Youi Car Insurance

I can't thank YOUI enough for how incredibly easy they were able to organise my claim after my car was rear-ended in early February (2026). I also had forgotten to book a rental car in advance on the day I dropped off my car for repair. I was worried I may not be able to get a rental car at short notice, but with the help from Tim at YOUI,… Read more

after communicating with Hertz, I had a car within half an hour.

I can't thank YOUI enough for such great efficiency. One of the best decisions I've made in recent years was choosing them as my car insurer.

I was involved in an unfortunate accident with a Kangaroo on the morning of the 11 March '26 at 1:20am. Fortunately, I believe he/she managed to survive it, but can't be said for my car. I lodged a claim with Youi on their app at around 11:00am. No more than one minute passed before I received a call from a customer service agent, who then swiftly… Read more

arranged for my car to be assessed the following morning. This morning I took it in for assessment at 9:00am. I have just received notification of the claim being accepted and the car can be booked in for repair. That is terrific service, greatly appreciated and no red tape to deal with.

Had a fantastic experience with Sierra today! She was very polite, patient and accomodating to finding the best deal on my car insurance. Previously I have been with AAMI which has historically given me a great rate for my car. Sierra went out of her way to assess how to bring my premium down, was patient with me checking in with AAMI, and… Read more

provided a call back later at my time. Sierra was able to provide a better product that AAMI (third party fire and theft with $5k cover for my car (which is enough) at approximately $60 cheaper than AAMI! $60 cheaper sure beats the loyalty tax I was paying with AAMI for the last 4 years. I hope Sierra is provided some commission for her outstanding customer service skills, including being empathetic to my current financial circumstances.

⭐⭐⭐⭐⭐ I rang Youi today to add an L-plater to my comprehensive car insurance and honestly expected the premium to skyrocket. I was pleasantly surprised to find that not only did it cost very little to add the extra driver, but after the consultant reviewed my details my insurance actually decreased by $80. The service was excellent, the assistant… Read more

was helpful and thorough, and the price was brilliant. A really positive experience and great value for money.

There was a minor accident while parking and Youi insurance took care of the claim very well. I would like to specially call out HAWKESBURY ACCIDENT REPAIR CENTRE who did an amazing job and the car looked like new. Though there was a slight delay due to the delivery of an additional part but when I looked at the professionalism and the way they… Read more

handed over the car, I am ok to excuse the delay. This was my first claim ever and they did a great job, thank you!

The service was processional and caring and very quick and only been with youi since March Show details

The service was solid, but what really made the difference was Emily. After I submitted my details, she gave me a call almost straight away. She was easy to talk to, knew the product inside out, and explained things clearly without any fluff or pressure. It wasn’t just a sales call. She actually helped me understand things I wouldn’t have picked… Read more

up on just reading online. Her approach was calm, thorough and professional, which made the whole process really smooth.

Coming from a service business myself, I respect that kind of effort. I had my certificate of currency within five minutes and everything just worked the way it should.

On price, it stacked up well too. Even after factoring in the online discount, it ended up 25 dollars a month cheaper than my old policy and included roadside assist.

Because of the service I received, I’ll also be moving my second car policy over to Youi.

I've been a long-term sceptic of insurance, car, home, travel or life, but certain things are required at certain stages of life. Today, I went shopping for comprehensive car insurance for a new Tesla Model Y. I was not hopeful as I stopped buying comprehensive car insurance some 15 years ago, meaning I don't hold any no-claim bonus ratings....I… Read more

tried all the big names, Allianz, QBE, NRMA, Zurich, Budget Direct, Coles, Woolies, AAMI.....all had exorbitant premiums ranging from $1640 to $2400 per year...even with a $1200 excess. Completely by accident, I filled out a quotation from YOUI, and a representative called me. You see, I Googled NRMA, and the search yielded YOUI at the top of the page. It said. "Start a Quote" so I did. Lo and behold, a very pleasant person called, and enquired, "I'm ringing you about an online quotation, may I assist"? Well, after a most engaging conversation, I was given a quotation that was easily the best of the previous bunch. Without giving too much away, it was around $250 under NRMA (the next best), and I'm a 50 year Gold Member! Now I know why my son is with YOUI. Note, photo is my test drive car, but my one comes in a week!

After experiencing a stressful car accident, I was initially overwhelmed by the claims process. However, Youi turned what could have been a nightmare into a calm and well-handled experience. Their team was professional, responsive, and genuinely supportive throughout the entire process. From the first call to the final settlement, everything was… Read more

clearly explained and handled with care. I truly felt looked after. Thank you, Youi, for making a difficult time feel manageable and for going above and beyond.

