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Full detail: Where this data comes from
Youi is an Australian general insurance carrier headquartered at Sippy Downs on the Queensland Sunshine Coast, authorised by APRA and operating under AFSL 316511 (ABN 79 123 074 733). It is a wholly owned subsidiary of Youi Holdings Pty Ltd, part of OUTsurance International Holdings, with the South African-listed OUTsurance Group as ultimate holding company. Youi writes personal and small-business property and casualty lines direct to consumers - car, NSW CTP Green Slip, SA CTP, motorcycle, caravan and trailer, watercraft, home building and contents, and small business cover including public liability - and is a member of the Insurance Council of Australia and a signatory to the General Insurance Code of Practice. Its positioning is direct-to-consumer telephone and online underwriting rather than broker distribution. On API posture the honest finding is that Youi publishes no public API surface at all. Probing on 2026-07-25 found no developer portal (the developer., developers., docs. and api. subdomains do not resolve, and /developers, /api, /developer, /partners and /integrations all return HTTP 404), no downloadable OpenAPI or Swagger, no public Postman collection, no GraphQL, and no webhook or event catalog. The only integration-adjacent hosts are the customer self-service policy portal at portal.youi.com.au (HTTP 200, robots noindex, an Angular single-page app behind a login) and its private first-party backend portalapi.youi.com.au (HTTP 404 at root, serving no swagger or openapi document). No ACORD, AL3, ACORD XML, NGDS or IVANS reference was found anywhere on the public site. Australia's Consumer Data Right, which opened banking and energy, was designated for general insurance and then deferred, so no regulatory forcing function exists, and Youi's direct-to-consumer model gives it no broker or agency-management integration seam either. Recorded as partner-gated and customer-login-gated only, with no public self-serve API.
Areas: Insurance · Australia · Property and Casualty · General Insurance · Auto Insurance · Home Insurance · Business Insurance · Compulsory Third Party · Carrier · Direct to Consumer
Everything profiled for Youi is published on APIs.io rather than in this repository. Start at the provider page — apis.io/providers/youi/ — or go straight to one of the APIs or properties below.
Each property below is a page on APIs.io carrying the machine-readable artifact and what it says.
Authentication, trust centre, and vulnerability disclosure.
Published plans, tiers and prices.
Published request limits.
Links to the company's own pages. This repository publishes no copy of their specifications — the canonical document is theirs and lives at the URLs below.
Kin Score 21.5 — emerging · rubric 0.24.0 · scored 2026-10-21
| Facet | Score |
|---|---|
| Discoverability | 66.1 |
| Contract quality | 0.0 |
| Contract governance | 18.2 |
| Operational transparency | 10.5 |
| Developer ergonomics | 7.1 |
| Access clarity | 42.1 |
Agent readiness 5.6 — agent-aware
| Agent-readiness dimension | Result |
|---|---|
| Spec Presence | — |
| Agentic Access | — |
| Reversibility Documented | — |
| MCP Server | documented (partial credit) |
| Auth Clarity | — |
| Idempotency | — |
| Error Semantics | — |
| OpenAPI Examples | — |
| Rate Limit Signal | documented (partial credit) |
| Event Surface Described | — |
| Agent Skills | — |
| Well Known Catalog | — |
| Consent Identity | — |
| Agent Card | — |
| Dry Run Mode | — |
| Delegated Identity | — |
| Protected Resource Metadata | — |
| Dynamic Client Registration | — |
| Agentic Commerce | — |
Regulatory alignment 26.3 — Insurance
The rubric is published at github.com/api-evangelist/kin-score. The per-check breakdown behind these numbers — which checks were earned, partial or missed — along with score history and how this provider compares to its peers, is available at apis.io/providers/youi/.
API Evangelist profiles a company's public API surface the way a developer would find it: the website, developer portal and documentation, the specifications it publishes, its public repositories, and its pricing, status and changelog pages. From that it derives the properties above — contracts split per API, workflows, schemas, collections, governance rules, plans and rate limits — and scores them against the published Kin Score rubric.
The artifacts are published on APIs.io, not in this repository. This repository is the public record for Youi: the place to say something is wrong, missing or out of date, and to ask for a re-score or a removal.
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