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Compare Youi insurance

What to know about Youi insurance, including customer satisfaction ratings and available discounts.
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Fact-checked

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE

Last updated: 7 Jun 2024
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Youi stands for You Insured. Youi operates mainly online, but also has a call-centre. It is based on the Queensland Sunshine Coast and has been operating in Australia since 2008.

On this page:

Phone: 13 96 84

Website: youi.com.au

Who owns Youi?

Youi is an Australian registered company and underwrites its own policies. It’s a subsidiary of OUTInsurance International Holding which is part of South African Rand Merchant Insurance Holdings Group. 

Youi underwrites Blue Zebra insurance, which sells its insurance products through brokers.

Is Youi Australian-owned? No

Is Youi nonprofit? No

Is Youi listed on the stock exchange (ASX)? No

Where does Youi operate?

  • Australian Capital Territory
  • New South Wales
  • Queensland
  • South Australia
  • Tasmania
  • Victoria
  • Western Australia

Which types of insurance does Youi offer?

How satisfied are Youi customers?

Compared with other insurers in our customer satisfaction survey, Youi rates above average for home insurance and can third in the overall satisfaction rating for car insurance.

Customer satisfaction with home insurance

Of the people we surveyed, 67% of Youi customers rated their experience with home insurance as above average or excellent.

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Home insurer customer satisfaction

Insurers rated as above average or excellent

RACQ (Queensland): 91%

RAA(South Australia): 86%

RAC (Western Australia): 78%

RACV (Victoria): 72%

Coles Insurance: 69%

Youi: 67%

ANZ: 67%

Suncorp: 65%

NRMA :61%

AAMI: 60%

Apia: 59%

Budget Direct: 58%

Everyday (Woolworths): 57%

Allianz: 55%

GIO: 55%

CBA: 51%

CGU: 48%

Qantas: 42%

Notes: CHOICE conducted a survey of 1682 policyholders of home insurance across Australia in March 2025. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas.  Ratings for specific insurers were only given by current customers of that insurer.

Customer satisfaction with car insurance

Of the Youi customers we surveyed, 77% rated their experience with car insurance as above average or excellent.

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Car insurer customer satisfaction

Rated as above average or excellent

RAA (South Australia): 91%

RACQ (Queensland): 85%

Youi: 77%

RAC (Western Australia): 77%

GIO: 75%

Shannons: 74%

NRMA Insurance: 72%

Woolworths Everyday: 71%

Qantas: 70%

Apia: 68%

Suncorp: 68%

RACV (Victoria): 64%

AAMI: 62%

Budget Direct: 62%

Allianz: 61%

Notes: CHOICE conducted a survey of 1800 policyholders of car insurance across Australia, including comprehensive car insurance, third party fire & theft insurance and third party property car insurance. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas. Fieldwork was conducted in March 2025. Ratings for specific insurers were only given by current customers of that insurer.

How does Youi rate on claims?

Home insurance claims

Youi customers who had made a home insurance claim rated their claims process above average with 65% of customers who made a claim rating the company as above average or excellent.

24/7 helpline: Yes

Car insurance claims

Youi also ranked above average for their car insurance claims process with 73% of car insurance customers who had claimed rating them as above average or excellent. 

24/7 helpline: Yes

Does Youi offer insurance discounts?

Youi does offer discounts from time to time and advertises them on its website, but they usually only apply to the first year and not renewals.

Does Youi let you claim online or in-app?

Yes, you can start and track home, car and other Youi insurance claims online.

Youi also has an app that lets you manage policy details, request roadside assistance and make a claim.