Youi and Budget Direct offer relatively similar levels of comprehensive car insurance. If you're looking for a slightly cheaper option, Budget Direct usually edges it, according to our awards research. For award winning customer service though, Youi is a very safe bet. Aside from this, there's a few other reasons that you might consider one over the other.
We've compared the comprehensive car insurance policies on offer from Youi car insurance and Budget Direct car insurance. See further below for other types of car insurance offered by these providers.
 Youi Comprehensive |
 Budget Direct Comprehensive |
|
|---|---|---|
| Underwriter | Youi Pty Ltd | Auto & General Insurance Company Ltd |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses | No | 15% online discount |
| Roadside assistance | Yes | Optional |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer | Optional | Optional |
| Legal liability | Yes - $20,000,000 | Yes - $20,000,000 |
| Fire and theft | ||
| Storm | ||
| Flood | ||
| Hire car after theft |
Limit not disclosed - Up to 14 days |
Up to $1,000 - Up to 14 days |
| Hire car after no fault accident |
Optional Limit not disclosed - Up to 14 days |
Optional Up to $75 per day - Up to 14 days |
| Hire car after at fault accident |
Limit not disclosed |
Up to $75 per day |
| Emergency repairs |
Up to $1,000 |
Up to $500 |
| Emergency travel and accommodation costs |
Up to $1,000 |
Up to $1,000 - Up to $200 per day |
| New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off in the first 2 years or 40,000 km |
| Personal effects/property |
Up to $750 |
Up to $500 |
| Locks and keys replacement |
Up to $1,000 |
Up to $1,000 |
| 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. |
| Get quote | Get quote |
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, Budget Direct 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 |
| Budget Direct | $1,148 | $941 | $978 | $829 | $1,180 | $880 | $992 |
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
Youi offers 3 levels of car insurance cover:
Budget Direct offers 4 levels of car insurance cover:
Youi won Finder's Customer Satisfaction awards with a score of 4.38/5. Budget Direct wasn't far behind. It came in fourth place with 4.32/5. When it comes to online reviews, Youi comes out on top as well.
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Youi and Budget Direct (Auto & General) have received and resolved.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Auto & General Services Pty Ltd | 1431 | 723 | 50.56% |
| Youi | 208 | 80 | 38.46% |
Budget Direct does what it says on the tin. It's cheap and offers a really decent level of cover compared to other big brands. Youi is also a solid comprehensive policy. It's also the only comprehensive policy to automatically include roadside assistance. If you're looking for good customer service, Youi outperforms most insurers (not just Budget Direct). Regardless of who you prefer, it's worth getting quotes from both to see who is cheaper for you.
Gary Ross Hunter
Insurance and innovations editor
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