Youi is simply the best – I’m incredibly grateful for their support and service.

Approximately 12 years ago, we had a claim after someone drove into our caravan. I must say, the entire claiming process was surprisingly smooth! Youi organized everything efficiently while we were visiting Western Australia, which made a potentially stressful situation much easier to navigate. Recently, we purchased a new caravan and, without… Read more

hesitation, chose to go with Youi again. Little did we know that we would need to rely on your services once more! In January, we were involved in an accident that resulted in our caravan being written off. Thankfully, the damage to our car was minimal—a small issue with the bumper where the stone guard had made contact. I was truly impressed with how quickly we received the payout for the caravan and how Youi assisted us with the contents cover, which greatly alleviated some of our stress during this difficult time. Having only one excess for both vehicles, since they were insured with Youi, was another plus!

However, just a week after having our car back, we found ourselves in another unfortunate situation. A young driver merged into us, resulting in yet another claim—only about six weeks after the first accident. Much to my surprise and delight, I spoke to the same consultant, Tim, who had helped me with the first claim. His support and compassion throughout the process were commendable. Tim did an outstanding job arranging tow trucks and managing the logistics for us.

Youi also organized hire cars for both accidents, a process that was seamless and hassle-free. Just a note to self for the future—I must remember not to leave some of my keys in the hire car! However, I did encounter an issue with the first repairer we used. They disconnected my dash cams and did not reconnect them. We later found out about this when I needed footage for the second incident. It was disappointing to hear the repairer blame me rather than accepting responsibility. I would have appreciated a simple acknowledgment of the mistake and reassurance that it wouldn’t happen again. Unfortunately, this experience led us to choose a different repairer for the second incident.

After the write-off of our caravan, we ordered a new one. Since we live in our van while traveling, I was initially disappointed to learn that I wasn't eligible for the travel accommodation aspect of our claim, given that the caravan was our home. Thankfully, after appealing, I was granted the benefits, but the $1,000 maximum for accommodations didn’t go very far, especially after losing so much. In the future, I plan to increase our contents coverage, as we need to repurchase many items and take inventory—photographic evidence will certainly help streamline the claiming process! It's important to know what you have, instead of brainstorming on brands/items and invoices for purchase or photographic proof.

My only significant disappointment lies in Youi’s inability to insure our new van due to its high value. I truly wish to insure it with Youi as I value the excellent service I have received, especially during difficult times. Your team has made navigating these experiences much more manageable, and I would love to continue our relationship if possible.

Thank you for taking the time to read my feedback. I appreciate your service and the support that Youi provides.

YOUI tried to scam me last year my ctp was $331 this year it jumped to $580 so I done a compare website with all my details an YOUI came back with $431 I contacted them an was told no $580 no help at all anyways I found it for $390 so happy days. Update i put in a complaint an I was told they don't have to honour the quote you get from them on a… Read more

comparison website so shop around people i saved $190 not using YOUI they are over charging an don't care I'm a pensioner an they think $250 a 75% increase from last year is reasonable total scammers stay away from YOUI

DO NOT - ABSOLUTELY DO NOT WASTE YOUR TIME I had heard YOUI had a bad reputation for service I had also heard YOUI had even worse reputation for " competitive price' Circumstances found ne requiring to get s quote from this mob .thus began the nightmare. I am a 58 year old aussie man. But was referenced and referred to as " MAAM" I have a… Read more

first, middle and last name . But I was referred to as " Mr *first name * The sales rep talked way too fast- ebmvery time! I had to keep requesting " slow down, stop reading a script, I am the customer, allow me to HEAR what you are reading " Agent came back with a quote of $936 per month!! I was literally ill.i requested a break to consider my options.But NO he was NOT letting me off the phone ! SEVERAL TIMES the agent requested I FALSIFY ANSWERS or LIE on my policy- i kept reminding him i needed a policy that was accurate with honest integrity The agent recommended I get someone who will * never drive my car * doesn't live with me * doesn't need car insurance to be placed as SECOND policy holder as this would REDUCE MY POLICY PREMIUM " your profile, your profile* " I was both referred to as a customer , simply a " profile holder " and agent required me to " lie on my profile so I save money and HE makes a sale' I requested a 10 minute recess so I could call my sister for her opinion " 5 FIVE minutes later I had 8 EIGHT missed calls and instead of hanging up again and trying later i received " 8 '10 second long audio scripted message " THEN I noticed he called and left message ftom AGENT PERSINAL MOBILE Then I also noticed AGENT completed a call to. Me using INTERNATIONAL AREA code 9 messages of 10 secons left across a 4 minute interval

