- youi insurance - never use them, page-7

If you choose to insure your car with Youi...keep this in mind; From their PDS;

At our option, authorise the use of any combination
of original manufacturer, used or replacement
parts, in the repair of your car.

They can and will use second hand parts to repair your car...for many people that isn't an issue, for a car only a few months old it can be an issue.

If your claim is accepted and your damaged car can
be repaired, at our option, we will arrange repairs with
a repairer who is acceptable to us.

Wherever possible, we will offer you a choice of
repairer from our network of recommended repairers.
If we choose a repairer and authorise repairs we will
guarantee the quality of those repairs.

You may choose another repairer, however we may
not authorise repairs.
If we do not authorise repairs we will pay you the fair and reasonable cost of repairs as determined by us, considering a number of factors, including comparison quotes from an alternate repairer we choose and our Quality guarantee will not apply.