What is YouSet Car Insurance Worth? Our 2025 Canada Review
Our expert's review on YouSet
YouSet impresses with its modern, digital approach to car insurance, operating as a broker that lets you build a customized policy. It offers all mandatory coverages, plus optional protections like collision and comprehensive, with flexible reimbursement ceilings up to $2 million for liability and adjustable deductibles, commonly around $500.
In a market with traditional insurers, YouSet stands out as a tech-driven aggregator, leveraging its digital model and comparison tools to deliver average annual savings of $285 and a streamlined user experience.
This platform is particularly well-suited for tech-savvy drivers, budget-conscious individuals, and anyone looking to optimize their costs by comparing multiple offers and bundling policies.
As a registered and licensed brokerage in Ontario and Quebec, YouSet demonstrates exceptional reliability, backed by a stellar Trustpilot rating of 4.9/5 from over 2,000 reviews, with claims managed efficiently by its vetted insurance partners.
- ✅Comparison of multiple insurers for the best price
- ✅Average annual savings of $285
- ✅Excellent Trustpilot rating of 4.9/5 from 2,000+ reviews
- ✅Fully online and streamlined process
- ✅Bundling discounts of up to 15% or more
- ✅Customizable coverage limits and deductibles
- ✅Proactive price monitoring at renewal
- ❌Acts as a broker; claims handled by partner insurer
- ❌Roadside assistance and rental car coverage are extra costs
- ❌No coverage for personal items stolen from the vehicle
- ❌Switching mid-policy may incur a termination fee
- ❌Standard policies exclude commercial use like Uber
Score- ✅Comparison of multiple insurers for the best price
- ✅Average annual savings of $285
- ✅Excellent Trustpilot rating of 4.9/5 from 2,000+ reviews
- ✅Fully online and streamlined process
- ✅Bundling discounts of up to 15% or more
- ✅Customizable coverage limits and deductibles
- ✅Proactive price monitoring at renewal
Our expert's review on YouSet
- ✅Comparison of multiple insurers for the best price
- ✅Average annual savings of $285
- ✅Excellent Trustpilot rating of 4.9/5 from 2,000+ reviews
- ✅Fully online and streamlined process
- ✅Bundling discounts of up to 15% or more
- ✅Customizable coverage limits and deductibles
- ✅Proactive price monitoring at renewal
- ❌Acts as a broker; claims handled by partner insurer
- ❌Roadside assistance and rental car coverage are extra costs
- ❌No coverage for personal items stolen from the vehicle
- ❌Switching mid-policy may incur a termination fee
- ❌Standard policies exclude commercial use like Uber
Score- ✅Comparison of multiple insurers for the best price
- ✅Average annual savings of $285
- ✅Excellent Trustpilot rating of 4.9/5 from 2,000+ reviews
- ✅Fully online and streamlined process
- ✅Bundling discounts of up to 15% or more
- ✅Customizable coverage limits and deductibles
- ✅Proactive price monitoring at renewal
In a market with traditional insurers, YouSet stands out as a tech-driven aggregator, leveraging its digital model and comparison tools to deliver average annual savings of $285 and a streamlined user experience.
This platform is particularly well-suited for tech-savvy drivers, budget-conscious individuals, and anyone looking to optimize their costs by comparing multiple offers and bundling policies.
As a registered and licensed brokerage in Ontario and Quebec, YouSet demonstrates exceptional reliability, backed by a stellar Trustpilot rating of 4.9/5 from over 2,000 reviews, with claims managed efficiently by its vetted insurance partners.
Why trust Hellosafe?
Every year at HelloSafe, our expert analyses the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month to help them with their most important financial decisions.
The YouSet car insurance guarantees
YouSet offers customizable car insurance policies where drivers select mandatory protections—third-party liability, accident benefits, and uninsured motorist—then add optional coverages like collision, comprehensive, and roadside assistance according to their needs.
All risk and deductible levels are set by the user during purchase, with liability limits typically at $1 or $2 million and deductibles often ranging from $500 to $1,000. Key benefits include competitive digital discounts, proactive price monitoring, and a streamlined, paperless experience compared to traditional brokers.
