Youi

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Youi is an Australian insurance company offering car, home, business, and other personal insurance products, primarily sold directly to consumers.

Sunshine Coast, Queensland, Australia
youi.com.au
Owned by OUTsurance Group Limited

About Youi

Youi is an Australian insurance company based on the Sunshine Coast in Queensland, specialising in direct-to-consumer policies. Through its website (youi.com.au) and call centre, Youi offers car insurance (comprehensive, third party fire and theft, and third party property), home and contents insurance, landlord, business, motorcycle, caravan, and watercraft insurance. Youi is known for tailoring premiums to individual risk profiles by asking detailed questions about customers’ usage, lifestyle, and circumstances, and it manages policies, claims, and payments directly rather than through brokers.

A Youi charge on your bank or card statement is usually an insurance premium for one of your policies, either paid monthly, fortnightly, or annually. Charges may relate to new policies, policy renewals, mid-term adjustments (such as adding a driver, changing your car or address), or instalment payments set up by direct debit or card. You may also see temporary pre-authorisation amounts when first setting up a recurring payment, or when updating card details, as Youi verifies your payment method. Some customers who have obtained quotes and chosen to “buy now” over the phone or online may see a one-off charge for the initial premium or deposit.

If you’re unsure about a Youi charge, start by checking your email for policy documents, renewal notices, or payment confirmations from @youi.com.au, and log in to your Youi online account or the Youi app to review active policies and payment history. The reference on your statement may include “YOUI INSURANCE” or similar, which you can match to your policy number in your documents. To resolve questions, contact Youi on 13 YOUI (13 9684) within Australia or via the contact form or live chat at youi.com.au; have your full name, address, and, if possible, policy number ready. Common issues—such as duplicate payments, cancelled policies still billing, or incorrect instalment amounts—are usually handled by adjusting your policy, stopping future debits, or processing a refund where appropriate.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Youi.

  1. Youi - Premium Buddina AU

Frequently Asked Questions

Why am I being charged by Youi each month?

Youi commonly bills insurance premiums via monthly instalments by direct debit from your bank account or credit/debit card. If you agreed to pay monthly instead of annually when you took out or renewed a policy, you’ll see a recurring Youi charge on or around the same date each month. Log in to your Youi account or check your policy schedule to confirm your chosen payment frequency and next payment date.

What are typical Youi charge amounts and why do they vary?

Youi premium amounts differ from person to person based on factors like the type of cover (e.g., comprehensive car vs. third party only), your address, claims history, vehicle details, and selected excess. It’s common to see rounded instalment amounts (for example, regular monthly debits) and occasional different amounts when your policy is adjusted mid-term. If a charge looks higher than usual, check whether you’ve changed your cover, added optional extras, or reached a renewal date with a new premium.

Why do I see two Youi payments or a higher charge than expected this period?

You may see what looks like a double charge if a payment was retried after a failed debit, or if you changed your billing date and two instalments fell into the same statement period. A higher amount may also occur if Youi has included overdue instalments or adjusted your policy mid-term. Review your payment history in your Youi online account or contact Youi on 13 YOUI (13 9684) to have them break down the charges.

How do I cancel my Youi insurance so future charges stop?

To cancel a Youi policy, you need to contact them directly—either by calling 13 YOUI (13 9684), using live chat (when available) on youi.com.au, or via the Youi app. Ask to cancel from a specific date, and they will confirm if any cancellation fee or pro‑rata refund applies, depending on your product and how much of the policy term has elapsed. Once cancelled, future instalments should stop, and you’ll receive written confirmation of the cancellation.

How can I update or remove my payment method with Youi?

You can usually update your card or bank details by logging in to your Youi online account or app and going to the billing or payments section for your policy. If you want to remove a payment method or change from card to direct debit (or vice versa), you may need to contact Youi by phone so they can verify your identity and update your payment arrangement. Changes made close to your next due date may not affect an already‑scheduled payment, so confirm timing with the agent.

Why do I see a small or temporary Youi charge that later disappears?

Youi may place a small temporary authorisation on your card when you first set up or update your payment details to confirm the card is valid. This is not a real charge and should either not settle or be reversed automatically within a few business days, depending on your bank. If a small test amount remains on your account longer than a week, contact both your bank and Youi with the transaction details for clarification.

How do I request a refund for a Youi charge I don’t agree with?

If you believe Youi has charged you incorrectly—for example, after cancellation, for the wrong amount, or for a policy you did not authorise—contact Youi as soon as possible on 13 YOUI (13 9684) or via their website. Provide the date, exact amount, and last four digits of the card or account that was charged, along with any policy numbers you have. Youi will investigate, adjust your policy if needed, and may process a partial or full refund where their terms and conditions allow. If you can’t resolve it directly, you can escalate complaints to the Australian Financial Complaints Authority (AFCA).

How can I confirm which policy a Youi charge relates to if I have multiple policies?

Log in to your Youi online account or app and review each active policy’s payment schedule and recent transactions; the dates and amounts usually match what appears on your bank statement. Your emailed policy schedules and renewal notices also list the total premium and instalment details, which you can compare to the charge. If you still can’t match the transaction, contact Youi and they can search by your name and payment details to identify the specific policy.

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