Youi Car Insurance

Youi no longer offers insurance in New Zealand!

Updated

Fact checked

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.

Promoted
Tower Comprehensive Car Insurance
Tower Comprehensive Car Insurance
    • Save $50 when you buy online, plus a further 20% if you have two or more Tower policies.
    • Earn Airpoints with every policy.
    • Your choice of agreed or market value cover.

Compare other car insurance options

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft
State Comprehensive Car Insurance
Yes
Optional
Yes
Yes
Save $50 when you buy online. Optional roadside rescue, windscreen glass cover and hire car add ons.
Tower Comprehensive Car Insurance
Yes
Optional
Yes
Yes
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AMI Comprehensive Car Insurance
Yes
Optional
Yes
Yes
Agreed value cover and choose an excess that works for you. Add AMI's Standard Breakdown Service for $32 per year, including three call outs per year.
Cove Comprehensive Car Insurance
Yes
Optional
New car cover for accidental cover of cars less than 12 months old
Yes
Join now and get one month free on your new policy worth up to $100. Monthly contracts you can cancel any time.
The Warehouse Everyday Plus Comprehensive Car Insurance
Covered up to the amount on your schedule
Optional
Up to $150,000
Yes
Agreed value cover with lifetime guarantee on repairs. Most claims handled by phone with no forms to fill in.
Protecta Comprehensive Car Insurance
Yes
Yes
New for old replacement for vehicles less than a year old
Yes
Discounts for named drivers only and excluding under 25s. Full no-claims bonus applied to new quotes.
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Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft
State Third Party, Fire and Theft Car Insurance
Yes
Optional
No
Yes
Save $25 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
Tower Third Party, Fire and Theft Car Insurance
Yes
Optional
Yes
Yes
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AMI Third Party, Fire and Theft Car Insurance
Yes
No
No
Yes
Optional cover for glass breakage, medical expenses and accidental death. No-claims discount of up to 60%.
The Warehouse Third Party, Fire and Theft Car Insurance
Covered up to the amount on your schedule
Optional
Up to $75,000
Yes
Market value up to the amount covered. Up to $5,000 for damage caused by uninsured drivers.
Protecta Third Party, Fire and Theft Car Insurance
Yes
No
No
Yes
Discounts for named drivers only and excluding under 25s. Full no-claims bonus applied to new quotes.
Club Auto Third Party, Fire and Theft Car Insurance
Yes
Yes
N/A
Yes
Liability and completion of journey cover included. Can be purchased as short term cover for visitors to New Zealand.
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Compare up to 4 providers

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft
State Third Party Car Insurance
Yes
Optional
No
No
Save $10 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
Tower Third Party Car Insurance
Yes
Optional
No
No
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AMI Third Party Car Insurance
No
No
No
No
No-claims bonus of up to 60%. Multi saver discount when you have two or more policies with AMI.
The Warehouse Third Party Car Insurance
Yes
Optional
No
No
No-stress claims with no forms to fill in in most cases. Includes legal liability and damage by uninsured drivers.
Protecta Third Party Car Insurance
Yes
No
No
No
Discounts for named drivers only and excluding under 25s. Full no-claims discount applied to new quotes.
ANZ Third Party Car Insurance
Yes
No
No
No
Uninsured driver protection of up to $3,000 and legal liability up to $20 million.
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Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft
RentalCover.com Rental Car Insurance
Yes
Yes
N/A
Yes
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Youi cover options

Comprehensive:

  • 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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