Our Third Party Property Only car insurance is the most basic level of cover we offer at Youi. This car insurance policy covers you in the event you cause damage to someone else’s car or other property, and also includes: After you’ve paid your excess, up to $5,000 cover against uninsured third parties if the third party was completely at fault for the incident and you provide the required details. 7 Legal liability up to $20 million. 8 Up to $1,500 per person for counselling services for you, listed drivers and household members after an insured event. 8