Youi Car Insurance Questions & Answers (page 3 of 9)

You sure can Smef, it will be a question we ask during the quote flow, but does not affect the ability to take out a policy. Cheers Josh

Hey Normy, thanks for reaching out. I’ll need more information to locate the profile in our system. Any policy documentation would have been sent to your nominated email address we have on file. Could you send me your contact details to [email protected] & I’ll be in touch. - Lauren

I hope everything is alright Jack! There is an exclusion in our current PDS & here is the link: https://www.youi.com.au/GetPDS?riskType=VEH - See page 19 – “We will not pay for any loss, damage or legal liability caused directly or indirectly:", "14. when the car is being driven by a person whose driver’s licence is suspended, cancelled or has special terms applied to it unless you have told us about it, we have accepted this and it is shown on your policy schedule;”
Please also consider that each claim is based on its own merits. Would you like me to call you to discuss this further? Alternatively, my direct line is 0731563531 & I’d be happy to answer any questions - Jeremy

Great question Bartschy! Providing you are under the legal limit & the alcohol is not directly related to the incident, you’re covered. I hope this helps Bartschy :O) Cam

Keen to give it a go Sabuj, if you’d email me your full name & contact number, I’ll give you a call. My email is [email protected], hope to hear back soon. Lauren

Hi Sudeep. Your normal mechanical repairs are not covered by the policy. The general exclusion from the PDS reads: We will not pay for loss, damage or legal liability caused directly or indirectly by: mechanical, electrical or electronic (including computer software) breakdown or failure; Thanks for asking a great question -Jeremy

We do have a couple of exclusions that may apply in this instance. Such as if the breakdown occurs outside a service area, or where we are not able to access the car due to it being in a restricted area, including but not limited to airports, security controlled zones and community events, we would not be able to assist. We will recover the car if it is bogged provided that there is reasonable and safe access for a conventional two-wheel drive recovery vehicle and no other specialist equipment is needed. Hope this helps, if you need anymore info let me know :) Cheers Josh

Great question Sal & I hope you’re not asking due to prior experience!? We have an exclusion in the policy which states “by the use, or accidental addition by any person, of incorrect lubricants, fuel, oil or other fluids, which are not recommended or specified by the manufacturer;” That said, each claim is based on its own merits. If you have a specific scenario, we'd be happy to help so please get in touch. Regards, Jeremy

Hi Marlene, our contact is 1300 221 036 for any queries. If there’s something I can assist with, email [email protected] with your contact. Thanks for your time, Robyn :)

Hi Graeme, the very short answer is we can “possibly” provide you cover & the only way to be sure would be to complete a quote. I only say this because there are some cars and caravans that fit outside our underwriting guidelines. Youi Assist roadside assistance is included in the cover, limited to areas that can be accessed by a 2wd service VEH, & not on all islands (where ferry is required). Youi Assist includes 2 x excess free call-outs per contract period (12 months) & for additional call-outs, there is a $150 excess. It’s always best to consult the PDS to the levels of cover & you’ll find the limits to Youi Assist on page 15 of the current PDS.
Thanks for the great question & cheers, Jeremy

Hi Jennifer, the Youi rewards are a program we’ve got to help get a bit more out of your premiums. You’ll accumulate Youidollars for your policy which you can use in exchange for discounts on various things. There’s different deals depending on where you are, for example there’s an offer right now for up to $15 off two adult movie tickets. You use 15 Youi dollars & pay $29AUD for two e-saver tickets. To cap things off there’s also a popcorn deal :) I hope this helps, if I’ve missed anything feel free to contact [email protected] & I can give you specifics. Thanks for getting in touch! - Ella

Yes, we are a different entity, still we share many of their great qualities! Cheers Robyn :)

I’d love to Neville! Are you able to send the details of your current policies to [email protected]? I’ll have one of the team get in touch & get a quote done – Ella :)

Hi Facetoface! Thanks for reaching out, repairs quality is super important when selecting an insurer. Youi uses a combination of genuine, refurbished or alternative parts depending on the vehicle & nature of repair. We’ll use genuine parts any time warranty is an issue & for older vehicles it can vary a lot depending on circumstances. If there’s an alternative part that does the same thing like a windscreen, we’ll usually go with that so you’re not paying a fortune in premiums. Sometimes for older cars, new genuine parts simply aren’t available or in circulation so we often have to go for alternative parts. I’d love to speak over the phone & try to give you more relevant info, did you mind sending your details to [email protected] or in a PM?

