Answered 10000 questions on the Youi site only to end up with a significantly higher quote than my current insurer. Then I get a call this morning saying that if I answer more questions they might be able to bring it down further, but I have to fax three forms of ID prior. Explained that I can't be bothered doing that for a quote and they are $500 off the pace in any event ($1355 Youi - $855 Bingle) then were shocked that I didn't want to do it. Does anyone actually use them? Who can be bothered?