Thread: youi car insurance

Nothing new, just reinforced what i already knew. Insurance is a scam, but you are damned if you do and damned if you don't.

I think the cheaper budget ones can be very finicky, years ago when renewing my driver's licence I sat next to a young lady that was insured by such a company, she'd had an accident, so they wanted her driving record from Qld Transport.

I looked at Youi for caravan insurance, similar with needing to ring me and I found they weren't cheap at all and some of their conditions annoyed me like they insisted that I use a wheel clamp when it's being stored behind a locked gate.

Originally Posted by RANDLOVER

I think the cheaper budget ones can be very finicky, years ago when renewing my driver's licence I sat next to a young lady that was insured by such a company, she'd had an accident, so they wanted her driving record from Qld Transport.

my ex, they wanted her police record when she made a claim.

A Youi story.

My sons mate ran up the rear of the sons Defender.As stupid as it seems,it happened.....

Youi said go here for a quote.The quote was something like $2 1/2 K.(this was about 10yrs ago)

Son had the option of getting another quote,and using a repairer of his choice,so he took it to a well known quality repairer in Eagle Farm.
Don't know if they still do,but they used to do a lot of LR work.

Their quote was just over $5K,and the quote was accepted.The parts came to nearly $2K.

Club 4X4,been there with the Land Cruiser.
Nice and cheap the first year,then it almost doubles the next.
They also cut a lot of things out,their disclosure statement is a must read.

For that vehicle we are now with RACQ,and have been for about 4 yrs.

I have been with YOUI for 13 years.
2 write offs and one $8500 claim and another claim of say $3000 all settled quickly.( these were no fault claims)
The market value is negotiable when the car is written off and I had it increased when I showed evidence that they were too low.
YOUI is a funny company in that you have to phone them at renewal time to get the best deal . if you are lazy and just accept the renewal notice they could be expensive.
However I have found them to be very competitive as I do a survey at every renewal.
Caravan is another matter. They are not competitive on caravans IMHO.
I am the perfect client of course. age 75 no demerits for many years , and only other driver my wife 78.
My son finds them uncompetitive. he is 49 and has written off several cars and bikes and has numerous demerit points and a licence loss. Even Shannons have said they will wipe him with one more write off.
So horses for courses . if you are an old codger and have a clean driving record I find them great and easy to deal with.
Regards PhilipA

Originally Posted by scarry

Club 4X4,been there with the Land Cruiser.
Nice and cheap the first year,then it almost doubles the next.
They also cut a lot of things out,their disclosure statement is a must read.

ah the lazy tax. but who has the time
whats not in their PDS?

Originally Posted by loanrangie

Nothing new, just reinforced what i already knew. Insurance is a scam, but you are damned if you do and damned if you don't.

im finding two things now:

1) company have starting saying, if you have a driver that not listed/nominated, their not covered.
i believe this is because kids are getting the insurance policy in their parents name. to make their premium cheaper
i dont have kids, but i do like my friends driving my cars.

2)
companies have starting refuinig to provide 3rd party insurance if the car is worth too much, forcing you to pay the higher comprehensive.