Short answer:
Your Damage Cover Liability (DCL) amount works like an insurance excess - it is the maximum you'll have to pay if you are responsible for damage (subject to a few common-sense insurance exclusions).
For Borrowers, the standard DCL is $2,000, but you can reduce it by paying a bit extra for your trip or upgrading to Heavyweight membership.
For Owners, the standard DCL is $500. If you have Additional Drivers, your DCL may be higher if they're driving.
DCL for Borrowers
The standard DCL is $2,000. You can reduce it to $500 by:
- joining as a Heavyweight member, for $19 a month; or
- paying an extra $1.50 an hour or $18 a day for each trip
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.
DCL for Owners
If your car is on our Key Handover or Instant Keys plan, it's only covered by our insurance when it's in a booking. If you're borrowing another member's car, your DCL will depend on your borrowing plan. You can check your borrowing plan by logging in to the website (not app) and going to Account page.
If your car is on our Instant Keys+ or legacy $60/month plan, your DCL is $500, whether you're driving your own car or another member's car.
DCL for Additional Drivers
When you list your car with Car Next Door's Instant Keys Plus+ sharing plan (or if you're on our legacy $60/month sharing plan), you can nominate up to 5 Additional Drivers who can drive your car. If your Additional Drivers are under 25, over 75, or have a restricted licence, you'll have a higher DCL when they are driving.
| Additional Driver’s Age and licence type | DCL Amount |
|---|---|
| Driver of any age with a learner’s or provisional licence | $3,000 |
| 16-20 (any licence type) | $3,000 |
| 21-24 or over 75 (with unrestricted licence) | $2,000 |
| 25 to 75 (with unrestricted licence) | $500 |
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