Scotiabank Gold American Express® CardScotiabank Gold American Express® CardEarn up to 50,000 bonus Scene+ points + no annual fee in your first year

YouSet: a simple and effective insurance platform

YouSet: a simple and effective insurance platform
Share

Protecting and insuring your property is a necessity. To drive your car, you need at least third-party insurance. Then, to get a mortgage, you need home insurance. Comparing insurance products on insurers’ websites or online insurance comparators is usually time-consuming and tedious. It’s precisely this step that YouSet has come to simplify. Indeed, YouSet is a home and car insurance platform that lets you compare insurance products from different insurance companies and buy them directly on its website.

What is YouSet?

YouSet Insurance (YouSet) is a damage insurance brokerage firm registered with the AMF (Autorité des marchés financiers) in Quebec and RIBO (Registered Insurance Brokers of Ontario) in Ontario. They have offices in Montreal and Toronto.

YouSet: a simple and effective insurance platform - 01-YouSet

Their automated digital platform, launched in 2019, lets you compare insurance products from different companies and buy them all in one place. You don’t even have to speak with the insurer. That way, you can find the insurance policy you need faster and more easily, without having to go to various insurer websites or online insurance comparators. As you enter your precise insurance needs, the YouSet platform helps you find the most affordable policy for you.

What services does YouSet offer?

As mentioned above, YouSet offers home and car insurance services. Using their technologies and algorithms, the platform helps you find the best insurance coverage for your needs.

The platform currently include the following insurance products:

  • Car insurance
  • Home insurance: Homeowners, Condo and Tenant insurance

There are many advantages to using YouSet:

  • Insurance quote comparison – YouSet’s technology allows you to compare a variety of home and car insurance policies and identify the best options for your situation.
  • Affordable insurance and exclusive discounts – The YouSet platform can get you more affordable insurance policies than insurance companies, because their smart technology can find exclusive rates and personalized discounts. What’s more, by combining home and car insurance, you can save up to an additional 15% (Just launched).
  • Quick process – You can complete the online process in 4 minutes (the process is explained in the next section).
  • Free support – YouSet can provide you with free customer support and a free 30-minute consultation with a lawyer to help you through the claims process.

Reviews on YouSet are unanimous

After several web searches, YouSet clients reviews are unanimous. Over 150,000 users have placed their trust in YouSet, and 1,000 of them have given it a rating of 4.8/5 (Google Review).

How does the YouSet insurance platform work?

The YouSet insurance platform works simply and efficiently! You can compare home and car insurance policies from Canada’s leading insurance companies in less than 4 minutes.

The steps :

  • Step 1: Fill out an application – Answer the questions about your needs and the type of insurance you’d like.
  • Step 2: Get quotes – Based on your needs, YouSet compiles a list of offers from their partner insurers and presents you with the best deal.
  • Step 3: Personalize your coverage – Choose your car or home insurance contract and customize your coverage, if necessary (guarantee, duration, etc.).
YouSet: a simple and effective insurance platform - 02-YouSet

Once you have finalized the purchase of your insurance policy, you will receive a confirmation e-mail from YouSet and you will be officially insured.

How do I make a claim with YouSet?

Just like the insurance application process, the YouSet claims process is very simple:

  • Step 1: Gather information – Prepare the required documents, such as your insurance policy number, a brief description of the incident, the date and time of when it happened and any relevant documentation.
  • Step 2: Contact the insurance company – Contact your insurance company directly (the name of the insurance company can be found on your policy). Contact details for partner insurers can be found on the YouSet Insurance Claim page.
  • Step 3: Get help (if needed) – If you need help, don’t hesitate to contact our Customer Support team. What’s more, as a YouSet customer, you can get a free 30-minute consultation with a lawyer to help you during the claiming process.

YouSet Customer Support

Customer support can be reached by e-mail: contact@youset.ca. The Customer Support team generally responds within 48 hours during business hours: Monday to Friday, 9 am to 6 pm (ET). What’s more, YouSet clients have access to priority support 24/7 (via the Client Portal).

YouSet: a simple and effective insurance platform - 03-YouSet

For more information, visit their website: Youset.ca

Bottom Line

In short, the YouSet insurance platform offers a fully digital experience for comparing and taking out car and home insurance policies. The process is simple and can be completed quickly (under 4 minutes). To find out more about the products and services offered by YouSet, visit their website.

Insurance guide – Find out more about insurance in our guides:

Frequently Asked Questions

If I have a question, can I reach YouSet by phone?

If you have any questions about your insurance policy, you can reach YouSet by e-mail, chat or SMS. You can also contact customer support at contact@youset.ca.

How do I access my account on the YouSet.ca platform?

From the YouSet.ca website, click on the “My Account” button to access the Client Portal. From here, YouSet clients have access to priority support 24/7.

Is YouSet an insurer?

No, YouSet is not an insurer. Rather, it is a damage insurance brokerage firm in Quebec and Ontario. The home and car insurance policies you obtain on YouSet are created and issued by their partner insurers.

Our featured card

Featured
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.