Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Youse review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Youse suits Brazilian households that want car, home and life cover bought in the app on monthly payments from BRL 10. It is an insurer rather than a broker, licensed by SUSEP in Brazil, and it costs more to enter than Linxea's €25.

Key facts

Best for
Brazilian households bundling car, home and life cover with monthly payments in one app.
Premium from
R$10↗
Insurance types
Auto, Home, Life↗
Provider type
Insurer↗
Monthly payments
Yes↗
Claims channels
App, Phone↗
Legal entity
Caixa Seguradora S.A.↗
Headquarters
Brazil↗
Support channels
Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
youse.com.br

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Premiums start at BRL 10 on a monthly model, with no long commitment.
  • Youse is an insurer, not a broker, so the policy sits with the company selling it.
  • One app covers auto, home and life policies.
  • Claims start from the app or by phone, through app and phone.
  • Support runs through chat, phone and help centre, so chat, phone and a help centre.

Cons

  • The entry premium of BRL 10 is above linxea's €25 and near the €7.95 median.
  • Cover stops at auto, home and life in auto, home and life, with no health, travel or pet lines.
  • Support runs on chat, phone and help centre only, with no email or community channel listed.
  • The licence 15414.900041/2016-89 is a Brazilian registration and the headquarters country is BR, so the offer is built for the Brazilian market.
Youse

Ready to try Youse?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Brazilian households wanting car, home and life cover in the app
  • Drivers and homeowners who prefer monthly premiums
  • People who want an insurer rather than a broker

Who should look elsewhere

  • Anyone outside Brazil, since the licence 15414.900041/2016-89 is Brazilian
  • Households wanting health, travel or pet cover, which auto, home and life omits
  • Bunq and bunq Spain, which are banking apps for everyday money rather than insurance

Price signals

Youse sells on a monthly model, and the entry premium is BRL 10. Monthly payments are available, so the cover runs in smaller instalments instead of one annual bill. That keeps the first outlay modest for a household weighing auto, home and life cover at the same time. Against the wider market, the figure sits above the €2.66 lower quartile and near the €7.95 median, and above linxea at €25. The cost side of Youse scores 8.7 within an overall 8.7, so the price signal reads strong even though it is not the cheapest entry in the market.

Who regulates it

Youse operates as an insurer, which its entity kind states plainly. In Brazil that puts it under the oversight of SUSEP, the insurance regulator named in its licence, recorded as 15414.900041/2016-89. Being an insurer rather than a broker also means the contract sits with the company named on the policy, not with an intermediary. Readers comparing across markets should check the regulator in their own country, since this licence covers Brazil only.

Deposit protection

Protection rests on Youse being the insurer itself, as its entity kind shows, and on the Brazilian licence 15414.900041/2016-89. Because the company carries the risk on its own policies, a claim is settled by the same firm the premium was paid to rather than passed to a third party. No separate protection scheme is set out for policyholders, so the licence and the insurer status are the parts to weigh.

The company behind it

The legal entity is Caixa Seguradora S.A., and the headquarters are in Brazil, as the headquarters country records. Customers deal with the insurer directly rather than through a broker, and the product sits under the SUSEP licence 15414.900041/2016-89. Support runs through chat, phone and a help centre, so a question about a policy or a claim can go to a person as well as a screen. Claims on home cover can be raised through the app or by phone.

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 is the cheapest Youse premium?+

Youse lists premiums from BRL 10 on its monthly model. That is a Brazilian figure, quoted before any adjustment for the car, home or life policy you pick. Against the insurance market here, it sits close to the €7.95 median.

Can I pay for Youse cover monthly?+

Yes, monthly payments are available and the product is sold on a monthly model. That spreads the cost of auto, home and life cover across the year rather than asking for one annual payment. It suits households managing a tight monthly budget.

Who regulates Youse?+

Youse is supervised in Brazil by SUSEP, the insurance regulator named in its licence, which is recorded as 15414.900041/2016-89. It is an insurer rather than a broker, so the contract sits with the company selling the policy. The licence applies in Brazil only.

Is my money protected with Youse?+

Because Youse is the insurer itself, a claim is handled by the firm that took the premium rather than by an intermediary. No separate protection scheme is set out for policyholders in the published details, so the licence is the reference point to check.

What kinds of insurance does Youse sell?+

Youse covers auto, home and life, which is the full list in its insurance types. There is no health, travel or pet cover in that list, so households needing those lines must look elsewhere. The three types sit in one app, keeping policies together.

How do I contact Youse for help?+

Support runs through chat, phone and a help centre. You can reach a person by phone or start a written conversation in chat. Home claims can be raised in the app or by phone through its claims channels.

Who runs Youse?+

The legal entity behind the brand is Caixa Seguradora S.A., and the headquarters are in Brazil. Customers deal with the insurer directly rather than through a broker. Premiums are quoted in Brazilian reais and the licence is Brazilian.

Is Youse cheaper than Linxea?+

On entry price, no. Youse starts at BRL 10 while linxea starts at €25. The two do different jobs: Youse is an insurer selling auto, home and life cover, while linxea is a savings product. A household buying insurance should compare cover, not the starting figure alone.

Sources

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

Youse

Youse

Brazilian households bundling car, home and life cover with monthly payments in one app.

9.3/10See alternatives