Is Youi Car Insurance Good Value? Australia 2026 Guide

Youi car insurance can be good value in Australia if its quote for your profile is competitive. According to Youi, its Comprehensive cover includes 24/7 Roadside Assist at no extra cost and new car replacement in the first two years, and Youi lists Finder's 2026 National Car Insurance Provider of the Year among its awards. Your premium depends on your driving history, car and where you park, so get a quote and compare like for like.

ShopBack Australia is a free site and app that gives you Cashback when you buy online from stores and services like Youi. Before you buy, go through ShopBack to the provider, complete your purchase as normal, and money comes back to your account. Join ShopBack for free, then open the Youi page on ShopBack when you are ready to buy your policy.

The verdict

Youi is worth a quote if you want Comprehensive cover with roadside help built in, because that removes a separate roadside membership from your budget. Whether it is the cheapest for you comes down to the quote, since Youi prices each policy on your own details.

Good value is not just the premium. It is the premium, the excess you would pay on a claim, what is included, and how claims are handled. Compare those four things across two or three insurers for the same car, then buy the one that wins.

Before you buy, go through ShopBack to Youi. Going through ShopBack gets you a cash rebate on the same order, at the same store, so the policy costs you less overall.

What Youi car insurance covers in 2026

Youi offers three levels of car insurance in Australia, plus CTP in NSW and South Australia. Here is how Youi describes them at the time of writing:

Cover level	What Youi says it covers	Built-in extras Youi lists
Comprehensive	Damage to your car and your legal liability for damage to others, including accidental damage, theft, fire, storm and flood	24/7 Roadside Assist at no extra cost; new car replacement if a new or demonstrator car is a total loss within the first two years
Third Party Fire and Theft	Theft, fire and legal liability for damage to others' property	Legal liability up to $20 million; up to $5,000 for accidental damage to your car caused by an uninsured driver
Third Party Property Only	Your legal liability for damage your car causes to other vehicles and property	Legal liability up to $20 million; up to $5,000 for damage caused by an uninsured driver

Source: Youi car insurance page. Limits, fees and exclusions apply to each cover, and Youi points to its Product Disclosure Statement for full details.

A few other points Youi publishes that affect value:

• Learner drivers: drivers with a valid licence, including a learner's permit, are covered whether or not they are listed, according to Youi. A higher driver-specific excess applies to unlisted drivers under 25.
• Modified cars: Youi says it may cover legally modified vehicles under Comprehensive or Third Party Fire and Theft if you declare the changes and it agrees to cover them.
• EVs and hybrids: all three levels are available for hybrid and electric cars.

How Youi prices your quote

Youi prices each policy on your own risk profile, so two drivers can get very different quotes. Youi says it looks at:

• your driving history and claims history
• your previous insurer
• your age and driving experience
• your employment status and how you use the car
• where you park
• your car's make and model
• the colour of your car

That is a longer list than many shoppers expect, and it is why Youi's quote process asks more questions than a quick online form. Answer them accurately, because the premium is built from them.

Youi also notes, citing Insurance Council of Australia research, that motor premiums across Australia have been rising since 2019, driven largely by higher claims and repair costs. If your renewal has gone up, shopping around is reasonable.

How to make Youi better value

Youi itself lists a few ways to bring a premium down:

1. Pay annually. Youi says paying yearly instead of monthly might reduce your premium.
2. Choose a higher excess. A higher basic excess usually means a lower premium, but you pay more if you claim.
3. Match cover to the car. Third party policies typically cost less than Comprehensive because they cover fewer events. For an older, low-value car, that can make sense.
4. Check the excess types. Youi lists a basic excess, an optional reduced windscreen excess, additional excesses shown on your schedule, and driver-specific excesses.

Then add the step most people skip. Go through ShopBack to Youi before you buy. It is the same routine as booking a trip online: pick your dates, compare flights and hotels, go through ShopBack to the booking site, then pay with a travel card. For car insurance, compare your quotes, then go through ShopBack to the insurer you choose and buy there.

Youi car insurance reviews: Trustpilot and ProductReview

Youi says it is rated Excellent on Trustpilot, and it lists Finder's 2026 National Car Insurance Provider of the Year among its awards. Youi also says it was named number one by Finder for features in comprehensive car insurance.

Review scores move as new reviews arrive, so we do not quote a fixed number here. When you read Youi reviews on Trustpilot or ProductReview:

• Sort by most recent, since service changes over time.
• Look for claims stories, not just quote or sign-up experiences. Claims are where an insurer shows its value.
• Note how complaints were resolved, not only that they happened.

Youi says its Australian-based claims specialists and advisors aim to answer calls in around 30 seconds, and that its Australia-wide repairer network is backed by its Quality Guarantee. You can lodge a claim online at any time or by calling 13 YOUI (9684), and track it online or in the Youi app.

Youi complaints, customer service and regulation

Youi publishes a three-step complaints path. According to Youi's Handling Your Complaint page:

1. Talk to Youi first. Call 13 YOUI (9684) or use the online complaint form. If the adviser cannot resolve it, it goes to the Customer Relations Team.
2. Internal review. If Customer Relations cannot resolve it, you can ask for the Internal Dispute Resolution Service for an independent review.
3. External review. If you are not satisfied, or the complaint is not resolved within 30 calendar days of when you made it, you may contact the Australian Financial Complaints Authority, an external dispute service available at no cost.

