Trying to cancel Youi? Avoid the runaround.
Can you cancel your Youi subscription? Check eligibility and conditions
Youi makes cancelling your insurance straightforward. Here’s when you can cancel and what conditions apply:
- 20-Day Cooling-Off Period:
Youi offers a 20-day cooling-off period from policy inception. Cancel within this time (provided no claims made) for a full premium refund without cancellation fees. - No Claims Impact:
Cancellation is allowed even after making claims, but refunds might be affected since the policy has been used. - Cancellation by Policyholder Only:
Only the main policyholder can authorise cancellations. Other listed parties can’t request cancellation on your behalf. - Outstanding Premiums:
Ensure any outstanding premium for coverage used up to cancellation is paid. Refunds will reflect only unused portions of prepaid premiums. - NSW & SA CTP Specifics:
Special forms and processes apply for NSW CTP cancellations (via Youi’s NSW form) or SA CTP (handled by Service SA directly).
🔖 Tip: To maximise your refund, cancel within the 20-day cooling-off or time your cancellation at renewal to avoid fees.
How to cancel a Youi subscription, service or order
Cancelling with Youi is easy. Follow these clear steps:
- Log in to Your Youi Account:
- Access your policy online via Youi Portal.
- Access your policy online via Youi Portal.
- Complete the Cancellation Form:
- Select “Cancel Policy” within your account and submit your cancellation details (date, reason).
- Select “Cancel Policy” within your account and submit your cancellation details (date, reason).
- Alternative Method – Phone Cancellation:
- Call Youi customer service on 13 YOUI (13 9684) during business hours. Have your policy details ready.
- Call Youi customer service on 13 YOUI (13 9684) during business hours. Have your policy details ready.
- Confirmation & Documentation:
- Youi will send a written cancellation confirmation (email or reference number). Keep this as proof.
- Youi will send a written cancellation confirmation (email or reference number). Keep this as proof.
- Receive Your Refund:
- Youi calculates your refund based on unused premium minus the cancellation fee, refunded to your original payment method.
- Youi calculates your refund based on unused premium minus the cancellation fee, refunded to your original payment method.
🔖 Advice: For straightforward cancellations, use Youi’s online cancellation form. For immediate confirmation, phone cancellations are equally effective.
How long does a Youi cancellation take?
Keep these timelines in mind for a smooth Youi cancellation:
- Cooling-Off Deadline:
Cancel within 20 calendar days of policy start for a full refund without fees. - Effective Date:
Immediate cancellations or future-dated cancellations are possible. Clearly specify your preferred cancellation date when submitting your request. - Renewal Timing:
Cancel just before your policy renewal date to avoid mid-term cancellation fees and simplify your cancellation process. - Refund Processing:
Youi typically processes refunds within a few business days after cancellation. Expect refunds to appear in your account within 5–10 business days.
🔖 Important: To ensure continuous coverage when switching insurers, overlap policies by a day or coordinate dates closely.
Youi cancellation fees and final charges – what to expect
Understand Youi’s cancellation fees and charges clearly:
- No Fee Within Cooling-Off: $0 fee if cancelled within the 20-day cooling-off period without claims.
- Cancellation Fee (Post Cooling-Off): Youi charges a small administrative fee (approx. $22–$30) if you cancel your policy after the cooling-off period. This fee is deducted from your pro-rata refund.
- Pro-Rata Premium Refunds: Unused premiums are refunded minus the cancellation fee. You’ll only pay for the coverage you've actually used.
🔖 Note: Cancellation fees can be waived if you immediately start another policy with Youi.
Youi cases submitted through Ajust
I cancelled my Youi insurance policy and was told I’d be refunded $183.30, but the money never came through. I was counting on that refund for other expenses, so the delay caused real stress. After cancelling properly, I expected the process to be simple and timely, not something I had to chase and follow up on just to get my own money back. - John
Youi cancelled my father’s car insurance without proper notice, even though he has cognitive impairment and had paid premiums for years. A single email was sent to an account they should have known wasn’t monitored, leaving him uninsured and confused. The cancellation caused serious emotional and financial harm, and it felt careless and deeply unfair given his circumstances and reliance on that cover. - Ton
Consumer experiences with Youi cancellations
Successful Retention Offers: Many customers intending to cancel were pleasantly surprised when Youi offered discounts or matched competitor prices, resulting in continued policy satisfaction.
Easy Online Cancellation: Users frequently mention how straightforward cancelling via Youi’s online portal is, praising the smooth digital process.
Clear Communication, Minimal Fees: Customers appreciated Youi’s transparency regarding the small cancellation fee (~$22–$30), often stating it was fair and not a deterrent to cancelling.
Youi Cancellation FAQs
Can you cancel a Youi insurance policy at any time?
Yes, you can cancel a Youi insurance policy at any time, but the refund and fees depend on when you cancel. If you cancel within the 20-day cooling-off period and haven’t made a claim, you’ll receive a full refund. After that, Youi allows cancellations mid-policy, but you’ll usually pay a small administration fee and only receive a pro-rata refund for unused cover. Timing your cancellation carefully can reduce costs.
What happens to your refund if you cancel Youi after making a claim?
You can still cancel your Youi policy after making a claim, but your refund will likely be reduced or zero. Once a claim is made, the policy is considered used, which affects how much unused premium remains. Youi will calculate any refund based on the time left in your policy minus any applicable fees. This means cancelling after a claim is more about stopping future payments than getting money back.
Who is allowed to cancel a Youi insurance policy?
Only the main policyholder can cancel a Youi insurance policy. Listed drivers, additional insured parties, or family members cannot request cancellation on your behalf. This rule helps prevent unauthorised changes to active insurance cover. If you’re not the main policyholder, you’ll need to ask them to submit the cancellation online or contact Youi directly to complete the process.
How long does it take for Youi to process a cancellation and refund?
Youi cancellations are usually processed quickly, with refunds issued within a few business days. Most customers see the refunded amount in their account within 5 to 10 business days, depending on their payment method. You can choose an immediate or future cancellation date, which affects when charges stop. Keeping your cancellation confirmation ensures you have proof if delays occur.
Tried to cancel but Youi made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.