Saw the offer on TV tonight, logged into Youi, answered one question saying I am using my car less (actually travelling half the usual!) and received a confirmation email 20 minutes later. Easy as!
It’s for new and existing customers. All details and T&C’s as per link.
My thoughts….While a lot cars are actually being used less, make sure your answering truthfully, as with anything insurance related, they may knock back a claim if you have lied!
any cheaper alternatives?
aami, woolworths, budget, almost every insurance provider, depends what you value, but from my experience youi is a rip
I saved $200 on my premium with a lower excess. Works for some.
@Coops1: You should try the same with others. I guarantee you'll find cheaper than Youi, anyone else you look.
These guys were $700+ more than my current insurers (virgin).
@Bretttick: This is oZbargain, of course I tried..with several! Went from a $700 premium with AAMI to $500 with Youi. Also included was roadside assistance, gift cards, cheaper excess. Couldn’t do any better.
WOULD NOT recommend wollies insurance but Budget has been great
@DannyBoy: All insurance companies I find are the same, great to take your money but when there's a claim to be made , they come up with everything under the sun to avoid liability
@imurgod: Not true, I was with alliance not exactly cheap.
And they made me jump through hoops to get my car fixed, in the end had to lodge a complaint with fos,mind you not at fault claim also
@Bretttick: They're usually pretty decent at paying claims. There's obviously more to the story, especially if you're not at fault. What happened?
also bingle
Insured with Woolies in December:
comprehensive unlimited km on old car
Got quote: $339 / $308 5000km
Then used Woolies "price beat" of
$170 Suncorp 5000km online quote.
Cost: $140 for first year
Used code & received $100 credit on Rewards Card
Receive 10% off grocery shop once a month - stacks with other offers.
So effectively free comprehensive car insurance in first year.
Moving to another insurer with similar bonuses for a year at end of year. Then maybe back to Woolies😉
@idonteven: Effectively free!
Old: 1990 Honda Accord insured for $3500. Garaged in safe neighbourhood in Qld, 1 driver over 25, good history. Car was my Father's.
@[Deactivated]: First year bonus!
It's effectively free in the first year, after $100 credit & monthly 10% grocery discounts.
After that it would be $350 less grocery discounts. But my previous insurer is half that price.
It's a low risk for insurer & the car isn't worth much!
@INFIDEL: You can just do woolies again. I did that a week ago for the same benefits as the last year when i signed up. Just remember to call to cancel your old policy on the renewal date after you sign up.
@INFIDEL: No worries. Also screenshot any promos eg the 20k reward points during the online quote. I did a promo once for a $100 gift card and only got sent $50. Luckily i had a screenshot and when they asked for evidence .. Boom.
Also when doing the online quote it will ask you for your previous insurer. I put real insurance as thats what the woolie consultant said over the phone to do as there is no option to pick woolies insurance. But i dont think it matters in the scheme of things
@aka nioh: Wise! Took screenshots when taking up the offer in December. Had no problems - very easy.
I've been sent a $50 gift card in a promo when I should have been sent a $30 one. I didn't complain😊
Might give my previous insurer (to Woolies) when I apply.
I just asked them to match the cheapest quote I found. They did it and beat it by 10 bucks.
Always bargain……
Fk youi
Not in Qld. About half the price
Now it's 15% cheaper than the cheapest quote I got for both my cars.
Comparing insurance quotes person-to-person is silly. What the actuaries at one insurer see as risky, the ones at another see as low-risk. There are so many factors that go in to the price of a policy that prices should never be compared person-to-person.
Awesome. Thanks for this!
I've always found youi to be consistently more expensive.
Combined with the really annoying adverts means I won't ever consider them.
And constantly calling you!
That's the only time I've had women call me, lol
Same when I lived in Canberra, moved to Sydney and they were nearly cheapest, Brisbane they are cheapest by far.
Ozb wet dreams come true
Now more forum posts on rebates of insurance/rates/rego
I usually find them more expensive too - gave them a crack a week ago and they beat my renewal by $15. Plus I get 15% for 3 months premiums back with the added bonus of roadside assist and other discounts on their app. Got them to quote my partner's car which is not due until October - and they were able to do better on that as well. Unfortunately, could not beat St George on my home and contents though.
The government vehicle registration authorities like VicRoads should also be refunding everyone for regos since they've stopped us from using our cars…!
No.
It's not rego that's the killer in Vic - it's the "TAC Levy" which not even healthcare card holders can get reductions on.
They do but is like $160 off. Like a slap in the face
So good. Go Youi. You also get a discount if you use smartdrive.
Not to mention Youirewards.
I have been with YOUI for past 2 years , I have been able to get them to beat even cheapest options like bingle over 2 years now and paid upfront for a year on all my policies , saved further more. As you can check reviews of cheapest options are absolutely horrible. I would really suggest you to bargain a deal as I have done it successfully for 2 years now.
I have made 2 claims also without any issues , extremely satisfied.
Also not to forget , Youi rewards which is great as well.
