Your 'usual price' is purely for guidance; this is based on the average that members with a similar setup to yours have been paying, and what we expect claims to look like going forward. Your actual bill will vary from month to month.
Your cap (the maximum we will ever charge you in a month) is a fixed amount. It is based on the value of your bikes and gear and is there to protect you if a high number of damages or losses occur in the collective. It may change in the future.
We've never ever hit the cap! 😎