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Dashboard cameras and car insurance

Dashboard cameras and car insurance

It doesn’t matter how safely you drive, there’s always a risk of being involved in an incident with other road users. Not only can a dash cam provide video evidence, it could help improve your own driving.

Daniel Hutson
From the Motor team
minute read
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Posted 10 FEBRUARY 2020

What is a dash cam?

A dash cam is basically an in-car camera which makes an audio and video recording of your car journey.  
If you’re involved in a road incident, it can often be difficult to remember all the details of what happened. A dash cam can provide a video account of the incident and can even be used to determine who was at fault.  
It’s estimated that millions of UK motorists are now using dash cams to record their car journeys, while an increasing number of insurance providers are accepting dash cam footage as evidence in insurance claims.

What are the benefits of a dash cam?

Having a dash cam can provide several benefits. As well as providing evidence of any incidents you may be involved in, dash cam footage could also help:

  • identify who was at fault
  • protect your no claims discount if you weren’t at fault
  • settle claims and disputes more quickly
  • deter insurance fraud and ‘crash for cash’ claims, where criminals fabricate accidents to claim the insurance pay-out
  • a cabin view dash cam can record what’s happening inside your car – ideal for taxi drivers and car sharers
  • dash cams with a GPS tracker function can help emergency services find you, if you break down or have an accident

Also, a dash cam could help you improve your own driving. A cabin view dash cam can be used to check your driving habits, so you’ll be more aware of whether you’re driving carefully or not. Research from the RAC Foundation has shown that dash cams can reduce bad driving if young drivers know the footage can be shared with their parents.

Can dash cam footage be used as evidence in court?

Dash cam footage can provide valuable information about an incident. It can be used as evidence in court, as long as images and important details like number plates are clear.

You can fill out an official police report and submit footage to the relevant authorities via the National Dash Cam Safety Portal. Some individual police forces also have websites where you can upload footage.

Can I get a dash cam discount on my car insurance?

Insurance providers are beginning to see the benefits of dash cams, and an increasing number are offering dash cam discounts on their car insurance deals.

Just like black box telematics, dash cams could help improve road safety. This, in turn, could help to lower your insurance premiums. But you need to be careful that your dash cam, and the way you use it, meets the insurance provider’s terms and conditions.

Not all insurance providers offer dash cam insurance discounts though.

If you’re looking to save money on your car insurance by installing a dash cam, shop around to find an insurance provider that offers a discount you’re happy with. But please note, currently you cannot get a dash cam insurance discount through Compare the Market.

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