Dash cams are increasingly used in the UK and nearly 11 million motorists use them while driving. But does installing a dash cam reduce the cost of the auto insurance premium?
Dash camera is a small video camera mounted on a vehicle’s dashboard or windshield and used to record the road in front of you while someone is driving.
Find out if using a dash cam can help lower the cost of your auto insurance as well as tips on finding the best auto insurance deal.
Can a Dash Cam Reduce Your Car Insurance?
Dash cameras can be a reassuring presence for some drivers and can also provide valuable evidence in the event of an accident.
Exclusive Which one? research has identified that despite their growing popularity, dash cameras only give you a discount with four auto insurers – and only two traditional suppliers.
Axa and Swiftcover offer discounts of 10% and 12.5%, respectively, for drivers equipped with a dash cam. Lesser-known Sure Thing offers a 20% discount, while specialist and classic insurer Adrian Flux offers up to 15%.
However, Sure Thing and Swiftcover will only apply a discount if you use a Nextbase Dash Camera – any other model will not benefit from the price reduction.
Find out more: Auto insurance discounts for dash cam owners
Could an on-board camera increase my premiums?
There could be unforeseen consequences on your auto insurance premium for installing a dash cam.
The what ? Money Helpline recently responded to a call from a member who had plugged a dash cam in his car. His insurer classified it as a “modification” and that he would therefore increase his premiums.
If this is something you are considering, it is essential to check with your insurer what they consider a “permanent change” – and what impact it might have on your premiums – before moving forward.
Why don’t all insurers offer discounts for dash cam users?
While dashboard cameras can provide useful evidence in accidents, some insurers don’t believe they’re enough to reduce a driver’s risk on the road.
Dominic Stannard, Association of British Insurers, said: “Dash cameras are a useful tool when it comes to settling a claim, especially when there is a dispute as to the origin. of the fault.
However, using a dash cam does not necessarily make a driver less likely to be involved in an accident and therefore will have minimal impact on a consumer’s risk level.
“If a driver wishes to lower the price of his premium, telematics black boxes provide insurers with real-time data on the safety and quality of a driver’s activity and therefore may be more likely to reduce the cost of a good driver premium.
Other insurers offer discounts to drivers who use their driving apps that measure performance on the road, rather than just logging their trips.
Paul Heybourne of Aviva said that “the evidence does not show that having a dash cam improves road safety”.
“Instead, we are offering our Aviva Drive app which, in addition to providing a dash camera function, allows users to demonstrate that they are a safe driver and receive up to 28% off their insurance. “
Find out more: best and worst auto insurance
How to buy a dash cam
the best dash cameras produce high quality video footage, providing valuable evidence to your insurer or to the courts if you are ever involved in an accident.
The quality of dash cameras, however, varies widely, so it is essential to consider their features rather than selecting a model purely on the basis of price.
The most important aspect of a dash cam is the quality of the images it records, as you may not be able to use your footage in a crash if the image quality is poor.
All dash cameras support a resolution of at least 720p (1280 x 720 pixels), but some can record a higher resolution of 4K (3840 x 2160 pixels).
If you hope use your dash cam abroad, It is also essential to check if there are any restrictions on use in the country you are visiting.
Find out more: how to buy dash cam
Find the best auto insurance
Whether you are looking for your first policy or want renew your auto insurance, these tips can help you find the best deal at a competitive price.
Always look for an auto insurance policy. Price comparison sites are a convenient way to see what deals are on offer.
Once you’ve identified a few policies, carefully read the terms and conditions. If you don’t, you risk purchasing the wrong level of coverage, putting you at risk if you ever need to make a claim. If anything is unclear in the wording of the policy before purchasing, contact the insurer to clarify.
The time of year you buy a policy can also have a big impact on the price you pay.
Research shows that February is the cheapest month for auto insurance while December is the most expensive month for auto insurance.
To help you find the best insurer, we’ve combined Which? expert analysis of over 30 standard auto insurance provider policies with feedback from thousands of policyholders to produce auto insurance reviews.
You can also find other useful tips in our auto insurance advice guide.