Youse review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Youse is a Brazilian insurer selling monthly auto, home and life cover through a single app, and it suits households and drivers who want cover billed in instalments rather than a yearly lump. Premiums start at BRL 10, which sits below the site median of €8.37.

Key facts

Best for
Monthly auto, home and life cover in Brazil, billed in instalments through one app.
Premium from
R$10 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Life (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
App, Phone (Source, checked September 26, 2026)
Legal entity
Caixa Seguradora S.A. (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
youse.com.br

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Premiums from BRL 10 sit below the site median of €8.37.
  • The payment model in monthly is monthly, and monthly payments are available on the policies listed.
  • Auto, home and life cover in auto, home and life is arranged through a single app.
  • Support reaches chat, phone and help centre, and claims can be started in the app or by phone (app and phone).

Cons

  • Cover is limited to auto, home and life, so health, travel and pet lines sit outside what the brand lists.
  • Monthly is the only payment model in monthly, so annual billing is not offered.
  • Support runs on chat, phone and help centre only, with no branch counter or email channel listed.
Youse

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Scored 9.3 / 10 by AssureCue.

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Who it suits

  • Drivers and households in Brazil who want auto, home and life in auto, home and life handled in one place.
  • People who prefer paying in instalments, since monthly payments are available on the monthly model in monthly.
  • Claim filers who work from a handset, since claims run on app and phone.

Who should look elsewhere

  • Readers who need health, travel or pet cover: Good Sam Insurance Agency covers auto, home and renters.
  • Buyers chasing the lowest entry premium: bunq lists €0.
  • Readers weighing other price points: EuroAsia Insurance starts at UZS 60,000.

Safety and regulation

Youse is an insurer rather than a broker, so cover is underwritten by the company that issues it rather than passed on by a middleman. The regulator in Brazil is SUSEP, and the licence number is 15414.900041/2016-89. A claim is therefore handled by a licensed Brazilian insurer, not an intermediary.

How Youse compares

Where Youse is available

Available
Brazil
Licence in Brazil
SUSEP (15414.900041/2016-89), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does youse charge to get started?+

Youse quotes premiums from BRL 10 on a monthly model. That sits under the site median of €8.37 and near the lower quartile of €2.92, so entry cost stays modest for the cover offered. Monthly payments are available on the policies listed.

Is youse a licensed insurer?+

Youse is an insurer rather than a broker, so the cover is underwritten by the company that issues the policy. The regulator in Brazil is SUSEP, and the licence number is 15414.900041/2016-89. Claims are handled by the licensed insurer itself rather than by an intermediary.

Which types of cover can I buy?+

Youse lists auto, home and life. Health, travel and pet cover sit outside that auto, home and life set, so the catalogue suits personal lines rather than a mixed one. Readers who need those other lines are better served by a brand that lists them.

Do I pay monthly or in a single payment?+

The payment model is monthly: monthly lists monthly billing, and monthly payments are available. That suits people who would rather spread a policy over instalments. Annual or single-payment billing does not appear in the listed payment model monthly.

How do I make a claim?+

Claims can be started in the app or by phone, which are the listed app and phone. A claim can therefore be raised from a handset without a branch visit. The licensed insurer behind the brand takes the claim from that first contact onwards.

How do I get help when something goes wrong?+

Support runs on chat, phone and help centre, so help is available by chat, by phone and through a help centre. Phone is the channel the brand leans on for anything urgent. There is no branch counter in chat, phone and help centre.

Who is the legal entity behind youse?+

The brand is backed by Caixa Seguradora S.A., an insurer registered in Brazil. The licence and the legal entity are the details to check in the Brazilian register before you commit to a policy, since the consumer-facing name and the registered company are not the same thing.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Youse

Youse

Monthly auto, home and life cover in Brazil, billed in instalments through one app.

9.3/10See alternatives

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