8,356 reviews
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AI reviews summary
Youi Car Insurance receives highly polarised feedback, with a strong divide between customers praising the exceptional service and significant cost savings, and those frustrated by a non-transparent, high-pressure sales model. While many long-term customers report seamless claims and helpful local support, a significant number of prospective users are deterred by the inability to receive an online quote without a mandatory, lengthy sales call.
Pros
Cons
Verdict
Youi is an excellent choice for consumers who prioritise high-quality, human-led customer service and are willing to endure a lengthy phone consultation to potentially secure significant savings. However, the company’s insistence on manual phone quotes and reported lack of choice in repairers may be a deal-breaker for those seeking a quick, digital-first experience or specific control over their vehicle's repairs.
I cancelled my car policy in 11 July online. Youi rang me on the 13th to finalise the cancellation and on the same day (13 July) a debit order for a yearly amount of $1340.49 was debited from my account. I have followed up everyday since, the money is yet to be returned to my account. I have lodged a complaint with no response. Every time I call I am told "the refund is pending" and "there is nothing further we can do to expedite" Show details
Quick response and excellent pricing for identical coverage quoted by NRMA with who I have been insuring with for 36 years and never had a claim! I'm recently retired so cost is far more important than loyalty hence Youi got my business. Show details
It was refreshing to talk to a sales person based in Australia. It helps so much with understanding the person on the other end of the phone. I was also able to enjoy a joke and a laugh without feeling like I should say something that is culturally insensitive. I ended up clearly understanding what I was buying and the costs was cheaper by over… Read more
$200 dollars from my Hollard's renewal. I was very disappointed with the Commonwealth Bank and its lack of interest about my complaint. I wont know for for sure about how Youi will stack up but I feel comfortable and confident that Youi will listen.
Reviews with attachments
Great people from start to finish. Had an incident and i was supported all through. The claim was settled within 2-3weeks Show details
From the very first phone call, I was put in touch with incredibly helpful people who guided me through the whole process with exceptional courtesy and efficiency. I would definitely recommend YOUI to anyone, not just family. Thanks for your exceptional service. Regards, Ken Smith Show details
Liz was great with getting an assessment for my car and letting me no that I would not have to pay excess , For the insurance company thanks to young guy for being so nice and Liz from youi keep up the good work.only been with youi for 2months Show details
- +2
I had a very good experience. Customer service team were professional and prompt. The entire repair time to have my car back in my hands in new condition was less than 2 weeks. I am very pleased with the process and outcome. Thank you. Show details
- +2
A claim was made by one of your customers who had hit my car while I was not there and my hushand was driving. She had not looked going through a round about, resulting in our Toyota Kluger Grande being deemed a write off. When you client would not make a claim you were kind enough to contact her and ask her to do so, which she did. We we provided… Read more
with a hire car so our son could continue getting his hours up to get his licence as he is starting university an hour a way soon. We had that car for 4 weeks. The payout settlement was nothing spectacular but much more than we expected. The customer service provided by Maree was outstanding! She was so happy and cheerful on the phone, extremely helpful and explained everything every step of the way, making a stressful situation far less stressful. Thankyou Maree and the claims team for such a positive experience
I can't thank YOUI enough for how incredibly easy they were able to organise my claim after my car was rear-ended in early February (2026). I also had forgotten to book a rental car in advance on the day I dropped off my car for repair. I was worried I may not be able to get a rental car at short notice, but with the help from Tim at YOUI,… Read more
after communicating with Hertz, I had a car within half an hour.
I can't thank YOUI enough for such great efficiency. One of the best decisions I've made in recent years was choosing them as my car insurer.
I was involved in an unfortunate accident with a Kangaroo on the morning of the 11 March '26 at 1:20am. Fortunately, I believe he/she managed to survive it, but can't be said for my car. I lodged a claim with Youi on their app at around 11:00am. No more than one minute passed before I received a call from a customer service agent, who then swiftly… Read more
arranged for my car to be assessed the following morning. This morning I took it in for assessment at 9:00am. I have just received notification of the claim being accepted and the car can be booked in for repair. That is terrific service, greatly appreciated and no red tape to deal with.
Had a fantastic experience with Sierra today! She was very polite, patient and accomodating to finding the best deal on my car insurance. Previously I have been with AAMI which has historically given me a great rate for my car. Sierra went out of her way to assess how to bring my premium down, was patient with me checking in with AAMI, and… Read more
provided a call back later at my time. Sierra was able to provide a better product that AAMI (third party fire and theft with $5k cover for my car (which is enough) at approximately $60 cheaper than AAMI! $60 cheaper sure beats the loyalty tax I was paying with AAMI for the last 4 years. I hope Sierra is provided some commission for her outstanding customer service skills, including being empathetic to my current financial circumstances.