Cheers Boris, thought I’d forgotten something there. Proud to confirm Youi also offers a lifetime guarantee on all authorised repairs for that extra peace of mind :)

A claim is never a situation any of us want to go through Graham & our aim is to have you back on the road asap. Insurance is about risk & many factors are taken into account when calculating the premium e.g. increase of risk, part costs & claims just to name a couple. With this said depending on your policy cover we would give you all the options available to help your claim progress smoothly as possible. I’m keen to look further into your case & see if I can shed more light for you. Please email [email protected] your policy/claim details & I’ll give you a bell. Look forward to hearing from you, Robyn.

Great questions Hdnl,
It all depends on how successful we are at recovering that excess from the other party. So, if it’s clear from the start that the other party is at fault, & if the details of the other party are collected (including name, address, contact number & insurance company) we can often waive the basic excess quickly but not the additional excess. After an incident, in the background, we explore who’s at fault – this can be a subjective opinion closely relating to what can be proven if it ever went to court for example. Even when it’s obvious to you who was at fault, when all the information is at hand, it can be surprising what a legal standpoint is, say just for example, there are no witnesses. It can take time & there are many unknowns so to get the car repaired we often collect the additional unlisted driver excess. Then, only once (or if) we’ve recovered that additional excess, the excess can be refunded.
Your premium is calculated on our risk analysis. Say you’re the best driver on the planet & you drive in peak hour very day of the week, you’re statistically more likely to be hit by another driver compared to the same driver who never commutes. That’d be fine if we recovered all costs associated with not-at-fault incidents but we don’t. As a result, not-at-fault incidents can increase your premium because statistically it could mean that you’ll be hit again. Not your fault but we’re talking statistics here, & as an insurer we’re attempting to predict the future! Thankfully, it’s not weighted as heavily as an at-fault claim against your premium.
I’m sorry for the long-winded explanation & I hope I’ve answered your question?
Cheers, Jeremy

Here to help! The Maleman always delivers for us so I’m keen to deliver for you. I’ll take a look at your claim to get my head around the circumstances then give you a call to go through what we can do. Are you able to send me your claim details in a PM or to [email protected]? I’ll keep an eye out & hopefully we’ll be in touch soon :) - Ella

Hi Bilal, if you have a 4x4 that is designed to be driven off road you ARE covered if you are driving off road. Our roadside assistance, Youi Assist (for flat tyres, flat batteries etc.), we can only come to your rescue if a two-wheel-drive service vehicle can access the location. Does that answer your question? Cheers, Jeremy

Hi David, currently there’s an offer through YouiRewards where you can purchase Caltex vouchers. You use YouiDollars to receive a 5% discount off a $50 StarCash digital fuel card. No scam, you can always download the Youi app & check out all the T&C’s for yourself. Also, if you complete a quote with us, we’re offering you 100 YouiDollars with the “Youi can’t lose” promo – that way you get to test out YouiRewards without even starting a policy! If at all you’re worried, search the internet for what others are saying ;) Cheers, Jeremy

Hi there Felicity, thanks for giving us a go & sorry it’s not worked out this time. Our “you can’t lose” promotion means if you get a quote from us & don’t go ahead, we’ll give you 100 of our Youi dollars to use in our rewards app. The code will arrive via email 7 days after the quote is completed & you can then use the Youi dollars through the app towards various discounts on everything from food to fuel to holidays! Hope this helps, if it’s been 7 days & you’ve not seen the code yet just send me an email to [email protected] & I’ll chase it up for you. Thanks for posting – Ella :)