Your budget. Your cover.
Maybe you don’t really need car or home insurance with all the bells and whistles? Perhaps you don’t want any of the extra, nice-to-have benefits and maybe you’re more than happy to go for an insurance package that takes care of all the basics?
If you want a low-cost, basic alternative to full-on, comprehensive car, contents and buildings insurance – Youi.Basic.Cover is the one to go for.
It’s clear cut, simple and let’s face it – much cheaper.
Different to usual comprehensive insurance, we simply deduct your excess from the final payout amount. This amount is then paid to you in cash which allows you to take care of any repairs or replacement parts yourself.
For Youi.Basic car cover, your excess is set at a default of R1 000 and for Youi.Basic Contents and Buildings Cover this is usually set at around R300. You can increase these amounts as needed.
Youi.Basic car cover
Is your car older than five years, paid off and worth less than R50 000? Simply tell us how much cover you need and we’ll get you sorted.
We’ll pay you up to 25% of the insured value when your vehicle is damaged because of fire, earthquake, explosion, snow, flood or storm. In case your vehicle is stolen, we’ll pay up to 60% of the insured value.
In addition, if you caused an accident and you can be held legally liable for damage to someone else’s car, we’ll pay for the damages (to a maximum of R500 000).
Our basic Youi car insurance package will also provide you with cover in countries outside South Africa (to include Zimbabwe, Swaziland, Namibia, Mozambique, Malawi, Lesotho and Botswana).
Youi.Basic contents cover
We will provide cover for a maximum of R50 000 where any act of nature, fire, impact by a vehicle or a burst or leaking geyser caused damage to your household contents.
If you can be held legally liable for causing a fire which resulted in injuries or damage to other people or their property, we’ll provide cover for up to R50 000.
At a small additional monthly premium, you can customise your Youi.Basic contents Cover by adding a few optional extras. These include All Risk cover for items you normally use outside of your home; theft cover for unoccupied buildings; cover in case of death of a member of your household; and insurance cover in case of theft.
Youi.Basic buildings cover
We’re happy to insure your building for a maximum of R200 000 in case of fire, acts of nature, or explosion. At an additional premium, you’ll also receive cover in case of death of a member of your household, or in case of theft.
In instances where you can be held legally liable for causing damage or injury to someone else or their property, we’ll provide cover to a maximum of R50 000.
- Pay super-low insurance premiums – guaranteed for 12 months at time.
- Receive a guaranteed Youi.Reward after three consecutive years of insuring with us.
- Receive world-class service from our expert insurance consultants.