⭐⭐⭐⭐⭐ I rang Youi today to add an L-plater to my comprehensive car insurance and honestly expected the premium to skyrocket. I was pleasantly surprised to find that not only did it cost very little to add the extra driver, but after the consultant reviewed my details my insurance actually decreased by $80. The service was excellent, the assistant… Read more
was helpful and thorough, and the price was brilliant. A really positive experience and great value for money.
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There was a minor accident while parking and Youi insurance took care of the claim very well. I would like to specially call out HAWKESBURY ACCIDENT REPAIR CENTRE who did an amazing job and the car looked like new. Though there was a slight delay due to the delivery of an additional part but when I looked at the professionalism and the way they… Read more
handed over the car, I am ok to excuse the delay. This was my first claim ever and they did a great job, thank you!
The service was processional and caring and very quick and only been with youi since March Show details
Three caveats. ONE: this is the second time I’ve tried to get a quote from Youi. It was some years back so maybe they’d changed? TWO: this review is based more on what didn’t happen, than what did. So it is based on a lot of extrapolation from what (IMO) “ought” to have happened, but didn’t. THREE: (as below) I don’t have the breadth of… Read more
information that would be needed to make a partial “star” rating. Hence I’m left with a binary choice of true/false, good/bad, yes/no (or in this case 5/1). Hence the one star.
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My car insurance is coming due and my insurance company wants to apply a “loyalty tax” by increasing the premium by around 10%. So I (re)started looking around, with Youi high on my list as I’m retired and near shops and hence don’t do much mileage.
The Youi site asked all the normal insurance questions, so they had the same amount of data that all insurance companies use to determine a premium. However, unlike all of the other companies that I’d checked, they didn’t throw up a screen with my quote, they didn’t email me a quote. Instead, they phoned me, which left a message on my computer screen when I didn’t answer. I’m effectively deaf (which is why I didn’t answer), so I responded by text asking them to either message or email.
Black hole. Nothing.
So .. Youi had the same (and extra) data that other companies used to issue a quote, but insisted by their actions that they require a salesperson talk to the potential customer.
Extrapolation - pure conjecture on my part so take it with a (large) grain of salt. The only reason I could come up with is that their business model is based on the sale being closed by the salesperson, not by the actual cost of the product (despite their current advertising campaign claiming it to be low cost). That implies that their sales team is staffed with (tongue in cheek here) “used car salesmen” (working mainly on commission?).
I don’t want to be worked over by a salesperson, and I consider the business model of requiring that I do so to be unethical, hence the low star rating.
Car was damaged at the repair shop Youi appointed to us(only option). When complained, Youi refused and blamed on us as the normal tear and wear, where the damage was clearly marked new and fresh. It took them 6 weeks to respond. It seems the company does not care much about their customers, and they pick dodgy repair shops with sub standard workmanship for better financial gain. Definitely not recommend. Show details
YOUI tried to scam me last year my ctp was $331 this year it jumped to $580 so I done a compare website with all my details an YOUI came back with $431 I contacted them an was told no $580 no help at all anyways I found it for $390 so happy days. Update i put in a complaint an I was told they don't have to honour the quote you get from them on a… Read more
comparison website so shop around people i saved $190 not using YOUI they are over charging an don't care I'm a pensioner an they think $250 a 75% increase from last year is reasonable total scammers stay away from YOUI
Latest follow-ups
Youi asked for my feedback after receiving a quote. I told them the service was acceptable. They then asked me to submit a review on Product Review. I did not accept their quote as it was not in the ball park. Second or third time their quotes have… Read more
been too high. I cannot believe the figures mentioned on their ridiculous TV ads. They extract a lot of info online so you can get a quote and then you get a phone call from a super sales person who asks a heap more questions many of which you already answered online. I won't be bothering them again.
Follow-up · I did not get a final offer. Their quote was about $300 higher than my other quote. I was only insuring a 12 year old Camry so their quote was about 60% higher than my other quote.
your adds arnt truthful where it says you offer a better deal .. I have several vechicles and your over $200.00 per vechicle more expensive.. Show details
Follow-up · Corolla prado hilux sprinter van was loads cheaper to insure with Shannon's.. and they cover everything with 1 policy .. I've saved over $1200 per year ..
Exceptional and helpful service from YOUI especially from Susan. Would definitely recommend them. Show details
Follow-up · The process was easy and the staff were friendly and helpful. My car was involved in a not at fault accident but the police couldn't catch the other driver. After receiving the police report, YOUI waived my excess fee
In-depth reviews
I wanted to see what other offers are out there. My NRMA Comprehensive insurance went up another $100 to $1050. I looked at "Compare the Market" and they had cheap insuarance from providers that i had never heard of. They were also restricted on things like mileage and usage. I hopped on to Youi and was told a quick 5 minutes to get a quote. Well… Read more
15 minutes later and 1000 questions i got told that someone will call me to answer a few final questions.
