YouSet review
Updated September 30, 2026 · AssureCue Editorial Team · Facts checked September 30, 2026
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Our verdict
YouSet suits renters, homeowners, drivers and riders in Canada seeking side by side broker quotes with monthly payments available alongside premiums that start at CAD 5. Claims run by phone through phone while support spans email, chat and phone for policy help and service enquiries across cover types.
Key facts
- Best for
- Canadian households bundling auto, home, renters and motorcycle quotes
- Premium from
- CA$5 (Source, checked September 30, 2026)
- Insurance types
- Auto, Home, Renters, Motorcycle (Source, checked September 30, 2026)
- Provider type
- Broker (Source, checked September 30, 2026)
- Monthly payments
- Yes (Source, checked September 30, 2026)
- Claims channels
- Phone (Source, checked September 30, 2026)
- Legal entity
- YouSet Insurance (Source, checked September 30, 2026)
- Headquarters
- Canada (Source, checked September 30, 2026)
- Founded
- 2017 (Source, checked September 30, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 30, 2026)
- Official website
- youset.ca
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Premiums that start at CAD 5 give a clear entry signal for budget comparison.
- Cover spans auto, home and renters, useful versus LV= which covers auto, home and pet.
- Monthly payments are available, helping spread costs across the term.
- Support spans email, chat and phone, broader than claims on phone alone.
Cons
- Claims run on phone only, so written or chat claims routes are absent for phone users.
- Broker cover means policies sit with partner insurers rather than YouSet as broker, unlike insurer alternatives such as LV=.
- Entry premiums that start at CAD 5 will vary by profile, and die Bayerische lists €2.09 for strict price comparison.
Who it suits
- Canadian drivers and riders bundling motor risks who might otherwise consider LV= which covers auto, home and pet.
- Renters and homeowners comparing property quotes together, unlike die Bayerische at €2.09.
- Budget planners using monthly payments available while watching entry at CAD 5.
Who should look elsewhere
- Drivers needing broader life and travel cover may prefer Allianz Malaysia because it covers auto, motorcycle and home.
- Pet owners may prefer LV= because it covers auto, home and pet including pet cover.
- Shoppers chasing the lowest headline entry signal may compare die Bayerische at €2.09 against CAD 5.
How your money is protected
YouSet operates as broker, which shapes how your money moves when you buy cover. You pay for advice, arrangement and ongoing service through the broker, while the risk cover itself sits with the insurer named on your schedule. That separation matters because claims decisions, settlement funds and renewal terms come from the insurer, with the broker acting as intermediary, advocate and point of contact. Always read the schedule carefully, confirm the insurer name on each document, keep payment confirmations, and ask for written summaries of cover limits, exclusions and renewal arrangements before committing.
Who regulates the provider
YouSet acts as broker, so provider oversight applies to broking activity such as advice, disclosure, handling of client money and complaints handling. The insurer behind each policy carries separate responsibility for underwriting, claims payment and solvency. For your own protection, confirm which firm is responsible for each part of the chain, keep copies of advice, quotes and schedules, note complaint routes, and check that documents show consistent names, dates and contact details across quotes, renewals and endorsements.
Price signals
Premiums start at CAD 5, which provides an early signal of entry pricing before personal rating factors apply. Actual quotes move with vehicle or property details, location, claims record, excess choices and add ons, so the starting signal should be treated as a guide rather than a promise. Monthly payments are available, which allows costs to be spread across the policy term for easier household budgeting. Ask whether instalment charges, deposits or administration fees apply, confirm the total annual cost alongside any monthly figure, and compare like for like excess levels when judging value.
The company behind it
The legal operator is YouSet Insurance, based in Canada, with origins dating to 2017. That background provides context on market focus, service model and operating history for shoppers who value continuity and local presence. Day to day help spans email, chat and phone, covering email, chat, phone and help centre resources for quotes, changes, billing and renewals. Use the help centre for common questions, keep written records of advice received by email or chat, and use phone contact for urgent matters or complex changes that benefit from direct discussion.
How YouSet compares
YouSet vs Income Insurance8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.0
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 8.9
8.9 vs 8.9
8.9 vs 8.9
8.9 vs 9.3
8.9 vs 8.6- 8.9 vs 9.3
8.9 vs 9.3Max Life Insurance
8.9 vs 9.3
YouSet vs TIPINSURE8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
YouSet vs Lemonade8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6- 8.9 vs 8.4
- 8.9 vs 8.2
Fit 2 Trip
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Where YouSet is available
- Available
- Canada
- Licence in Canada
- AMF, checked September 30, 2026
- Licence in Canada
- RIBO, checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What does YouSet cover cost at entry level?+
Premiums start at CAD 5 according to the advertised entry signal, although the amount you pay depends on vehicle, property, location and claims history. Monthly payments are available, which helps spread the annual cost rather than paying the full term in advance.
Is YouSet an insurer or a broker?+
YouSet arranges cover as broker, which means it compares options and arranges policies that are then held with partner insurers. Your money for the actual risk cover goes to the insurer shown on your policy documents, while YouSet handles shopping and service support.
Which types of cover can you arrange through YouSet?+
Cover spans auto, home and renters, which suits households wanting auto, home, renters and motorcycle quotes through a common contact point. If you also need travel, life, health or pet cover, Allianz Malaysia covers auto, motorcycle and home and LV= covers auto, home and pet.
How do you contact YouSet for help?+
Support spans email, chat and phone, giving choice across email, chat, phone and help centre guidance for quotes, billing and policy changes. Phone remains central because claims run on phone, so urgent claim matters have a direct voice route.
How do claims work with YouSet?+
Claims run on phone, so you report a loss by phone and receive guidance on documents, timelines and next actions. Keep policy numbers, photos and receipts ready before calling, and ask for written confirmation of what was agreed during the call.
Can you pay monthly for YouSet policies?+
Monthly payments are available, which allows you to spread premiums across the policy term rather than paying in full upfront. The legal operator is YouSet Insurance based in Canada, and support spans email, chat and phone for billing queries and payment changes.
Which company stands behind YouSet?+
The legal operator is YouSet Insurance, based in Canada, and the service was founded in 2017. It operates as broker, so always check the insurer named on your quote, policy schedule and renewal notice before paying.
Sources
- youset.ca checked September 30, 2026
Backs: Insurance types, Premium from
“Home Starting at $12 a month - Car Starting at $16 a month - Motorcycle Starting at $5 a month”
- youset.ca/en/about checked September 30, 2026
Backs: Provider type, Founded, Legal entity, Licences
“YouSet is a licensed insurance brokerage”
- youset.ca/en/claims checked September 30, 2026
Backs: Claims channels
“Contact your insurer - find their number below”
- youset.ca/en/contact-us checked September 30, 2026
Backs: Headquarters, Support channels
“300-4 Place Ville-Marie, Montreal, QC”
- youset.ca/en/motorcycle-insurance checked September 30, 2026
Backs: Monthly payments
“Pay annually instead of monthly”
Compiled from 5 source pages, checked September 30, 2026. We did not open an account.