I've moved all our insurance (cars, IPs and PPOR) to Youi after Suncorp jacked up our premiums so much I shopped around. I tried Coles and it was higher. I couldn't find cheaper.
My sister-in-law had two claims after storms and Youi was easy to deal with. I've found them very easy to deal with, and the calls take no longer than any other insurer.
We had damage to an IP in the recent storms, and so I've had dealings with them and happy so far. Looks like we will get a brand new roof, windows repaired. I'm guessing premiums may rise next year, but I'll see how things go.
So far, I cannot fault Youi.