Youi has a high customer satisfaction rating, with local call centres and short wait times.
Youi offers a range of customisation options to tailor your policy to you.
Up to $1,500 per household member is offered for counselling after a claim, a rare benefit.
Cons
Sometimes, you have to call Youi to get a quote, you can't just request and buy online.
There's no discount if you buy online, a typical perk from other brands.
Some terminology is vague, including "reasonable costs" for home office damage.
How does Youi compare with other popular providers?
Price
As part of our 2024 awards, our insurance experts researched 45 home insurance brands and got over 400 quotes. This research showed the average cost of home insurance is $2,044, Youi was only marginally higher priced than average at an average of $2,127. There are cheaper home insurance policies available including ahm, Woolworths, and Bankwest, but keep in mind that the best home insurance for you may depend on more than just price.
"I was looking for a cheap and fairly basic contents policy when I was moving. But I had a couple of pricey items I was worried might get damaged in the move. I took out a new policy with Youi and found the whole process quite simple. I was also able to call Youi and get a temporary extras cover on specific items just for the move. This was great for peace of mind and was very easy to sort out. Flexible, tailored cover is so important for insurance. And if the insurer makes it hard, it's time to switch."
Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.
Youi offers some optional cover options to increase the strength of your policy. Remember, adding these will also increase the cost of your premium.
Contents accidental loss or damage - Cover for your belongings against accidental loss or damage, at or away from your home.
Buildings accidental damage - Cover your buildings against damage caused accidentaly.
Contents in commercial storage - Up to $20,000 to repair or replace items damaged while in commercial storage.
Pet injury - Up to $1,000 towards vet fees if your cat or dog is injured due to an accident.
Business items - Up to $5,000 to cover business tools lost or damaged in an insured event.
Youi home insurance claims process
You can make a claim with Youi home insurance online, 24/7. If you need help, you can call 139684 to speak with a claims specialist or request a callback.
Youi home insurance complaints information
In the 2022-2023 financial year, AFCA received a total of 304 complaints related to Youi's home insurance and home contents insurance. 82 of those were resolved at the registration and referral stage.
FAQs
Youi home insurance is self-underwritten by Youi.
You can make a claim with Youi home insurance online via its website. If you need help, you can call Youi on 139684.
To cancel your Youi home insurance policy, you'll need to login to your policy and complete the cancellation request. Alternatively, you can call Youi on 139684.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
10 of 63 reviews
★★★★★Garry Eccleston (Benowa) 2 years ago
Stick it to your clients
So after having no claims on any of 5 properties, not even from the devastating Logan floods Youi sees fit to increase our premiums by 50% goodbye Youi
★★★★★Mark (Melbourne ) 2 years ago
Scam organisation
Youi get you on board with initial cheap quote, charge extortionate increases and then will not honour genuine claims. Avoid this organisation at all costs. They are unhelpful and merely focused on avoiding the claim and looking for any opportunity to deny.
★★★★★Jake and John (Queensland) 3 years ago
Never go near them for home insurance
they deny claims by saying, the house was built poorly and in very bad condtion, then what prevented them cheking the house before insurance.
they give cash compnesation to cover only small perecnatge. they create report to say damage was not cuased by what we reported. if tree falls on your house they will say if the house was bult correctly ther would have been no damage. their reply is illogical but who willtake them to court?
★★★★★Anthony kang (Bridgemam downs, qld) 3 years ago
Slow and reluctant to respond
We have a home insurance with youi.
Earlier this year in Brisbane there was heavy storms crossing south east Queensland. Our home did not skip from the storm damage in February 2022. We reported to youi and made the claim accordingly. It is now a month passed we are still waiting to hear from youi.
★★★★★Youisuk (Sunshine) 3 years ago
Worst home insurance ever
Claim for the cracks after the earthquake event. Base on engineer report, theoretically due to soil/footing that caused the crack of the house, not due to earthquake.
Engineer report state: "Further investigation and discussions into the exact cause of differential footing movement can be provided if required", so I asked if YOUI can do further investigation because they can't just base on theoretical report and rejecting any further investigation. However, they still rejected and stated that theoretically the report is correct without any proof.
I have asked people around and they actually said youi is one of the worst insurance when it is about house insurance. Regret to stay for 2 years and not helpful
★★★★★Nicole (NSW) 4 years ago
If protected from Bush fires & Floods
★★★★★ (WA) 4 years ago
Very competitive pricing, best for benefits and outcomes, great customer service, easy to deal with, nothing is a problem.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 622 Finder guides across topics including:
I have been in touch with your office and I was directed to your website to read your statement following the very bad press you have sustained following the investigation currently underway.
I have not been able to find such a statement . As a consumer f your products this disturbs me greatly.
Finder
JohnOctober 12, 2018Finder
Hi Judith,
Thank you for reaching out.
I understand the inconvenience this has caused you but you have reached finder which is a comparison website and not Youi. If you wish to contact Youi regarding your concern please call them at 1300 852 320 from Monday to Friday 05:00am – 06:30pm
and Saturdays from 05:00am – 06:30pm. Hope this helps!
Cheers,
Reggie
LalithMarch 30, 2018
I need to get a landlord insurance for my investment property.
Finder
JhezelynMarch 31, 2018Finder
Hello Lalith,
Thank you for your comment.
For landlord insurance on investment property, please refer to the brands listed in the comparison table that you can get quotes from. You can press the “Get a quote” button to be redirected to the insurer’s website where you can get a quotation.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
GMCU home insurance is backed by Allianz, which has a strong complaints record and solid benefits. However, premiums are also more expensive than average.
Australian Unity has a strong complaints record and competitive benefits, but it’s lacking in underinsurance protection which is a popular feature offered by many other brands.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
Follow these steps to find affordable home insurance that won't leave you stranded.
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I have been in touch with your office and I was directed to your website to read your statement following the very bad press you have sustained following the investigation currently underway.
I have not been able to find such a statement . As a consumer f your products this disturbs me greatly.
Hi Judith,
Thank you for reaching out.
I understand the inconvenience this has caused you but you have reached finder which is a comparison website and not Youi. If you wish to contact Youi regarding your concern please call them at 1300 852 320 from Monday to Friday 05:00am – 06:30pm
and Saturdays from 05:00am – 06:30pm. Hope this helps!
Cheers,
Reggie
I need to get a landlord insurance for my investment property.
Hello Lalith,
Thank you for your comment.
For landlord insurance on investment property, please refer to the brands listed in the comparison table that you can get quotes from. You can press the “Get a quote” button to be redirected to the insurer’s website where you can get a quotation.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Regards,
Jhezelyn