CALL #10 i answered .agents says ' GOOD NEWS .I have reduced your policy by $200! A months its now $786 !!" I quickly mentioned $150 a month is very different to $200

Agent then suggested " why dont we remove some items from your policy so you pay less '

I TOLD HIM " YOUI are fraudsters and promptly hung up

Literally AS difficult and stressful to deal with this insurance company as it previously WAS for me with Allianz who ALSO refused to pay out and waive EXCESS for my NO FAULT accident claim where the OTHER driver entirely caused the damage. In that case, AFCA ruled in favour of my official complaint to them and Allianz eventually AGREED to waive… Read more

my EXCESS. But BY that point, I was so SICK of dealing with them and my TRUST in them was so broken that I decided to terminate my policy. The EXACT same thing is happening with Youi NOW. The CRAZY part?? It was NOT even a CRASH this time CAUSED by someone ELSE but was INTENTIONAL damage with someone THROWING an object that shattered my REAR WINDSCREEN. This is NOW DAY 2 at the time of writing this and they're STILL saying to me I'll have to pay a FULL $1,225 DESPITE paying my premiums consistently SINCE late 2022...

WHAT is the POINT of paying insurance PREMIUMS monthly for COVERAGE if you are LATER DENIED the actual COVERAGE when you NEED it??? This is the SECOND time and second COMPANY. They also don't train their STAFF in the BASICS of LAW because SIMPLY having TERMS and clauses in your COMPANY PDS does NOT exempt you as an INSURANCE provider from the duty of UTMOST GOOD FAITH and adverse inference under Section 13 of the Insurance Contracts Act 1984 (Cth).

When I asked ONE of their call center rep's what HER understanding IS of how insurance actually WORKS and pointed out to her that IF you are paying PREMIUMS, you SHOULD be able to make CLAIMS when you NEED it OTHERWISE that defeats the PURPOSE of INSURANCE, she DISPUTED this and said "well, that's just INSURANCE for you!". What an IGNORANT COMMENT! Seriously.

That is NOT "insurance for you" and it SURE as HELL is NOT COVERAGE: it's BY DEFINITION "unjust enrichment" when the company is CHARGING fees WITHOUT providing the BENEFIT paid for. Common SENSE is actually involved here when applying the LAW. What a CONCEPT, huh...

I’ve had a terrible experience with Youi Insurance. My renewal first came back $607 higher than the year before, despite the fact I’ve never made a claim. When I called to ask why, they said it was because I moved from a regional area to a metro one. That was already frustrating enough, but then it got worse. After reviewing my details on the… Read more

phone, I was told that “based on new information” my premium would now actually be $1,000 more than last year. The reasoning? Because, according to their calculations of where I live and work, I drive on main roads that “have frequent accidents.” In other words, I’m being punished simply for commuting like any normal person, even though I have a spotless record and zero claims. I don’t even live in the CBD – I’m in the suburbs.

The only positive was the person I spoke with. She was lovely, and even she admitted the increase was insane. She had no real answer for me and honestly said it might be better to just move on. That says it all.

I’ve completely lost trust in Youi. If their own staff can’t justify the premium hike, how can customers? I’ll be taking my business elsewhere, and I’d warn anyone thinking about joining them: don’t be surprised if your premiums skyrocket for reasons that make no sense. Maybe the reason they’re so expensive is because they spend so much money on commercials bragging about how much they “save” people

Be very careful with this company. I was insured with them for 2 years full insurance, always paid on time. Two months ago, someone rear-ended my car — clearly not my fault. At first, YOUI claimed wrapping wasn’t included in my policy. It took 3-4 weeks of me chasing them and asking them to review the phone call before they finally admitted that… Read more

yes, wrapping was covered. Because is there fault they don’t even email me saying that wrapping is included I had to find out by calling them.

Then they said they’d only repair the rear bumper and asked me to get quotes for the vinyl wrap. My car has a custom printed wrap, so the quote for full wrap replacement came to over $6,000plus and $1,800plus for rear only. They then refused to pay, saying the cost was “unreasonable.” When I purchased my car, I spent around $8,000 just on the wrapping.

I was ready to take legal action. After two months of back and forth, they finally agreed to cash settle only for the rear wrapping, so now I’m driving a car with mismatched panels and paying out of pocket to re-wrap the entire vehicle to get it back to original condition. I wanted them to repair my car into original condition or give me cash settle for entire cost. By the way they still haven’t even refund me my uber cost.

Very disappointed. Wouldn’t recommend them to anyone, we pay money for a reason, staff need more training. They wasted my time for no reason, something could have been handle better.

They gave me anxiety and mental stress, please be careful choosing them.