Ben Wells is a tech enthusiast specializing in cameras and GPS devices. He has a keen interest in reviewing dashcams, navigators, and other useful car...
It is possible that having a dash cam could potentially lower your car insurance premiums. Dash cams can provide evidence in the event of a car accident, which could help to resolve disputes and potentially lower the risk of fraudulent claims. We’ve discovered that some insurance companies offer discounts to policyholders who have dash cams installed in their vehicles.
It is important to note that the use of a dash cam does not always result in lower car insurance premiums, as it can vary depending on the policy and insurance provider. Typically, you can expect a reduction of between 5% and 15%. Although almost 95% of drivers in the UK are aware of dash cams, many insurers are hesitant to reduce premiums. To understand how a dashcam affects your premiums, you should directly negotiate with your insurance provider.
The Impact of Dash Cams on Insurance
- Having a dashcam is a positive impact on your insurance coverage.
- Many insurance companies recognize the value of dashcams as a tool for responsible driving, which can potentially lead to lower premiums.
- Both single and dual dash cams can provide evidence in the event of a car accident, which can help to resolve disputes and reduce the risk of fraudulent claims.
- Not all insurance companies offer a standard dash cam discount, but negotiating with your insurer is effective.
- Some insurers require the use of dashcams to provide coverage for certain types of incidents.
- You can provide the dash cam footage to the insurance company as part of the claim process.
- Insurers use dash cam footage as evidence, which could be taken into consideration by a jury in determining fault or liability.
- Certain limitations of dash cams, such as blurry and unclear film, low resolution, lack of night vision, absence of time and GPS stamp, and lack of a wide angle lens, can invalidate your claims.
Insurance Providers That Offer Premium Discounts
There is an few number of insurance companies that offer discounts to drivers who have a dash cam installed in their vehicle.
For example, Adrian Flux offers a discount of up to 15%, while AXA Insurance provides a reduction of 10%. Other insurance providers, such as Admiral Diamond and Elephant, from 5% to 30%.
It is always a good idea to check with your insurance company to see how their policy view dashcams and how they impact your insurance plan coverage.
Things to Know When Filing an Insurance Claim Using Dash Cam Footage
- Having a dash cam in your car can be beneficial as it can provide evidence in the event of an accident or incident that is covered by your insurance policy, allowing you to file a claim and potentially receive coverage.
- The process of filing an insurance claim using dash cam footage involves submitting the footage as evidence to support your claim, particularly if there is a dispute about the circumstances of the incident.
- It’s important to note that insurance claims are subject to investigation and verification by the insurance company, which will review the available evidence, including the dash cam footage from front and reversing camera, to determine the validity of the claim.
- If the insurance company determines that the claim is not valid or that the incident is not covered by the policy, the dash cam footage from front and reverse is useful evidence in court.
- It is important to ensure that the footage is of high quality and covers the relevant actions in order for it to be considered as evidence by the court and increase the chances of ruling in your favor.
Tips for Using Dash Cams and Insurance:
- Check with your insurance company to see how they view dash cams and whether or not they offer any discounts or benefits for having one installed in your vehicle.
- Make sure that the dashcam you choose meets the specific requirements and guidelines of your insurance company, such as GPS, front and rear camera, high quality, and night vision.
- Avoid cheap dash cams and always go for a reliable device that is promising with quality features and support energy help (SOS).
- Having a dual dash cam is now mandatory to properly maintain and care for your car and to ensure that it is functioning properly and recording high-quality footage from both the front and rear.
- To minimize the risk of accidents and prevent distractions while driving, it’s crucial to position your dash cam out of the driver’s line of sight, opting for a mirror dash cam is a good idea to organize your car dashboard and free it from cluttering.
- Keep the dash cam footage safe and secure, as it is used as evidence in the event of a claim.
- Always follow the laws and regulations regarding dash cams in your state or country.
Having a dash cam in your car can potentially help with your insurance coverage, but it is important to keep in mind that the outcome can vary depending on the policies and practices of your insurance company. If an incident occurs that is covered by your insurance policy, you will be able to file a claim and receive coverage, but the claim will be subject to investigation and verification by the insurance company. To ensure the best chances of being protected by your insurance coverage, it is recommended to consult with your insurance company and follow best practices when using a dash cam.