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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 Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
AMI Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
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.
State Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Save $50 when you buy online. Optional roadside rescue, windscreen glass cover and hire car add ons.
Tower Comprehensive Car Insurance
$25,000,000
Agreed or Market
Yes
Optional
Save $50 online when you use the code SAVE50 and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
Cove Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Join now and get one month free on your new policy worth up to $100. Monthly contracts you can cancel any time.
AA Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Yes
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Everyday Plus Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Agreed value cover with lifetime guarantee on repairs. Most claims handled by phone with no forms to fill in.
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Compare up to 4 providers

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
AMI Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed
Yes
No
Optional cover for glass breakage, medical expenses and accidental death. No-claims discount of up to 60%.
State Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed
Yes
Optional
Save $25 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
Tower Third Party, Fire and Theft Car Insurance
$25,000,000
Market
Yes
Optional
Save $50 online when you use the code SAVE50 and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AA Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed
Yes
No
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Third Party, Fire and Theft Car Insurance
$20,000,000
Market
Covered up to the amount on your schedule
Optional
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
$10,000,000
Agreed
Yes
Optional
Discounts for named drivers only and excluding under 25s. Full no-claims bonus applied to new quotes.
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Compare up to 4 providers

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
AMI Third Party Car Insurance
$20,000,000
Agreed
Yes
No
No-claims bonus of up to 60%. Multi saver discount when you have two or more policies with AMI.
State Third Party Car Insurance
$20,000,000
Agreed
Yes
Optional
Save $10 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
Tower Third Party Car Insurance
$25,000,000
Agreed or Market
Yes
Optional
Save $50 online when you use the code SAVE50 and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AA Third Party Car Insurance
$20,000,000
Market
No
No
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Third Party Car Insurance
$20,000,000
Market
Yes
Optional
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
$10,000,000
Agreed
Yes
Optional
Discounts for named drivers only and excluding under 25s. Full no-claims discount applied to new quotes.
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Compare up to 4 providers

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
RentalCover.com Rental Car Insurance
$20,000.000
Market
Yes
Yes
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Compare up to 4 providers

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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