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?
Some of You's benefits are the standard amount, including $1,000 for lock replacement and $20 million for legal liability which is the same for the majority of brands. However, Youi outperforms most brands on temporary accommodation cover, with 12% of sum insured offered, compared to the 10% offered by Budget Direct, Bendigo and ING.
Features
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."
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.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
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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.
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.
Regards,
Jhezelyn
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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