However, add-ons like rental car coverage and roadside assistance are optional, and personal items or vehicle accessories are not included under standard plans. Overall, YouSet’s flexibility and bundling can provide better value and convenience than conventional offerings in the Canadian market.
| Warranty name | Customizable plan |
|---|---|
| Formula positioning | Bespoke coverage based on selected options |
| Type of cover | Mandatory liability + optional add-ons |
| Reimbursement rate (% of damages covered) | Up to 100% of covered damages; insurer limits may apply |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | User-selected, often $500–$1,000 per claim |
| Waiting period (before certain guarantees take effect) | None indicated; immediate upon payment |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history required; NC others |
| Payment facilities (monthly, quarterly, annual payments) | Monthly and annual payment options |
| Advance payment of claim-related costs | Not standard; reimbursement on approval |
| Compensation at purchase value/agreed value/replacement value | NC; some policies may offer replacement cost as an option |
| Third-party liability (bodily injury and property damage to others) | Mandatory; limits $1M or $2M selectable |
| Own vehicle damage (collision, regardless of fault) | Optional, covered if collision chosen |
| Theft of vehicle (partial or total) | Covered if comprehensive added |
| Fire (accidental or criminal) | Covered if comprehensive added |
| Broken glass (windscreen, windows, sunroof) | Covered under comprehensive or collision |
| Natural disasters (hail, flood, storm, etc.) | Covered if comprehensive added |
| Acts of vandalism | Covered if comprehensive added |
| All-risks damage (accidents of any cause, including at-fault) | Only possible by combining collision and comprehensive options |
| Driver personal injury cover (death, disability, medical expenses) | Accident benefits standard; specifics vary by province |
| Passenger injury cover | Included in accident benefits |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Not insured unless noted in policy |
| Personal belongings inside the vehicle (excluding cash and documents) | Not covered (see home insurance) |
| Child equipment (seats, pushchairs) | Not covered as standard |
| Replacement vehicle (during repairs or after total loss) | Covered if rental car option is added |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Covered if roadside assistance option is added |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | Not covered as standard |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC |
| Trailer or caravan towing cover | Third-party only while attached; full cover NC |
NC = Not communicated. Some benefits may depend on the specific insurer selected via YouSet.
Good to know
YouSet operates entirely online, providing instant quotes, mobile-friendly account management, and paperless policy documents. Claims are filed and tracked digitally, with customer support available via your YouSet account or by phone/SMS. Exclusive digital discounts and automatic monitoring at renewal help ensure you always keep your price competitive.
Understanding Car Insurance Exclusions
YouSet car insurance policies exclude claims for mechanical breakdown, wear and tear, cosmetic-only damage, mold, rust, pest or rodent issues, and damages caused by neglect or poor vehicle maintenance.
Personal belongings inside the car are not covered under auto insurance, but instead fall under home, condo, or tenant insurance policies; this separation is standard but can catch users unaware. Coverage is not extended for commercial usage such as ridesharing or delivery services unless a specific endorsement is added, and rental moving trucks are specifically excluded from coverage, which is a distinction compared to some competitors.
Trailer insurance is limited, often only providing liability when the trailer is towed, while damage to the trailer itself is not typically covered. Unusually restrictive exclusions are not present, but users should be mindful of gaps linked to bundled or cross-product coverage, especially regarding personal effects and key loss.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use |
|
| Exclusions linked to the driver |
|
| Technical exclusions |
|
| Exclusions for personal property |
|
| Exclusions for trailers |
|
| Maintenance and negligence exclusions |
|
| Contractual exclusions |
|
| Geographical exclusions |
|
- Commercial/rideshare/delivery use not covered
- Use of moving trucks not covered
- N.C.
- Mechanical breakdown and wear/tear not covered
- Cosmetic-only damage (paint, dents) not covered
- Personal belongings in the car excluded
- Key replacement only if stolen with car and per policy terms
- Only liability for towed trailers, trailer damage not covered
- Mold, rust, pests, and damages from neglect/poor maintenance not covered
- N.C.
- N.C.
The cost of YouSet car insurance
YouSet is positioned as a competitive, digital-first broker, using an online platform to deliver customizable coverage and compare multiple insurers, generally resulting in lower rates due to automated shopping and exclusive digital discounts.
Its platform allows users to adjust liability limits, deductible amounts, and add or remove optional protections, offering considerable flexibility compared to most traditional insurers. While coverage options and policy limits are on par with the market, costs are typically below average for similar benefit levels, especially for tech-savvy or bundling customers.
Strengths include seamless digital management, proactive price monitoring, and a consistently high customer satisfaction rating, but the purely online model may not suit customers seeking in-person advisory or specialized endorsements.
