Discover you-shaped insurance today. Start a quote AWARD WINNING INSURANCE Finder and WeMoney's Insurer of the Year Our insurance products Home & Contents Insurance NSW CTP Green Slip Insurance Motorcycle Insurance Caravan & Trailer Insurance Watercraft Insurance Small Business Insurance SA CTP Insurance Voted #1 National Car Insurer for 2026. Thanks Australia. And named #1 by Finder for features for car insurance . View our awards View our awards One Event. One Excess. If you, your spouse or de facto, claim for the same incident on more than one Youi insurance policy – for a single event occurring at the same address and time – you’ll only need to pay one excess. † Our commitment to transparent claims outcomes. The Ombudsman Claims Complaints Scores track the number of claims that need Ombudsman help to be resolved – and we share the data to keep us to a higher standard. It’s all part of our commitment to transparent claims handling. The formulas used to calculate the Ombudsman Claims Complaints per 1,000 Claims Score for both motor & home respectively are as follows, rounded to one decimal place: (Home Claims Complaints / Home Claims) x 1,000 and (Motor Claims Complaints / Motor Claims) x 1,000 . These formulas are calculated on the number of new home & motor claims-related complaints that Youi Pty Ltd ( Youi ) has recorded as being registered with the Ombudsman (the Australian Financial Complaints Authority (“ AFCA ”)) about Youi in the last 6 completed calendar months ( Relevant Period ) ( Home Claims Complaints and Motor Claims Complaints , respectively). The scores are updated by the 7th working day of every month. Youi considers this information accurate, noting however it has been manually entered, and no independent verification of the data has been made. AFCA is an independent complaints resolution scheme that resolves complaints without endorsing any financial firm or its products/services. Youi’s complaints data is separate from AFCA's annual complaints statistics. Youi makes no representation or warranty of any kind of the accuracy, adequacy, reliability, or completeness of the data used to calculate either score. Youi accepts no liability for any loss or damage of any kind suffered as a result of the use of or reliance on either score. The scores and related information are provided for general informational purposes only. Finalised means no monetary amounts are outstanding. Home Claim/s means all claims made under the Youi Home & Contents Insurance PDS at any time and which are first Finalised during the Relevant Period. For clarity, where a single claim has been brought in relation to both building and contents coverage, the claim will be included as a claim once all aspects of both the building and contents portion of the claim are first Finalised. This is to ensure the claim is only recorded once in the data. Motor Claim/s means all claims made under any of the following Youi PDSs: Car Insurance, Motorcycle Insurance and Caravan & Trailer Insurance (excluding requests made to Youi Roadside Assistance) at any time and which are first Finalised during the Relevant Period. Important information The formulas used to calculate the Ombudsman Claims Complaints per 1,000 Claims Score for both motor & home respectively are as follows, rounded to one decimal place: (Home Claims Complaints / Home Claims) x 1,000 and (Motor Claims Complaints / Motor Claims) x 1,000 . These formulas are calculated on the number of new home & motor claims-related complaints that Youi Pty Ltd ( Youi ) has recorded as being registered with the Ombudsman (the Australian Financial Complaints Authority (“ AFCA ”)) about Youi in the last 6 completed calendar months ( Relevant Period ) ( Home Claims Complaints and Motor Claims Complaints , respectively). The scores are updated by the 7th working day of every month. Youi considers this information accurate, noting however it has been manually entered, and no independent verification of the data has been made. AFCA is an independent complaints resolution scheme that resolves complaints without endorsing any financial firm or its products/services. Youi’s complaints data is separate from AFCA's annual complaints statistics. Youi makes no representation or warranty of any kind of the accuracy, adequacy, reliability, or completeness of the data used to calculate either score. Youi accepts no liability for any loss or damage of any kind suffered as a result of the use of or reliance on either score. The scores and related information are provided for general informational purposes only. Finalised means no monetary amounts are outstanding. Home Claim/s means all claims made under the Youi Home & Contents Insurance PDS at any time and which are first Finalised during the Relevant Period. For clarity, where a single claim has been brought in relation to both building and contents coverage, the claim will be included as a claim once all aspects of both the building and contents portion of the claim are first Finalised. This is to ensure the claim is only recorded once in the data. Motor Claim/s means all claims made under any of the following Youi PDSs: Car Insurance, Motorcycle Insurance and Caravan & Trailer Insurance (excluding requests made to Youi Roadside Assistance) at any time and which are first Finalised during the Relevant Period. Important information Our Car Insurance cover options Comprehensive Insurance Third Party Fire & Theft Third Party Property Only Are you prepared for severe weather? Visit our you.prepared hub for expert tips and practical information to help get ready for severe weather. We really make it count at claims time. A big part of our you-shaped insurance is about providing you with the support and service you need with claims. We strive to review all claims as fairly and quickly as possible, helping customers through the tough times and out the other side. Roadside Assist to get you un-stuck With our 24/7 roadside assistance, we’ll be there to help you and your passengers if your car breaks down. * We're here when you need it most If you have an emergency or need to lodge a claim, we’re here to take your call and get things moving 24/7. Youi No.1 Fan series Get to know stars of the NRL and Brisbane Lions like never before, with stories and memories shared by their biggest supporters. Repair guarantee for ongoing confidence If you ever need to make a claim, we’ll guarantee the quality of all authorised repairs for as long as you own the vehicle. ^ Our relevant PDSs contain more information, please consider our relevant PDS when deciding if this product is appropriate for you. Find our PDS s and TMD s here. * Youi Roadside Assist included with Comprehensive cover only. Exclusions, limits and additional fees may apply. Cover not available within first 24 hours of taking out, or upgrading to, Comprehensive cover. See T&Cs and PDS for details. ^ Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item. † If you, your spouse or de facto claim for the same incident on more than one policy, for a single event occurring at the same address and time only one excess is payable. The excess will be the highest excess payable. For more details, see the PDS. * Youi Roadside Assist included with Comprehensive cover only. Exclusions, limits and additional fees may apply. Cover not available within first 24 hours of taking out, or upgrading to, Comprehensive cover. See T&Cs and PDS for details. ^ Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item. † If you, your spouse or de facto claim for the same incident on more than one policy, for a single event occurring at the same address and time only one excess is payable. The excess will be the highest excess payable. For more details, see the PDS. Footy partnerships. Made by fans. We're here to support the supporters who get behind their teams and drive them to greatness. Proud to be the official partner of footy fans. Welcome to you.connect Plug in to all the latest Youi news, views and updates. Getting Under the Hood of Australians’ Understanding of Car Insurance and Claims Youi’s Great Australian Road Trip: Aussie Travellers’ Habits and Behaviours Revealed Single Burner x Steph de Sousa Youi insurance FAQs Got questions about insurance quotes, making an insurance claim, or something else? You might find the answers here. How does an excess work?

