Very expensive mob, for a 2002 car and I have 15 years clean driving $1k at renewal. Woolworths insurance $400! Also can't cancel online or via email, have to call so they can try to 'win' you back. Jokers. Shop around don't believe the adverts.
Okay until you try to cancel your account.....
Had accounts with these guys for a couple years. Never had an issue with them, or with the one claim that I made, until I tried to cancel my accounts.
I cancelled them (in writing - I have a legal background and prefer to keep everything in writing) and yet Youi still rolled both accounts over. They were due for renewal about 3 months apart, so I hadn't realised that they had rolled the first account over despite my cancellation request.
It wasn't until I called to query the 2nd account being rolled over (they tried to charge me, but my account didn't have enough funds - thankfully - otherwise I may never have known my accounts were still active). I never even received an email advising me that my first account was renewed!
They now claim that I am not allowed a full refund for the first account, as I've "cancelled it too late"; and that they never received my cancellation emails - inputted through their own website! Which means that their website communications must be faulty, or they have staff who are not doing their jobs? Otherwise, one can only assume that the staff are trained to ignore cancellation emails such as mine and continue the process of rolling over those accounts unbeknownst to the customers? I do wonder what the Ombudsman would make of this.
I was shopping around for car insurance and ended up talking to youi. After going through the survey, which is by the way full of irrelevant question (over 30 min), I ended getting a quote of $105 per month for my car. I told the operator I didn't want to go ahead because I could get the same kind of insurance elsewhere but for $80 per month. After the "manager" chime in and give me a discount to match the other insurer prices I ended up going ahead with youi. Once everything has been finalized and I receive the policy by email, I have noticed that some details has been changed in order to match the new price (e.g. agreed value was changed from $18000 value to market value....etc) and other windscreen repair with free excess has disappeared from the policy. That is very dishonest, good thing I checked it all out. I ended up cancelling everything the next day.
Youi - Should change their name to FYoui
Senior couple, clean driving record, no claims - got an outrageously high quote from Youi. The rep checked it and said that the quote was so high because "Youi determined that we were an unacceptable risk and they didn't want our business". So there it is...
Don't use YOUI
Had a house claim earlier this year. Useless tradesmen and took a long time. I cancelled my policy renewal and they still debited my credit card. No worries they said and refunded it $52 short
DISGRACEFUL UNETHICAL PACK OF LYING BULLIES
my vehicle was rammed from behind by a youi client , as soon as they realised i only had third party with another company they started being relentlesly intimidating trying to hold me fully responsible threatening court action etc.
Over time as i provided them with evidence , photos etc showing their client at fault they eventually said they would close their books on it & i would not have to pay for their clients damage !!! but they refuse to pay for mine as they know i cant afford to take it to court , please dont ever even consider patronising these unethical cretins
just be aware youi lowlife scumbags , THERE'S MORE THAN ONE WAY TO SKIN A CAT !!!
Almost impossible to cancel my policy at renewal date!
Incredibly high pressure sales, made me very uncomfortable. I just wanted to cancel as Budget Direct was cheaper.
The sales person said that to cancel I had to go through a lengthy process with another team member or else my insurance rating would be affected? Complete fabrication to keep me on the line so that they could wear me down.
2 years with Youi, then virtually every other insurer was cheaper! Glad I never had to make a claim.
No option for full online quote
Tried getting your car insurance quote on line - got to a point where I had to call them to finalise it. I cancelled the whole thing.
The next day I got a call from them as if I requested it. No thank you.
My car was crashed into by a customer of Youi, so I was instructed by their claims department to hire a car for the 6 weeks while it was being repaired. When I sent them the receipts for reimbursement it took 5 attempts at communication and unfortunately the threat of going to the ombudsman before they finally paid me back the $1900. Sad for Youi as I would have been keen to consider them for my own insurance but given how slow and reluctant they were to pay out, I definitely wouldn't use them for my own cars.
Worst Claim service and prompted me to change provider immediately
Worst customer service and claim management. Claims officers were argumentative, rude and unhelpful. They're polite and great only when they want your business. When I threatened to make a complaint, I was told to go ahead - nothing was going to happen anyway.
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