Compared to legacy insurers, YouSet stands out for affordable pricing and self-service, although the breadth of specialized or ultra-high-limit options may be more limited.
| Basic third-party | Standard (liability + comp/collision) | Maximum bundled option | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $99/month | $148/month | $131/month* |
| Standard driver (35-45 years, intermediate vehicle) | $54/month | $85/month | $68/month* |
| Senior driver (60-70 years, city car) | $39/month | $59/month | $51/month* |
| Driver with an at-fault claim within 3 years | $162/month | $204/month | $185/month* |
| New SUV driver | $69/month | $107/month | $83/month* |
| Driver with more than 25,000km/year | $73/month | $117/month | $89/month* |
*Maximum bundled option: Price with optimal car/home insurance bundle across multiple insurers via YouSet.
Compare providers using YouSet’s tools to secure the lowest possible price for your unique situation:
Compare the best car insurance plans for free!Start comparingYouSet Car Insurance Discount Codes
| Promotional codes YouSet | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with YouSet?
| Claim or service | Average cost (CA$) | YouSet: Third-party liability & accident benefits (excluding excess) | YouSet: Collision (excluding excess) | YouSet: Comprehensive (excluding excess) |
|---|---|---|---|---|
| Replacement after theft | $18,000 | ❌ | ❌ | Up to actual cash value, out-of-pocket: deductible applies |
| Repair after at-fault accident | $4,300 | ❌ | Up to repair cost, out-of-pocket: deductible applies | ❌ |
| Windshield repair | $450 | ❌ | Up to full repair cost if from collision, out-of-pocket: deductible applies | Up to full repair cost if not collision, out-of-pocket: deductible applies |
| Animal collision (e.g., deer) | $5,600 | ❌ | Up to repair cost, out-of-pocket: deductible applies | Up to repair cost, out-of-pocket: deductible applies |
| Hail damage repair | $2,300 | ❌ | ❌ | Up to repair cost, out-of-pocket: deductible applies |
YouSet Car Insurance Assistance
YouSet makes roadside assistance available as an optional add-on, providing drivers with breakdown, flat tire, and towing support, which is useful for those who travel frequently or over long distances.
However, emergency coverage is not included by default and must be actively selected, which means some drivers could be left without support in unexpected situations if not chosen at policy setup.
A replacement vehicle is available only if the policyholder adds rental car coverage, so those relying on courtesy vehicles after accidents should ensure this endorsement is included.
There is no indication of support for alternative transport, accommodations, 0 km towing, animal transport, or key recovery—factors that could limit policy responsiveness during specific incidents.
Overall, while YouSet’s model offers flexibility, drivers should carefully review and select assistance upgrades to avoid notable omissions, especially compared to competitors with more inclusive built-in support.
| Support YouSet | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Available as an optional add-on. |
| Towing to repair facility / Extended towing | ✅ | Included with roadside assistance add-on; covers towing if selected. |
| Assistance from home (0 km) | N.C. | N.C.; not explicitly stated in available sources. |
| Replacement vehicle | ✅ | Only with optional rental car coverage; not standard. |
| Alternative transport or accommodation | N.C. | N.C.; not mentioned as covered or available in summaries. |
| Vehicle repatriation | N.C. | N.C.; no reference to service outside Canada or return of vehicle abroad. |
| Assistance abroad | N.C. | N.C.; not specified whether service extends outside Canada. |
| Assistance for electric vehicles | N.C. | N.C.; no specific mention of EV-related assistance options. |
| Battery assistance & fuel misfuelling | ✅ | Available under optional roadside assistance if purchased. |
| Legal assistance after an accident | N.C. | N.C.; no inclusion of legal defence or recourse coverage is specified. |
| Assistance for animals on board | N.C. | N.C.; no indication of coverage for pets in the vehicle during a breakdown/accident. |
| Key recovery & lock replacement | N.C. | N.C.; key coverage not specified unless keys are stolen with the insured vehicle. |
Customer Reviews of YouSet Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.9/5 (2,016 reviews) |
We have analyzed the reviews on the above-mentioned sites:
- ✅ The online process is described as fast and very easy to use.
- ✅ A significant amount of customers highlight substantial savings compared to traditional providers.
- ✅ The professionalism and responsiveness of customer support are often mentioned positively.
- ✅ The availability of clear information and transparent policy options is highly appreciated.
- ❌ There are occasional remarks about the need for more detailed initial explanations on certain coverage options.
- ❌ Some users would prefer more direct phone support at all claim stages, especially in complex scenarios.
- ❌ A small number of clients note delays in communication during peak periods or major weather events.
