Youi Car Insurance

Youi no longer offers insurance in New Zealand!

Last updated:

Tower Insurance purchased Youi’s portfolio of 34,000 policies in January 2020. However, if you have a Youi policy which has not yet renewed to a Tower Insurance policy, your policy details should remain as they were for the time being.

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Youi cover options


  • Up to $20 million in legal liability cover if you cause an accident resulting in damage to someone else’s property
  • Reimbursement if your car is stolen
  • Cover for accidental damage to your car
  • Cover for natural disasters such as storms, floods or earthquakes
  • Cover if your car is damaged in a fire
  • Cover for additions such as baby seats, tow bars and window tinting
  • Complimentary hire car for up to 14 days, if your car is stolen
  • Up to $750 for items in your car, with a maximum of $150 per item
  • Up to $1,000 for emergency accommodation if you are stranded from home
  • Up to $1,500 for counselling sessions after a claim
  • Costs to tow your car to a safe location
  • Cover of up to $10,000 under Maritime Law if your car is transported by sea between New Zealand ports

Third party fire and theft:

  • Legal liability cover of up to $20 million if you are in an accident that is your fault and where someone else’s property is damaged
  • Reimbursement in case of theft
  • $5,000 towards repairing accidental damage if the other party was at fault, if you can identify the other party
  • Cover for damage due to earthquakes
  • Cover for fire damage to your car
  • $750 towards the contents of your car, with a $150 per-item limit
  • $1,000 to pay for emergency accommodation if you are stranded from home
  • $1,500 towards counselling sessions after a claim
  • Cover to tow your car back to a place of safety
  • Maritime Law cover of up to $10,000 in case your car is in transit between ports in New Zealand

Third party:

  • Cover for legal liability of up to $20 million if you are in an accident you cause which results in damage to someone else’s property
  • Up to $1,500 to facilitate counselling sessions after an accident
  • Up to $5,000 if your car is damaged by someone else in an accident, if you can identify this person to Youi
  • $10,000 towards loss under the Maritime Law if your car is transported between ports located in New Zealand

What is generally excluded by Youi?

  • Intentional damage by a person living at your address, or by the insured driver
  • Damage due to a person driving your car without your permission unless you report it as stolen
  • If your car is driven by someone who does not have a valid license
  • The driver of your car is under the influence of alcohol or another substance
  • The driver leaves the accident scene without stopping
  • Theft if the keys were left in your car
  • Accessories added to your car other than baby seats, a tow bar, window tinting or personalised plates
  • Repair costs if you use the incorrect fuel
  • Where the loss is covered by another insurance policy
  • Any events occurring outside of New Zealand
  • Your car is used to transport hazardous goods or is used for racing or testing
  • Wear and tear, rust, corrosion, mould or damp
  • Mechanical or electrical breakdown
  • Damage due to radioactivity including nuclear fuel, or a nuclear weapon
  • Wars, rebellion, terrorism
  • Damage due to looting or rioting

How much excess will I pay?

  • Windscreen claims. Some policyholders can pay an additional premium to reduce the excess charged for windscreen claims.
  • Roadside assistance. With roadside assistance from Youi you won’t be charged an excess for the first two claims per year.
  • Additional excess. Your policy schedule will detail which events will require the payment of an excess over and above the standard excess.
  • Driver excess. Young drivers and drivers not listed on your policy schedule may increase the excess.
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