Your insurance coverage when you borrow cars

Short answer:

When you borrow cars with Car Next Door, you’re covered by our comprehensive insurance policy. If you’re responsible for damage, the most you’ll need to pay is your Damage Cover Liability (DCL) amount.

If you’re responsible for any damage to a car you borrow, you’ll just need to pay your Damage Cover Liability (DCL). The DCL works like an insurance excess, capping the amount you’ll need to pay if you are responsible for damage.

As with all insurance policies, there are some exclusions to the cover. These include driving off-road or to the snow, towing, and driving more than 500km from the car’s homezone without permission.

Damage Cover Liability amounts

The standard DCL is $2,000. You can reduce it to $500 by:

  • joining as a Heavyweight member, for $19 a month
  • paying an extra $1.50 an hour or $18 a day for each boking

You'll have the chance to reduce your DCL when you book a trip, or you can switch to the Heavyweight plan at any time.

Protecting yourself against damage costs

Accidents can happen to even the most careful drivers, and you’re responsible for any damage that happens to the car while you have it, including things like the car being sideswiped while parked or damaged in a hail storm.

To reduce your risk it's a good idea to:

  • Reduce your DCL amount to $500 (see above)
  • Always take clear photos of every surface and the interior of the car before you drive AND when you end your trip, and upload them through the app or website. These photos protect you from being held responsible for damage that didn't happen during your trip


If damage is discovered after your trip and you can't provide us with photos showing it did not occur during your trip, you may be liable and responsible for the cost of repairs.

Releated articles

When you would be responsible for damage
Exclusions to the insurance cover

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