How to Contact YouSet?
| Customer service YouSet | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Submit via your insurer's claims process, accessed through your YouSet account. For guidance and follow-up, use the online portal or contact support via your account. |
| To request and track a refund | Log in to your YouSet account and submit a request via the online portal. Refunds are processed by the insurer, typically to your bank account on file. Processing times vary; average period not publicly specified. |
| To obtain an insurance certificate | Log in to your YouSet account and download it directly from the online portal. |
| To contact assistance | Use in-portal chat or help feature in your YouSet account. Phone/SMS support available; request callback via online portal. |
| To cancel my contract | Submit a cancellation request via your YouSet account. Notice period and required documents (policy number, proof of new insurance if needed) depend on insurer. Early termination fees may apply. |
For guidance and follow-up, use the online portal or contact support via your account.
Refunds are processed by the insurer, typically to your bank account on file.
Processing times vary; average period not publicly specified.
Phone/SMS support available; request callback via online portal.
Notice period and required documents (policy number, proof of new insurance if needed) depend on insurer.
Early termination fees may apply.
FAQ
Do I have to pay in advance for repairs or assistance with YouSet?
YouSet does not pay auto repair shops or towing services directly. In most cases, you pay the provider upfront and are then reimbursed by your insurer after your claim is approved. Some partner garages or insurers may offer direct billing, but this is not guaranteed with every policy. Always confirm with your insurer at the time of claim to understand the payment process. You should retain receipts for any work performed or assistance received. These will be required for reimbursement.
How do I cancel my car insurance contract with YouSet?
To cancel your YouSet car insurance, log in to your YouSet account and follow the cancellation instructions, allowing for a typical 30-day notice period and submitting any requested documents, such as a signed cancellation request or proof of new coverage.
Can I bundle my car and home insurance with YouSet?
Yes, YouSet allows you to bundle car and home insurance either with the same provider or across different ones, showing you options for the cheapest bundled package. Bundling can often save you up to 15% or more on your premiums. The platform compares multiple insurers for you and finds the best deal. You can customize coverage on both policies. Final bundle savings and coverage details are clearly shown before you confirm your policy.
What should I do if I have an accident and need to submit a claim with YouSet?
If you’re in an accident, make sure everyone is safe first and call emergency services if needed. Document the scene with photos and gather information from all involved parties. Log in to your YouSet account and follow the steps to submit a claim; your insurer will handle the claim process. YouSet offers support and follow-up via your account if you need help. Keep copies of all receipts, records, and communications just in case.
Is roadside assistance included in my YouSet car policy?
Roadside assistance is not included by default in YouSet car policies. You can choose to add this coverage during the purchase or renewal process for an extra charge. With roadside assistance, you’re protected against towing, flat tires, dead batteries, and other common issues. Coverage activates immediately upon addition to your policy. Always check your policy documents or contact YouSet support to verify your coverage limits and services included.
Do I have to pay in advance for repairs or assistance with YouSet?
YouSet does not pay auto repair shops or towing services directly. In most cases, you pay the provider upfront and are then reimbursed by your insurer after your claim is approved. Some partner garages or insurers may offer direct billing, but this is not guaranteed with every policy. Always confirm with your insurer at the time of claim to understand the payment process. You should retain receipts for any work performed or assistance received. These will be required for reimbursement.
How do I cancel my car insurance contract with YouSet?
To cancel your YouSet car insurance, log in to your YouSet account and follow the cancellation instructions, allowing for a typical 30-day notice period and submitting any requested documents, such as a signed cancellation request or proof of new coverage.
Can I bundle my car and home insurance with YouSet?
Yes, YouSet allows you to bundle car and home insurance either with the same provider or across different ones, showing you options for the cheapest bundled package. Bundling can often save you up to 15% or more on your premiums. The platform compares multiple insurers for you and finds the best deal. You can customize coverage on both policies. Final bundle savings and coverage details are clearly shown before you confirm your policy.
What should I do if I have an accident and need to submit a claim with YouSet?
If you’re in an accident, make sure everyone is safe first and call emergency services if needed. Document the scene with photos and gather information from all involved parties. Log in to your YouSet account and follow the steps to submit a claim; your insurer will handle the claim process. YouSet offers support and follow-up via your account if you need help. Keep copies of all receipts, records, and communications just in case.
Is roadside assistance included in my YouSet car policy?
Roadside assistance is not included by default in YouSet car policies. You can choose to add this coverage during the purchase or renewal process for an extra charge. With roadside assistance, you’re protected against towing, flat tires, dead batteries, and other common issues. Coverage activates immediately upon addition to your policy. Always check your policy documents or contact YouSet support to verify your coverage limits and services included.
On the same topic
