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 listed with Car Next Door, 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 $60/month Instant Keys 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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