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Dash cams and car insurance discounts
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Why are people using dash cams?
While dash cams have been popular in eastern Europe and Asia for some time, drivers in the UK are becoming more aware of the technology as the footage floods video sharing sites such as YouTube.
over 94% of drivers in the UK are aware of dash cams
just 15% of motorists currently have one
insurers take dash cam footage into account when settling claims
How do dash cams work?
Dash cams are small cameras attached to the dashboard or windscreen of a car and they record each journey.
they cost between £50 and £250
the camera faces outward, capturing the driver’s view of the road
some dash cams can also record the view from the rear of the car
most dash cams automatically overwrite older footage
this means every journey can be recorded without worrying out running out of memory
What are dash cams used for?
Dashcams can provide valuable evidence of what happened in an accident and can help settle claims more quickly and reduce fraud.
they can also be used to prove drivers’ safety and skills behind the wheel
cyclists often fit a camera to their helmets just in case they are involved in an incident on the road
What are the benefits of dash cams?
Research from Axa found over a quarter of innocent drivers (27%) were unable to prove that they were not to blame for an accident.
Having a dash cam means you have evidence if an accident is not your fault
as a dash cam records and stores footage of the driver’s view, it’s easy to revisit the events and conditions leading up to a road accident
many insurers now accept dash cam footage as evidence when processing claims
this makes it easier to determine the cause of the accident and which party was at fault,
having dash cam footage can also speed up the claims process.
Which insurers offer discount for a dash cam?
The number of insurers that offer a discount for drivers who install a dash cam is growing.
Adrian Flux offers up to 15% discounts while AXA Insurance offers 10%. Admiral Diamond and Elephant also offer a discount to drivers with a dash cam, although it can vary.
Before deciding to take out a policy it’s always best to shop around for car insurance.
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