Saved over 300 bucks in my TV using good guys gift cards. Just one purchase. And they are the cheapest by hundreds for me
what about budget direct?
Virgin Money's beat Youi big time for me, by 34% :\
How are people saving on Youi? Seriously?
family had various cars and Youi ALWAYS comes out as one of the top most expensive insurer.
1 - 2005 Mazda RX8: Youi quoted me $2300 - Just car insurance offered me $1500 (fair enough, they prob don't want the risk)
2 - 2016 Mazda CX3: Youi quoted me $1400 - Budget Direct $800
3 - 2005 Toyota Yaris: Youi quoted me $1200 - Woolworths and Budget Direct around $700 - $800. I thought Youi would be the cheapest as my mother is 50, she drives the car 2 times per week and it's always under 30km, driving to the shops and back and I still can't believe Youi quoted me that
Are your quotes like for like? Do you have a bad driver history or something? Haggle. You can get $50 off with cashrewards, 10% or was it $50 for smart drive and now 15% temp off.
Youi just a rip off in general bro.
Nothing to do with the driver rating
Nice an RX8! Try Shannons for them, if you rarely drive it will be cheaper with Shannons. Or just say you take it to Cars n Coffee or Show N Shine events only.
Fcuk Shannon's with a rusty pole.
They're just another crappy suncorp insurer now.
Think you have choice of repairer? Think again.
They tried to push me into capital smart bodyshop with my BMW, telling me it was a prestige repairer (spoiler: suncorp owns capital smart and everyone in the industry knows they are dreadful).
I couldn't get any of the actual prestige repairers to quote on the repair. As soon as I said it was with Shannon's they all said the same - no point, they won't pay our quote when capital smart charge $55/hour internal labour rate.
pretty close to my experience and got the no way we can match that
If you don't drive the rx much try ryno insurance. They've been great with my friend, cheap as chips and had agreed value at 40k for he's vl
1 mx5, nrma $700, aami $1100, budget $780, youi $440.
2 Mazda 3 budget $550, aami $580, nrma $860, youi $500.
With additional gift card promos and fuel promos, I've saved more than I spend on insurance.
MX5 really? I got a terrible quote for my ND RF, went with NRMA instead.
Cheaper than $440?
Same. I was quoted some absolute ridiculous amount for my wife's Sportage and even when we had our old banger runaround 2003 Accent, they wanted about $800 for 3rd party on a vehicle valued at $3k, and Bingle was about $300. They wouldn't budge or price beat at all. And then there's the constant phone calls and emails..
(And this is with a perfect driving history for both of us with no claims)..
Just Car insurance stopped offering policies back in January 2017 so your examples are very outdated.
To the people complaining about Youi being expensive, I was able to get 10% lesser monthly than my previous insurance just by saying to them that I find their quote on the high side.
Exactly , same happened with me mate. They are very good with price beating. May be people need to bargain hard.
Indeed.
It's getting insurance. Why should we need to haggle?
If you ain't ready for haggle mate , you ain't ozbargainer.
I am quite curious with this.
Was the quote using the same excess? They sneakily claimed to me that they were $300 cheaper when they jacked up the excess by abt $400.
Youi = youseless.
NRMA is cheaper for all our cars, might be where we live….but that is saying something. PLUS all these bonuses too like claim tools and belongings.
I won't go with NRMA again. Was with them for years then I had a claim which I was not at fault and they were terrible.
I wouldn’t recommend RAC either.
Depends where you live, almost double the cost of youi for my two cars.
Not enough!
Youi have been in the news for dodgy practices over the last few years. Are they better now?
NO
Used them twice for issues, a flat battery and someone hit and run my car, nothing but prompt excellent service. Got the same from aami when I was with them when they were the cheapest for me.
I’m with Youi. $600ish for 2015 Nissan Xtrail (with the 10% off through smart drive) and elsewhere were >$800. Saved a bit with the gift cards but most are the same savings as Suncorp (free bank acc to access). I stocked up on the 10% off Caltex star gift cards but they are very rare.
After reading other people's comments I thought I probably should add that I was comparing the same agreed value insured, same excess of $800, and 3 insured drivers being myself (late 20s), my husband (early 30s) and my father (70).
I actually ended up lowering Youi excess to $750 as the quote for $800 excess was less than $600!
Youi includes 2 roadside callouts per year and in my first year with them, I used them to jumpstart my dying battery. Very quick to respond. I've also cancelled the renewal with RACQ roadside but will join RACQ again if I plan on a big trip that Youi will have difficulty getting to me.
AAMI free 3 months insurance until the virus status is better.
Where did you find this?
Ask their staff
Youi has always been way more pricey for me than any other insurer…I think you need to be a boomer and drive a boring SUV to have any shot of getting a decent deal with them.
Last time I check Youi the quote was $850. Went with another insurer for $400.
