Youi vs AAMI car insurance
A side by side comparison of Youi and AAMI car insurance, including expert analysis of pricing, features, complaints and reviews.
Youi and AAMI car insurance are both solid options if you want a comprehensive car insurance policy. AAMI edges it slightly on a few benefits (its limits are slightly higher) but Youi automatically includes roadside assistance. It's the only car insurer to offer this with its comprehensive policy.
Youi vs AAMI car insurance — compare key features
We've compared the comprehensive car insurance policies on offer from Youi car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.
Youi Comprehensive |
AAMI Comprehensive Car Insurance |
|
|---|---|---|
Underwriter |
Youi Pty Ltd |
AAI Limited |
Accidental Damage |
||
Damage to other people's car |
||
Bonuses |
No |
$50 online discount |
Roadside assistance |
Yes |
Optional |
Agreed or market value |
Agreed or Market |
Agreed or Market |
Choice of repairer |
Optional |
|
Legal liability |
Up to $20,000,000 |
Up to $20,000,000 |
Fire and theft |
||
Storm |
||
Flood |
||
Hire car after theft |
Limit not disclosed - Up to 14 days |
Reasonable costs - Up to 21 days |
Hire car after no fault accident |
Limit not disclosed |
Reasonable Cost |
Hire car after at fault accident |
Optional Limit not disclosed - Up to 14 days |
Optional Up to $90 per day |
Emergency repairs |
Up to $1,000 |
Up to $1,000 |
Emergency travel and accommodation costs |
Up to $1,000 |
Up to $1,000 |
New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off or stolen in the first 2 years |
Personal effects/property |
Up to $750 |
Up to $1,000 |
Locks and keys replacement |
Up to $1,000 |
Optional |
Towing |
||
Trailer cover |
Up to $1,500 |
Up to $1,000 |
Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Youi vs AAMI car insurance prices compared
As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.
On average, AAMI typically offers cheaper car insurance than Youi. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
| Provider | NSW | QLD | SA | TAS | VIC | WA | Aus average |
|---|---|---|---|---|---|---|---|
Youi | $1,640 | $1,307 | $1,087 | $1,155 | $1,599 | $1,363 | $1,359 |
AAMI | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 |
These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
About our car insurance methodology
Car insurance policies on offer
Youi offers 3 levels of car insurance cover:
- Youi Comprehensive
- Youi Third Party Fire & Theft
- Youi Third Party Property Damage
AAMI offers 2 levels of car insurance cover:
- AAMI Comprehensive
- AAMI Third Party Property Damaege
Customer reviews
Youi won Finder's Customer Satisfaction awards in 2023 and has a really high score on popular online review sites. AAMI came in third place in the awards. We surveyed over 5,700 people in total.
Youi and AAMI car insurance complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Youi and AAMI (AAI) have received and resolved.
| Underwriter | Complaints recieved | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
Youi | 208 | 80 | 38.46% |
AAI | 2231 | 1370 | 61.43% |
Finder's verdict
If you want quality customer service, a solid policy and roadside assistance automatically included, consider Youi. If price is the most important thing for you, or there are certain features you want high limits for, AAMI might be a safer bet. Either way, make sure you look at a handful of insurers, compare their cover and see who is priced best for you.
Gary Ross Hunter
Insurance and innovations editor
FAQs
More resources on Finder
Ask a question
2 Responses
More guides on Finder
-
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
-
Car insurance and lost or stolen keys
Lost your car keys? Find out whether your comprehensive car keys will cover the cost to replace them in this handy guide.
-
Will car insurance cover paint damage?
Discover if your car insurance policy will cover you for paint damage with this guide.
-
Car insurance excess, explained.
Your comprehensive guide to car insurance excess, what it is and when it needs to be paid.
-
Suncorp car insurance review
Suncorp’s benefit limits are high in comparison to many other providers, but its policies are more expensive than most.
-
APIA car insurance
APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
-
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
-
Short term car insurance Australia
Find out what short term car insurance options are available in Australia.
-
GIO car insurance review
GIO offers strong cover at a low price. However, drivers in QLD, SA and TAS will have to look elsewhere.
-
Switching car insurance
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
Most car insurance companies are owned by the same parent company and when one phones them, they appear to be utilising the same platforms (phone response and questions asked).
How different are they in reality? Do they share data between each other when the person making the inquiry has also made similar inquiries with another one or more of the companies in the ‘group’?
Hi Peter,
I believe you’re referring to the same underwriters, but with different insurance brands. Is that correct? It’s true that some insurance companies do share the same underwriters.
If you wish to learn more, it’s best you get in touch with an insurance brand and ask them directly about this, including how they handle customer data.
Regards,
James