Updated 3 Nov 2017

Youi NZ

Car Comprehensive

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Full policy details

Policy

Underwriter
Youi
Underwriter's financial strength rating
B++ (A.M. Best)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 453 684
Cooling-off period
20 days

Standard excesses for fully-licenced, named drivers

Under 21
$500
21 to 24

$500

25 plus

$500

Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

No

Transport costs following accident

Transport and accommodation costs up to $1000

Accommodation costs following accident

Transport and accommodation costs up to $1000

Cover for natural disasters

Yes - storm, fire, earthquake

Other benefits

Damage to trailer covered under same policy

Optional extra up to $2500 (standard excess applies)

Cover for windscreens/windows

Yes

Possible to claim for broken glass without impacting excess/no-claims discount

No (but excess for windscreen/windows is reduced to $50)

Keys/locks replaced

Up to $1000

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

Yes

Rental car during repairs

Up to 14 days if car stolen (deposit required); otherwise optional extra (up to 14 days, deposit required)

No-claims discount protection (including at-fault crashes)

No

New vehicle replaced entirely

Yes, if less than 2 years old and 40,000km (and at your purchase, odometer reading less than 500km)

Car accessories included in cover

Yes - child car seats, personalised number plates, tow bars, window tints; other accessories included in the agreed value

Car accessories kept at home covered

No

Death and injury cover

Driver's death

No

Driver's personal injury

No

Driver's medical expenses

No

More info

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