Same but opposite. Crazy how it's so different for everyone.
nothing from RACV
I'm not here to advocate for Youi but those of you knocking them just because they were more expensive for you, doesn't necessarily mean that was the case for everyone else. I did an extensive amount of online quote gathering and Youi were by far the cheapest - I am in my early 30s and drive a 10y.o. sedan - and I even included my missus as a learner driver - and the price was still about $300 cheaper than the next best quote.
Then again, I've never had to make a claim so god knows what they're really like.
Prove it or else it's bs! Youi might not be the most expensive one, Coles came to mind, but definitely not that much cheaper..
I was on aami, for $1200, then nrma for $700 before they wanted to ramp it to $1600 the next year, called youi and got it for $480, the next year they took $40 off. Then youi rewards came out and saved hundreds each year on movies, good guys, petrol, jbhifi, super cheap gift cards. Next year they offer me $20 off again. Really not sure why there is so much variance that people are having.
The key points in my statement seemed to have gone over your head:
just because they were more expensive for you, doesn't necessarily mean that was the case for everyone else
I can't really prove it as I don't keep a record of those quotes other than the fact that I am an ozbargainer who (at the time) had lots of time on his hands.
But as I said, not here to advocate for them, they probably do suck. Just wanted to provide some perspective.
Many thanks OP 👍
The turd with the world's most punchable face is reason enough to avoid YOUI
Still lot more than 15% more expensive for me to begin with in recent years.. No deal for me. Can't believe people actually think youi is cheap. They're just fancy with their ad.
Any true ozbargainer wouldn't be with youi
Unless it was the cheapest quote
Sadly I fall in that category.
They're not looking hard enough
I looked very hard for both my cars. With gift cards and loyalty discounts I'm getting one car for free each year at least. Really crazy how for some, certain providers are cheaper than others. Either way, any ozb should recognise a deal, and I'm now saving 15% off of the cheapest deal I could find. Hells yes ozb.
@onlinepred: Well you're lucky because they are always double to triple other quotes every year I check. Age 30+, 10+ years rating 1, no claims, park in garage, drive 15 minutes to work and park at secure undercover park, no other driver, no finance, car < 10 years old. I'm not sure what their logic is. Perhaps you never drive your car?
@profane01: Pretty much the same. Drove my car to work, secure parking etc. I'm in Brisbane qld, it was more 3xpensove when I was in Canberra and Sydney. Nrma at the time was half the price of youi, seems in Brisbane they are the opposite.
Surprisingly they have been the cheapest for us for a couple of years now.
My dealings with Youi.
Just for a comprehensive car insurance quote.
Firstly on the TV ad, they always say how much they saved and not how much they paid.
This is a few years ago.
I already had a quote from NRMA, maybe around $1000, excess is $600.
Went online for comparison (to see how much I could save I guess), filled out all the info for Youi for a quote, after the entering the information. I just wanted to see a $ number, nope the phone rings right away, was on the call for 30 minutes or so.
So the initial quote was like $3000, I thought crap. The guy on the phone must of discounted at least six times during the call, the final quote of $1200 by increasing the the excess to $2000.
So I guess he could of saved me like $1800 dollars from their own quotes. It should be compared to other insurers. Who wants to pay a $2000 excess!
No thanks.
Same experience with me.
Total waste of 30-60 minutes of my time every time.
Last time I called and tried to save my 30 minutes of my time and tell them give me a quote for x, y and z with excess a,b and c, they actually refused and said "we can offer you a better quote by talking to you and understanding your conditions", which actually means "let me waste at least 30 mins of your time to jack up the excess so that it seems that i am offering you cheap insurance while actually ripping you off and hoping you wouldn't notice"
To those who may think that they get a cheaper quote from Youi, please make sure that you ask them to send things to you in writing and compare apples to apples.
My experience with them has been TERRIBLE where they consistently used high pressure sales tactic to push their product CLAIMING that they are cheaper by:
1. Pushing up your excess on their quote and comparing this against a lower excess from a competitor quote. Thus was used on me multiple times every single year. The salespeople only conceded that they arr more expensive AFTER you push them to admit that they jacked up their excess.
2. Constantly phoning you and unwilling to just immediately email the quote. They put you through different hoops so that they can avoid just sending you the quote directly. My impression is that they try to have you on the phone to "talk them up", but if you compare them on paper and think it through, they are THE WORST by far.
We drive an suv family car with about 12k milage a year, wife does shopping and school pickups most days, with no accident history. Therefore, I expected youI to give us a good quote (as per their ads). I tried for about 5 straight years every renewal before giving up. I WOULD NOT recommend them. Based on my experience, I got similar prices from AAMI for the same features. However, I have also gone with other cheaper insurers (woolies, coles, bingle etc). If you want a premium ensurer, then I would actually recommend RACV as I have also heard very good things abt them (I never joined though).
As per many other comments, I can confirm that Youi is certainly not an ozbargain-grade product.
You right mate, they will ask you to push up the excess fee to reduce the premium(although it is not changing that much, they ask me to set the excess fee to $800) , when I read the policy they sent to me, I found that I even need to pay the excess fee ($800) for fixing windscreen when others don’t need to pay for it.
Still 15% to expensive