Youi

Youi is an Australian general insurance carrier headquartered at Sippy Downs on the Queensland Sunshine Coast, authorised by APRA and operating under AFSL 316511 (ABN 79 123 074 733). It is a wholly owned subsidiary of Youi Holdings Pty Ltd, part of OUTsurance International Holdings, with the South African-listed OUTsurance Group as ultimate holding company. Youi writes personal and small-business property and casualty lines direct to consumers - car, NSW CTP Green Slip, SA CTP, motorcycle, caravan and trailer, watercraft, home building and contents, and small business cover including public liability - and is a member of the Insurance Council of Australia and a signatory to the General Insurance Code of Practice. Its positioning is direct-to-consumer telephone and online underwriting rather than broker distribution. On API posture the honest finding is that Youi publishes no public API surface at all. Probing on 2026-07-25 found no developer portal (the developer., developers., docs. and api. subdomains do not resolve, and /developers, /api, /developer, /partners and /integrations all return HTTP 404), no downloadable OpenAPI or Swagger, no public Postman collection, no GraphQL, and no webhook or event catalog. The only integration-adjacent hosts are the customer self-service policy portal at portal.youi.com.au (HTTP 200, robots noindex, an Angular single-page app behind a login) and its private first-party backend portalapi.youi.com.au (HTTP 404 at root, serving no swagger or openapi document). No ACORD, AL3, ACORD XML, NGDS or IVANS reference was found anywhere on the public site. Australia's Consumer Data Right, which opened banking and energy, was designated for general insurance and then deferred, so no regulatory forcing function exists, and Youi's direct-to-consumer model gives it no broker or agency-management integration seam either. Recorded as partner-gated and customer-login-gated only, with no public self-serve API.

Youi is profiled on the APIs.io network. Tagged areas include Insurance, Australia, Property and Casualty, General Insurance, and Motor Insurance.

Youi’s developer surface includes support, engineering blog, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

24.9/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

InsuranceAustraliaProperty and CasualtyGeneral InsuranceMotor InsuranceHome InsuranceBusiness InsuranceCompulsory Third PartyCarrierDirect to ConsumerNo Public API

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 24.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 8.4 / 20

Operational Transparency 1.4 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 7/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/youi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

CustomerPortal

CustomerPortal

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

Packages

Packages

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

SecurityTxt

Compliance

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

Scroll for all 7

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 4

The organization behind the API

Website

About

Blog

Careers

Source (apis.yml)

aid: youi
url: https://raw.githubusercontent.com/api-evangelist/youi/refs/heads/main/apis.yml
name: Youi
kind: company
description: Youi is an Australian general insurance carrier headquartered at Sippy Downs on the Queensland Sunshine Coast,
  authorised by APRA and operating under AFSL 316511 (ABN 79 123 074 733). It is a wholly owned subsidiary of Youi Holdings
  Pty Ltd, part of OUTsurance International Holdings, with the South African-listed OUTsurance Group as ultimate holding company.
  Youi writes personal and small-business property and casualty lines direct to consumers - car, NSW CTP Green Slip, SA CTP,
  motorcycle, caravan and trailer, watercraft, home building and contents, and small business cover including public liability
  - and is a member of the Insurance Council of Australia and a signatory to the General Insurance Code of Practice. Its positioning
  is direct-to-consumer telephone and online underwriting rather than broker distribution. On API posture the honest finding
  is that Youi publishes no public API surface at all. Probing on 2026-07-25 found no developer portal (the developer., developers.,
  docs. and api. subdomains do not resolve, and /developers, /api, /developer, /partners and /integrations all return HTTP
  404), no downloadable OpenAPI or Swagger, no public Postman collection, no GraphQL, and no webhook or event catalog. The
  only integration-adjacent hosts are the customer self-service policy portal at portal.youi.com.au (HTTP 200, robots noindex,
  an Angular single-page app behind a login) and its private first-party backend portalapi.youi.com.au (HTTP 404 at root,
  serving no swagger or openapi document). No ACORD, AL3, ACORD XML, NGDS or IVANS reference was found anywhere on the public
  site. Australia's Consumer Data Right, which opened banking and energy, was designated for general insurance and then deferred,
  so no regulatory forcing function exists, and Youi's direct-to-consumer model gives it no broker or agency-management integration
  seam either. Recorded as partner-gated and customer-login-gated only, with no public self-serve API.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Property and Casualty
- General Insurance
- Motor Insurance
- Home Insurance
- Business Insurance
- Compulsory Third Party
- Carrier
- Direct to Consumer
- No Public API
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis: []
common:
- type: VulnerabilityDisclosure
  url: security/youi-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/youi-domain-security.yml
- type: Security
  name: Security vulnerability disclosure policy
  url: https://www.youi.com.au/about-us/security-vulnerability-disclosure-policy
- type: WellKnown
  name: Well-known probe index (all hosts)
  url: well-known/youi-well-known.yml
- type: SecurityTxt
  name: security.txt (harvested verbatim)
  url: well-known/youi-security.txt
- type: Conformance
  name: Standards and regulatory conformance posture
  url: conformance/youi-conformance.yml
- type: Compliance
  name: General Insurance Code of Practice signatory
  url: https://www.youi.com.au/documents/code-of-practice
- type: Packages
  name: Package registry probe results (no first-party libraries)
  url: packages/youi-packages.yml
- type: LLMsTxt
  name: llms.txt for Youi
  url: llms/youi-llms.txt
- type: Website
  url: https://www.youi.com.au/
- type: About
  url: https://www.youi.com.au/about-us
- type: CustomerPortal
  url: https://portal.youi.com.au/
- type: SecurityTxt
  url: https://www.youi.com.au/.well-known/security.txt
- type: VulnerabilityDisclosure
  url: https://www.youi.com.au/about-us/security-vulnerability-disclosure-policy
- type: Support
  url: https://www.youi.com.au/contact
- type: Blog
  url: https://www.youi.com.au/you-connect
- type: PrivacyPolicy
  url: https://www.youi.com.au/documents/privacy-policy
- type: TermsOfService
  url: https://www.youi.com.au/documents/terms-of-use
- type: Login
  name: Customer policy login (no developer sign-up exists)
  url: https://secure.youi.com.au/Authentication/PolicyLogin.aspx
- type: Careers
  url: https://www.youi.com.au/about-us/careers
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com