Yes. If you have a Comprehensive Car policy and a Home Policy (Building and/or Contents) at the same address your policies may qualify for a multi policy discount.
Full terms and conditions applicable to the Multi Policy Discount are available from www.youi.co.nz/mpd
Accidental damage is optional cover which you can choose to include with your building and contents cover.
Yes, cover for the burnout of electric motors that form part of your building and contents is included as standard.
Yes, we cover your home buildings and contents for loss or damage caused by flood.
You have the option to include Portable Contents Upgrade cover which provides cover for personal portable items when they are away from home.
Home buildings are the private domestic residence and other buildings at the premises, including permanently attached fixtures, fittings and structural improvements, but excluding earthworks.
Home contents are the removable property and items you are legally responsible for, which are kept inside your home or other secure buildings on the property, including curtains and blinds.
We cover the reasonable cost of emergency repairs needed to make your home buildings safe and secure following an insured event.
You nominate the total sums insured for your buildings and contents which are then covered on a new-for-old basis.
The amount you select will be shown on your schedule.
You can choose to add optional cover for accidental injury for your pets.
We cover the reasonable cost of temporary accommodation for up to 12 months if you cannot live at the premises after an insured event.
We also provide some cover for accommodation if there is an enforced emergency evacuation.
All our written correspondence with you will be by email including claims and policy documents.
If you can’t find an email from us, try checking your junk/spam folder, or if you’re using Gmail, check your Promotions tab. To ensure that you receive our emails, please add Youi to your contacts list.
We automatically provide you with these documents:
Amended documents will be sent you when you update or renew your policy.
You can also request a Certificate of Currency.
You can securely view and make certain changes to your policy at any time on our website by going to the ‘Manage Policy’ tab
You can choose to pay your premium annually or by monthly instalments. We accept direct debit from a bank account, Visa, or MasterCard.
We automatically renew your policy for you and will send a renewal offer approximately one month before it’s due.
If you wish to make changes at renewal (or at any other time during the period of insurance) please call 0800 00 YOUI (9684).
If we choose a repairer and authorise repairs, we guarantee the quality of those repairs for as long as you are the owner of the insured property.
Youi will be notified at claims time of any excess payable (basic and/or additional). The excess amounts will be noted on your policy schedule.
We will settle your claim by either:
For Contents-only claims - the EQC excess deducted is $200.
For Building-only claim - the EQC excess deducted is 1 percent of the amount payable for the claim, with a minimum of $200 (multiplied by the number of homes in the building if it is a multi-unit property).
For combined Building and contents claim - the EQC excess deducted is a minimum of $200 (multiplied by the number of homes in the building if it is a multi-unit property) or 1% of the amount payable for the combined building and contents claim – whichever is greater.