Youi car insurance is the editor's pick for customer satisfaction because it's highly rated for: customer service, features and benefits, ease of application and value for money. 93% of Australians surveyed said they'd recommend Youi car insurance to a friend.
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- Includes roadside assistance. It's the only car insurance provider out of 32 to do this.
- Is willing to negotiate on price. Multiple Finder staff have called Youi and negotiated a cheaper car insurance policy than the one they were originally quoted.
- Australian customers of Youi scored it 4.38/5 for customer satisfaction.
- Youi roadside assistance only pays for the first 2 call-outs in a year.
- You usually need to finalise your car insurance quote over the phone.
- It can be more expensive than other insurers.
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All comprehensive car insurance policies include cover for accidental damage, legal liability, theft and weather events. This table shows where policies often differ.
Provider Average cost Roadside assistance Personal items Locks & keys replacement New car replacement Customer satisfaction rating Youi $1,359 Included Up to $750 Up to $1,000 Yes - see PDS for limits 4.38/5 AAMI $1,218 Optional Up to $1,000 Optional Yes - see PDS for limits 4.32/5 NRMA $1,043 Optional Up to $500 Up to $1,000 Yes - see PDS for limits N/A Our average pricing is based on research of 1,800+ quotes from 30 insurers in Australia across 60 customer profiles. See our methodology.
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Customer service: 4.5/5
★★★★★Value for money: 4.25/5
★★★★★Features and benefits: 4.25/5
★★★★★Recommend to friend: 4.6/5
★★★★★Ease of application: 4.35/5
★★★★★Based on 385 customer reviews taken from the Finder Customer Satisfaction Awards.
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It's an award winner
Youi is the highest rated well known Australian car insurer by customers. It was voted by over 5,700 Australians as the best car insurer in the Finder Customer Satisfaction awards, scoring 4.38/5. We asked Australians across all major states (NSW, VIC, QLD, WA, SA) for their opinion about their current car insurer. Each customer rated the insurer out of 5 for:
- Features and benefits
- Customer service
- Value for money
- Ease of application
We also looked at other popular review websites. Youi scored higher than any other large car insurer, including Budget Direct, NRMA, Allianz and AAMI. Additionally, Youi only received 208 complaints to the Australian Financial Complaints Authority (AFCA). By comparison, other very large insurers AAI Limited (AAMI), Insurance Australia Limited (NRMA), Allianz and QBE received much more – 2,231, 1,413, 575 and 412 respectively.
Free roadside assistance
Youi is the only insurer to automatically include roadside assistance when you take out a comprehensive car insurance policy. We could not find any other online insurer on the market that offered this benefit. You typically have to pay around $100 per year for roadside assistance cover.
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We've outlined the key features of a Youi policy and included policies with similar benefits. Keep in mind, this is a snapshot only and the full product can only be understood by reading the product disclosure statement.
Provider Roadside assistance Personal items Locks & keys New car replacement Average cost Youi Included Up to $750 Up to $1,000 Yes - see PDS for limits $1,359 Budget Direct Optional Up to $500 Up to $1,000 Yes - see PDS for limits $992 Virgin Optional $500 Yes Yes - See PDS for limits $1,057 NRMA Optional Up to $500 Up to $1,000 Yes - see PDS for limits $1,043 Qantas Optional $750 Up to $1,500 Yes - see PDS for limits $1,125
