We estimate the likely cost (your share) based on a trailing average of the monthly % charged in the last 12 months. Your 'usual price' is purely for guidance and your actual share will vary every 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.
We've never ever hit the cap! 😎