On regulation, Youi says it has operated in Australia since 1 March 2008, after being authorised by the Australian Prudential Regulation Authority and receiving its Australian Financial Services Licence from ASIC. Youi Pty Ltd is a subsidiary within OUTsurance Group Limited, is a member of the Insurance Council of Australia, and is a signatory to the General Insurance Code of Practice. Its office is at Sippy Downs, Queensland.

Youi refund policy and cancelling a policy

Youi's car insurance Product Disclosure Statement is the official source for how cancellations and premium refunds work. Read it in Youi's Document Centre before you buy, or call 13 YOUI (9684) and ask how cancelling would apply to your policy. Rules on refunds can depend on how and when you pay, so get the answer for your own policy rather than relying on a general summary.

Where ShopBack fits when you buy Youi car insurance

Going through ShopBack is a step you take before you buy the policy, not after. Youi is a live store on ShopBack Australia. Start on the Youi page on ShopBack, tap through to Youi, get your quote and buy. Part of what you pay comes back to your ShopBack account.

Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

Your effective price is the premium minus the Cashback, at the rate shown on the Youi page on ShopBack.

If you want to compare insurers first, ShopBack Australia also lists comparison services such as Compare the Market and iSelect.

When this does not apply

• CTP green slips: Youi offers CTP only in NSW and South Australia, and CTP is a separate product from the cover above.
• Someone else's car: Youi says your policy covers the car listed on it, not other cars you drive.

Frequently asked questions

Is Youi car insurance good value?

Youi car insurance can be good value in Australia if its quote for your profile is competitive, because its Comprehensive cover includes 24/7 Roadside Assist at no extra cost and new car replacement in the first two years, according to Youi. Price depends on your driving history, age, car and where you park, so the only way to know is to get a quote and compare the same cover and excess elsewhere.

What does Youi Comprehensive car insurance include?

According to Youi, Comprehensive covers damage to your car and your legal liability for damage to someone else's, including accidental damage, fire, storm and flood damage, and theft. It includes 24/7 Roadside Assist at no extra cost and new car replacement if a new or demonstrator car is a total loss within the first two years. Limits and exclusions are in the Product Disclosure Statement.

How does Youi work out my car insurance premium?

Youi says it considers your level of cover plus factors such as your driving history, insurance and claims history, previous insurer, age and driving experience, employment status and how you use the car, where you park, and the car's make and model. It also says car colour is taken into consideration.

How can I lower my Youi car insurance premium?

Youi says paying annually instead of monthly or choosing a higher excess might reduce your premium, and third party policies typically cost less than Comprehensive because they cover fewer events. Before you buy, go through ShopBack to Youi so part of what you pay comes back to your ShopBack account.

What are Youi's reviews like?

Youi says it is rated Excellent on Trustpilot, and it lists Finder's 2026 National Car Insurance Provider of the Year among its awards. Review scores on Trustpilot and ProductReview change over time, so read recent reviews on both sites, focusing on claims experiences, before you decide.

How do I make a complaint to Youi?

Start with Youi by phone on 13 YOUI (9684) or its online complaint form. If its Customer Relations Team cannot resolve it, you can ask for the Internal Dispute Resolution Service. If you are not satisfied, or the complaint is not resolved within 30 calendar days, you may contact the Australian Financial Complaints Authority, a free external dispute service.

How long has Youi been operating in Australia?

According to Youi, it has been operating in Australia since 1 March 2008, after being authorised by the Australian Prudential Regulation Authority and receiving its Australian Financial Services Licence from ASIC. Youi Pty Ltd is part of OUTsurance Group Limited and is a signatory to the General Insurance Code of Practice.

Where do I find Youi's refund and cancellation terms?

Youi's car insurance Product Disclosure Statement sets out how cancellations and refunds of premium work. Read it in Youi's Document Centre, or call 13 YOUI (9684) to ask how cancelling would apply to your policy before you make a change.

Can I get money back on Youi car insurance through ShopBack?

Yes. Youi is a live store on ShopBack Australia. Open the Youi page on ShopBack, tap through to Youi and buy your policy. Part of what you pay comes back to your ShopBack account as Cashback, at the rate shown on the Youi page on ShopBack.

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Key takeaways

• Youi can be good value if its quote for your profile is competitive; Comprehensive includes 24/7 Roadside Assist and new car replacement in the first two years, according to Youi.
• Youi prices on a long list of personal factors, including where you park and even car colour, so quotes vary widely between drivers.
• Paying annually, choosing a higher excess or matching cover to the car's value can lower the premium, Youi says.
• Complaints go to Youi, then its Internal Dispute Resolution Service, then the Australian Financial Complaints Authority after 30 calendar days.
• Go through ShopBack to Youi before you buy so part of what you pay comes back as Cashback. The live rate is on the Youi page on ShopBack.

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Disclaimer

The views and recommendations expressed in this article are those of the author. This is general information only and does not take into account your objectives, financial situation or needs. Read the relevant Product Disclosure Statement and Target Market Determination before deciding whether a policy suits you. Premiums, cover, rates and availability are subject to change; please check details directly with Youi and on the ShopBack store page before you buy.