Which they did the next day. But it wasnt just a few questions it was all the same questions that i had spent doing the night before. The guy was very friendly and charming. 40 minutes later i got a quote of $640 for roughly the same amount of cover, except no free unlimited windscreens and windows.
He joked that with the $400 saving we could lash out for a top family dinner.
The truth is it was not just $640 it was now $688, plus Emergency Services Levy, plus GST, plus Stamp Duty for a total of $803 which is only $247 savings
Now i am likely to stay with them as it is still a saving, but i honestly feel like I have been duped. I needed full disclosure on the costs.
Find out how Youi Car Insurance compares to other Car Insurance
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This was my first time using YOUi Insurance. I only recently became aware of the company through a TV advertisement, and I hadn't planned to get a quote for my comprehensive car insurance today. I was pleasantly surprised by how simple and easy the online quote process was. After answering a few straightforward questions, I received a message… Read more
saying that a customer representative would contact me. To my surprise, within a minute I was speaking with a real person.
These days, it's quite rare to be able to speak to a human so quickly. The representative was friendly, professional, and made the whole process easy and efficient. They answered my questions, took the time to understand my needs, and helped me complete my quote without any hassle.
The best part was the outcome—I saved over $400 on my comprehensive car insurance policy compared with my renewal premium. That made the experience even more rewarding and confirmed that it was well worth taking the time to get a quote.
It was one of the best customer service experiences I've had in a long time. I was so impressed with the service that I will definitely contact YOUi for a home insurance quote when my current policy is due for renewal in two months.
Thank you, YOUi, for your exceptional customer service. It was a genuinely positive experience.
We would like to provide this follow-up review of the experience with our Youi Car Insurance Claim that was submitted back on 1st November 2025. The process of getting to where we are on the final repair of the vehicle has been somewhat like the mating of elephants. It has been done on such a large and mammoth scale, with a lot of roaring from… Read more
both parties to the conception, and lastly, time taken approximately of 9 months to produce offspring. The birth of our repaired vehicle is truly amazing. It certainly has been well worth the grief, heartache and angst, to date, throughout this conception process. Our extreme thanks and appreciation, goes out to Gavin from Youi, and Jefferson, from ADR Hail Specialists at Darra Qld. We cannot speak more highly of the effort, service and quality of repairs provided by the staff at ADR. Further to the previous reviews provided throughout our experiences to date, the actions by Gavin and Jefferson has restored our faith in the products and services that Youi continue to offer. To reiterate, many thanks to all concerned on a deserved job well done.
Positive reviews
Managed to save a few hundred dollars which was helpful but also included the roadside assistance and windscreen replacement…..which covers all the cars glass and sunroof! Just advised my mate to try Youi and he signed up straight away. It is my second policy after selling the previously covered car a few years ago. Great to see they are still good value for money. Many thanks. Show details
I had a really positive experience with my insurance claim. I'd never been through the process before, but the team made everything simple and easy to understand. Everyone I spoke to was friendly, helpful and kept me informed along the way. They took the stress out of the whole experience, and I really appreciated how smoothly everything was handled. Great customer service from start to finish. Show details
Kai was extremely knowledgeable, patient and a delight to speak with. Nothing was left out; even if I needed to ask question again; I was not rushed. Saved me approx $800* on new vehicle (New for Old upto 2 years) Fantastic that Youi has roadside assist. *Saving after quote from my previous company 44 years valued customer. Take the challenge… Read more
obtain a quote. Extremely satisfied customer. PS. Your TV adds are so slap stick; you just have to watch for the gags. But the message gets across
Negative reviews
⭐ Think carefully before choosing Youi Based on our experience, I could not recommend Youi. What should have been a straightforward claim turned into nearly three months of delays, conflicting information, poor communication and constantly having to chase different departments ourselves. We eventually involved AFCA. Youi ultimately accepted the… Read more
accident-related damage, declared our vehicle a total loss and offered an additional payment recognising our claim experience.
Even after agreeing to the settlement and AFCA closing the complaint, we were still waiting for Youi to actually contact us to arrange payment, while insurance premiums continued to be deducted.
There have been some helpful individuals, but the overall experience has been exhausting. You don't really know the value of your insurance until you need to make a claim.
Based on our experience, I'd strongly suggest looking elsewhere.
Ridiculously expensive insurance regardless of the apparent savings on the adds and no wonder all the advertising they do its no wonder that the insurance is expensive with all the prime time advertising with that ridiculous person in the add and the even more silly people spinning around saying they saved. Show details
Why Youi want calling and annoying people just to get a quote for a comprehensive car insurance when every other provider can provide the quote online and contacting if needed? Not everyone enjoying talking to an insurance sales person! Show details
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