What Youi Insurance does

Youi Insurance is an Australian direct-to-consumer general insurer operating as Youi Pty Ltd (ABN 79 123 074 733, AFSL 316 511) under APRA authorization granted on 1 March 2008, with corporate origins tracing to 1998 through its sister company OUTsurance. The company provides personal and small business property-and-casualty insurance products — comprehensive car, third party fire and theft, third party property only, NSW CTP Green Slip, SA CTP, motorcycle, caravan and trailer, watercraft, building, contents, combined building and contents, landlord, and small business cover — distributed across all Australian states and territories. Its technology stack is a digital-first platform comprising an online self-service quoting portal, a mobile application for policy administration and real-time claims tracking, a 24/7 call centre with an average 30-second answer time, and a published monthly Ombudsman Claims Complaints Score for motor and home claims.

Youi sells primarily through direct channels — its website, mobile app, and inbound phone sales — augmented by regulated government integrations for CTP products (NSW Transport for NSW Green Slip portal, SA EzyReg). Pricing follows a quote-based subscription model with monthly or annual billing cadence, where premiums are calculated from individual risk factors (driving history, age, vehicle or property details, claims history, chosen excess). Revenue is generated entirely from insurance premiums with no disclosed public rates. The company's primary customer segments are individual Australian car owners, homeowners and renters, landlords, lifestyle-vehicle owners, and small business owners, with notable customer concentration in the long-tail individual consumer category.

Differentiation is anchored in a "you-shaped" customizable product proposition, the One Event One Excess multi-policy consolidation feature, transparent claims outcomes reporting, and a partnership with Digicall for bundled 24/7 roadside assistance on Comprehensive policies. Brand strength is evidenced by the Finder #1 National Car Insurer 2026 designation, Canstar Home Insurer of the Year 2025, WeMoney Car Insurer of the Year 2025, and a 4.7/5 Trustpilot rating across 29,917+ reviews. Youi is led by CEO Hugo Schreuder with CMO Angela Greenwood and COO Peter Broome, and remains a privately held company with no disclosed institutional investors or external funding rounds.

Name

Youi Insurance

Legal name

Youi Pty Ltd

Website

https://youi.com.au

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Youi Insurance is a privately held Australian direct-to-consumer general insurer offering car, home, landlord, lifestyle-vehicle, and small business cover across all Australian states and territories through digital, mobile, and 24/7 phone channels.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Personal lines insurance
• Vehicle insurance coverage
• Home contents insurance
• Compulsory third party insurance
• Small business insurance

Headquarters

HQ city

Sippy Downs

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Premiums: Youi generates revenue through insurance premiums paid by customers for car, home, business, and lifestyle insurance policies. Premiums can be paid monthly or annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Youi Insurance provides personal and small business general insurance products to Australian consumers, including car (Comprehensive, Third Party Fire & Theft, Third Party Property Only), motorcycle, caravan and trailer, watercraft, home (Building, Contents, Building & Contents, Landlord), NSW CTP Green Slip, SA CTP, and small business insurance, with 24/7 roadside assistance bundled on Comprehensive car and motorcycle policies. Products are sold directly to consumers via online self-service quoting, a mobile app, and call centre operations across all Australian states and territories.

Product overview

Youi Insurance is an Australian insurance provider offering a portfolio of personal and small business insurance products. The core offering spans vehicle insurance (car, motorcycle, caravan/trailer, watercraft), home insurance (building, contents, landlord), compulsory third party insurance (NSW and SA), and small business insurance. Roadside Assistance is a standard inclusion with Comprehensive car and motorcycle policies. The Financial Fitness Calculator is a free financial wellness tool. All products are administered through Youi Pty Ltd (ABN 79 123 074 733, AFSL 316 511) and are regulated by ASIC and APRA. The company traces its origins to 1998 through sister company OUTsurance and received its AFSL on 1 March 2008.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Vehicle insurance for Australian individual drivers offering Comprehensive, Third Party Fire & Theft, and Third Party Property Only coverage. Comprehensive includes 24/7 roadside assistance, new car replacement, windscreen cover, and coverage for electric and hybrid vehicles.
• NSW CTP Green Slip Insurance

Quantifiable outcome

• 4.7/5 Trustpilot rating from over 29,917 reviews
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• NRLcoreGTM or Marketing PartnerYoui is the official partner of footy fans, supporting supporters who get behind their teams. This is a sports sponsorship partnership focused on community engagement and brand awareness through the NRL league.
• Brisbane LionscoreGTM or Marketing PartnerYoui is a proud partner of the Brisbane Lions AFL team as part of the Made by Fans campaign, featuring the No.1 Fan series showcasing stories and memories from supporters.
• DigicallcoreStrategic or Co-development PartnerYoui has partnered with Digicall, one of Australia's top roadside assistance service providers, to deliver 24/7 roadside assistance services to Comprehensive car and motorcycle insurance policyholders.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Suncorp Insurance: Suncorp Group operates leading Australian insurance brands (AAMI, Bingle, APIA, GIO, Shannons) across personal and commercial lines. Comparable to Youi on personal car/home but operates at materially larger scale and through multiple brands and channels.
• NRMA Insurance: NRMA Insurance (IAG) is a major Australian direct and intermediated general insurer providing car, home, and lifestyle cover. It competes head-to-head with Youi on car and home in overlapping geographies and sets a benchmark for national brand reach and distribution.
• QBE Insurance: QBE Insurance is a major Australian-domiciled global general insurer with personal lines (car, home) alongside commercial and specialty lines. Comparable to Youi on personal car/home product overlap but at vastly larger scale and with a heavily intermediated distribution model.
• Allianz Australia: Allianz Australia is a large general insurer (subsidiary of Allianz SE) writing personal lines including car, home, and CTP across Australia. Comparable to Youi on car and home product overlap, but with materially broader scale, capital base, and intermediated channels.
• AAMI: AAMI is one of Australia's largest direct personal lines insurers (part of Suncorp Group), offering car, home, and CTP cover with brand recognition comparable to Youi. Its scale, multi-channel distribution, and broader product suite make it the closest broad-incumbent benchmark for Youi's direct model.

Emerging players

• Honey Insurance: Honey Insurance is a digital Australian home insurance start-up offering a fully embedded, smart-home-enabled contents product. It is an emerging direct peer where product overlap is partial (home) but distribution philosophy (digital-native, direct) is closely aligned with Youi.
• Huddle Insurance: Huddle Insurance is a digital-first Australian general insurer offering car and home cover through a fully online experience. It is comparable to Youi as a newer direct-to-consumer challenger competing on digital UX, though smaller and with narrower product set.

Regional players

• OUTsurance: OUTsurance is Youi's sister company (same group lineage tracing to 1998) and a direct insurer in Australia and South Africa with car and home cover. Direct strategic and operational comparison is highly relevant given shared DNA, though it operates across multiple geographies unlike Youi.

Direct peers

• Bingle: Bingle is a Suncorp-owned direct-to-consumer Australian car insurer selling exclusively online/phone. It is the closest pure direct peer to Youi on car insurance price-led positioning, though it does not offer Youi's home or lifestyle depth.
• Budget Direct: Budget Direct (Auto & General Services) is an Australian online/direct insurer offering car, home, and travel cover with a quote-based model. It mirrors Youi's direct distribution and product breadth, competing for the same price-sensitive Australian consumer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/youi_insurance
• YouTubeyoutube.com/@Youi_Insurance
• Facebookfacebook.com/YOUI
• Instagraminstagram.com/youi_insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Youi Insurance