When you lodge a claim, you’re required to pay an excess. The following excesses may be applicable and can be found on your policy schedule: Basic Excess This is the amount payable by you towards any claim. Additional Excess In some instances, an Additional Excess will apply to your claim. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. Basic Excess This is the amount payable by you towards any claim. Additional Excess In some instances, an Additional Excess will apply to your claim. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. This is the amount payable by you towards any claim. Additional Excess In some instances, an Additional Excess will apply to your claim. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. Additional Excess In some instances, an Additional Excess will apply to your claim. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. In some instances, an Additional Excess will apply to your claim. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. Unlisted Driver Excess If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. If the car was driven by a driver who is not noted on the policy schedule (and who is not otherwise excluded), an additional Unlisted Driver Excess will apply. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. Windscreen Excess The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. The Windscreen Excess is the same as the Basic Excess unless you choose the option to reduce your excess for windscreen claims. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. One Event One Excess If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. If you, or your spouse or de facto, claim for the same incident on more than one Youi policy, only one excess will need to be paid. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies. Can I choose my excess? Yes. We’re about providing insurance that’s a bit more you-shaped, which includes the ability for you to choose your level of excess, along with any relevant optional covers that may be available with your policy. VIEW THE PDS Does Youi offer CTP insurance? Yes. We currently offer Compulsory Third Party (CTP) insurance in New South Wales (where it’s also called a Green Slip) and also in South Australia. Click the links below for more info on each. BROWSE NSW CTP GREEN SLIP INSURANCE SA CTP INSURANCE How long has Youi been operating for? Youi has been operating in Australia after being authorised by the Australian Prudential Regulation Authority (APRA) and receiving its Australian Financial Services Licence (AFSL) from ASIC on 01 March 2008. However, the company can trace its origins back to 1998 through its sister company, OUTsurance. ABOUT US What are Youi's contact details? Our head office is located at 2 Smart Drive, Sippy Downs, Queensland. Call: 13 YOUI (9684) Email: info@youi.com.au Post: PO Box 849, Buddina, Queensland 4575 CONTACT US Call: 13 YOUI (9684) Email: info@youi.com.au Post: PO Box 849, Buddina, Queensland 4575 CONTACT US What people are saying These guys have it together These guys have it together. Exceptional customer service and stress free communications and transactions. Great pricing and just blown away at how efficient they are. Thank you. Very professional Polite, professional and easy to deal with and everything I asked was answered and got a great deal, it was a pleasure to do what I thought was going to be a headache The Insurance Merry-Go-Round!! I jumped onto the insurance merry-go-round again this year after having second thoughts on my Youi renewal. After wasting HEAPS of time on websites and phone calls with a bunch of people trying to pull the wool over my eyes, I realised how bloody good Youi is and that I was already with the best!! Thanks Youi, I'm sorry I doubted you! Great company to deal with I love the fact you don't have a million options to go through before you get to talk to a human and the waiting times are non-existent. The agent - Lucy I think, was great and very helpful. I find Youi insurance to be competitive and flexible - great job! Amazing support Amazing support, great & friendly staff. Thank you for providing excellent support, made me feel happy to be with Youi. SIGN UP WITH YOUI NOW . . . DON’T WAIT !! I phoned Youi to get a quote on car insurance for two of my cars. My call was answered immediately. Nick was very informative and guided me through the process with his knowledge, honesty and understanding. Amazing service with Youi, every time Every time I contact Youi for an insurance quote I get amazing, friendly, warm, knowledgeable, helpful service. Your team are superstars! Absolutely the best service Absolutely the best service I have ever received lovely friendly staff and my claim was done quickly I was shocked how easy it was done I’m so glad I switched to Youi The experience I had was wonderful The experience I had was wonderful, it was so was quick, professional and very friendly and I also got a great price on my car insurance. I’ll definitely renew next year. Fantastic to deal with Great to deal with been with Youi. For 10 years I can't get better anywhere for car insurance. YouiRewards has now ended The YouiRewards program officially came to a close on 31 January 2024. If you have any questions or need help accessing saved vouchers or gift cards, call us on 13 9684 . The Youi Wall has closed. The Youi Wall closed on 29 May 2024. If you have any questions or have any feedback you'd like to share with us, you can call us on 13 9684 . Need help with a quote? Have a question about your policy? Need to talk about a claim? We’re ready to listen. For Roadside call 13 11 17