It wasn't just the automotive market that changed over the years. With the evolution of cars and drivers, car insurance has also undergone a series of rather interesting variations, and one that has been gaining considerable notoriety is Youse Auto Insurance. 

If you own a car and want to protect it but are looking for a fair price, you'll probably be interested in Youse Auto insurance. Today we'll talk about how it works. Let's check it out:

Youse is a sales platform for insurance While it's online, its recent arrival on the market still raises many questions precisely because of its innovative and different format, especially for older drivers. 

Contrary to what many believe, Youse is not an independent insurance company, but rather a sales platform of Caixa Seguradora, which is already considered reliable. 

Youse is a relatively young insurance company that started its operations recently. 

For this reason, and because it offers more affordable prices than the competition, many consumers who are not yet familiar with the service have a number of questions about the company. This is quite natural. 

Many people ask, for example, if Youse car insurance is reliable and don't know if it's worth buying. We at Senhor Carros guarantee: There's nothing to worry about. 

As mentioned, although the commercial name is Youse, the operator has the credibility of Caixa Seguradora behind all its activities. While Caixa Seguradora is a renowned company in the sector, it has an active registration with SUSEP (Superintendence of Private Insurance). 

SUSEP is the Superintendence of Private Insurance responsible for overseeing insurance companies in Brazil. It dictates which companies can and cannot operate in the sector.  

At first glance, Youse auto insurance may seem strange, especially to older people, because it's an online platform that emerged with the goal of offering insurance coverage in an easy way.

This way, anyone can get quotes and sign up for plans with just a few clicks on their mobile phone screen or via a computer. 

At Youse, coverage is fully customizable, and consumers only pay for the services that truly meet their needs. 

All this with the support of a customer service team, available 24 hours a day.

The customer customizes their Youse Auto Insurance policy to their liking, paying only for what they choose. 

Simply access the insurer's website or log into the app in a few minutes, fill in the owner's name and car details, choose the desired coverages and assistance services, and check the monthly cost directly on the screen as you add or remove any service.

After configuring the insurance policy according to their needs, the customer only needs to make the payment with their credit card and schedule the inspection. 

After configuring the insurance policy according to their profile, the client receives a request for the necessary documents to validate the coverage. 

If the vehicle is brand new (0km), it will be necessary to present the sales invoice with the date it was purchased from the dealership. 

If the model is imported, it will also be necessary to present the fourth copy of the import declaration. 

And lastly, if it's a used vehicle, you will only need to present your personal documents and the vehicle's documents. 

The Youse auto insurance inspection is very important because it determines the overall condition of the vehicle and whether it can be insured. 

It is required whenever car insurance is purchased, whether for a brand new vehicle or a used vehicle. 

During the inspection, the vehicle's condition is checked for any damage, what equipment is installed, and whether the documentation is in order. 

During the inspection, no changes are made to your car and nothing is installed. After contracting the service through the website or app, it is possible to schedule the pre-inspection directly through the insurer's interface. 

It can be done at your home or at an accredited location, always by appointment, and is completely free. 

Before the insurance takes effect, the vehicle needs to be assessed. Therefore, the coverage only begins after the inspection is carried out or a security device is installed in the vehicle. This is determined by the system's interface. 

Once the inspection is complete and everything is in order, the protection is approved and the insurance becomes effective, allowing the... The car is fully protected.. 

Youse insurance payments are made via credit card. You can sign a 24-month contract with monthly payments without affecting your total credit limit and without any interest charges. 

If the customer prefers, it is also possible to pay for the protection in full or in 4 installments using a credit card. In this case, the contract is valid for 12 months. 

The insurance coverage period is exactly the duration of the contract. The customer can choose whether they want to purchase Youse auto insurance for a period of 1 or 2 years. 

Youse auto insurance can be purchased by anyone over 18 years of age. 

Another point that needs to be mentioned is that cars that are more than 15 years old or have a value exceeding R$150,000 are also not insured by Youse. 

Sinister is a word that many people don't understand in slang. insurance universe. 

The claim amount is the rate triggered so that the insurance company can cover the costs of any potential coverage for scratches, more serious accidents, or theft of the vehicle. 

Every time auto insurance coverage is purchased, Youse generates a claim number. 

In this generation of Sinister, everything is very simple and explained for easy understanding, without any complications. 

As mentioned, it is the policyholder who will choose the coverage they want for their car. Currently, Youse offers the following coverage to its customers:

In addition to the coverage, Youse auto insurance customers can use services and assistance without affecting their deductible. The assistance services that can be used are:

For those who want to keep their vehicle protected and still save money, Youse offers insurance per kilometer driven. With this option, the insured is charged each month according to the distance traveled by the car. 

Purchasing car insurance based on mileage is a good option for those who drive infrequently and are always looking to save money. The coverages and assistance services you've purchased remain available whenever you need them, anywhere, directly through the app. 

At this point you might be wondering: Okay, but how does this method work? Is it reliable?

The first step to using mileage-based insurance is to contract Youse as your insurance company, choosing your coverages and assistance services, and then selecting the mileage-based insurance option. 

Car insurance premiums per kilometer driven are divided into two parts: a fixed part and a variable part. 

The fixed portion includes the minimum values required for the insurance to remain active with the coverages and assistance services chosen by the client. This is the fixed amount charged per month. 

The variable portion is calculated based on the number of kilometers driven with the vehicle during the period. The following example illustrates the concept well. 

If your price per kilometer driven is R$ 0.10 and the customer drives 100 km in the month, the invoice for the period will be the fixed value + R$ 10 (which corresponds to the 100 km driven x R$ 0.10). 

Something important to mention is that the price per kilometer also depends on the insured person's profile. 

Invoice tracking is done automatically through the Youse app. Car insurance billing always closes on the same day each month. It's like a credit card bill or simply a payment slip. 

Car insurance based on mileage is recommended in the following situations:

As you can see, Youse auto insurance has come to break some paradigms and become a benchmark in vehicle protection. 

After its arrival in the insurance market, bringing practicality and even lower costs, many competitors are moving to counter this new type of protection.

And after showing you everything about the Youse auto insurance We've put together even more informative content outlining the advantages and (almost nonexistent) disadvantages of this type of insurance. 

To learn more, just click the button below!