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Owned By: FirstRand STI International B.V (part of the FirstRand Limited Group of Companies) Underwritten By: Youi Pty Ltd

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Youi can trace its origins back a decade ago, when OUTsurance Pty Ltd emerged from a group of entrepreneurs looking to create an insurance company with a difference. FirstRand Limited is a public company with market capitalisation of $10bn and has operating entities in Australia, Africa, U.S.A., U.K., South America andNew Zealand. The FirstRand Group has more than $120 billion of assets currently under management and employs in excess of 42 000 passionate people all over the world. At the heart of FirstRand’s phenomenal success is its entrepreneurial culture.

Youi Pty Ltd is a truly online car insurer in Australia commencing business in March 2008. At Youi Car Insurance they don’t assume. They ask you. Most car insurance companies don’t ask many questions when you get a quote from them. So your car insurance premium is calculated on certain assumptions they make about you and how you use your car. These assumptions are based on how other people use their cars.

Source: Youi

Comprehensive Motor
Owned by:
FirstRand STI International B.V (part of the FirstRand Limited Group of Companies)
Underwritten by:
Youi Pty Ltd
Pay by the Month:
Yes
Cooling off period:
20 days
24 Hour help line:
Yes
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
No
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
yes (only if repairer chosen by Youi)
New Car Replacement:
12 months /
Essential Repairs:
yes (inclluded in accom and transport)
Emergency Accommodation &/or Transport:
$100 per day (max $300)
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
Optional
Rental car after accident:
Optional
Windscreen Excess Reduction:
Optional
Third Party Property Motor
Owned by:
FirstRand STI International B.V (part of the FirstRand Limited Group of Companies)
Underwritten by:
Youi Pty Ltd
Pay by the Month:
Yes
Cooling off period:
20 days
24 Hour help line:
Yes
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
No
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
Yes (only if repairer chosen by Youi)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Windscreen Excess Reduction:
No
Third Party Property (Fire & Theft) Motor
Owned by:
FirstRand STI International B.V (part of the FirstRand Limited Group of Companies)
Underwritten by:
Youi Pty Ltd
Pay by the Month:
Yes
Cooling off period:
20 days
24 Hour help line:
Yes
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
No
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
yes (only if repairer chosen by Youi)
New Car Replacement:
No
Essential Repairs:
yes (inclluded in accom and transport)
Emergency Accommodation &/or Transport:
$100 per day (max $300)
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
Optional
Rental car after accident:
Optional
Windscreen Excess Reduction:
No