Can a car dash cam help with insurance claims?

What is a dash cam?

A dash cam is a small camera that records what’s happening around your car. Most people pop one on their windscreen to capture the road ahead, but you can also get versions that record behind you or even inside the vehicle.

If you’re unlucky enough to have an incident or bump, that footage can be invaluable. No “he said, she said”, just clear evidence of what really happened. Handy, right?

Dash cams and car insurance

Insurers love clarity, and that’s exactly what dash cams can provide. Video evidence helps settle claims quickly and fairly, which can save everyone time, money and stress. Some insurance companies even offer dash cam discounts to drivers who install one, especially if you’re known for safe driving.

Even without a discount on your premium, a dash cam can still help you in other ways, from quicker claims to protecting your no-claims bonus if there’s ever a dispute.

Types of dash cams

Dash cams come in all shapes, sizes and prices. Here’s a quick guide to help you choose the right one for your car:

• Front-facing dash cams: This model is the simplest option; it records the road ahead, perfect for everyday use.
• Front and rear (dual) dash cams: Capture both sides of the story; these are great for protection against rear-end bumps.
• Interior dash cams: Ideal for taxis or rideshare drivers who want to record what’s happening inside the car. Just make sure you’re aware of Data Protection laws if you’re using a dashcam in a business vehicle.
• Smart dash cams: Techier models that connect to apps, track your location with GPS, or upload footage to the cloud automatically.

How much do dash cams cost?

You don’t have to spend a fortune. A basic dash cam costs around £40-£60¹, while feature-packed models with dual cameras and Wi-Fi can cost over £200².

Installation is simple for most plug-in types, but if you want a tidier look or automatic start-up, a professional hardwire job might be worth the extra cost.

The benefits of using a dash cam

✔ Faster claims: Footage means less back-and-forth and quicker decisions, especially if you’re not at fault.

✔ Better driving habits: Knowing your trips are recorded can make you more mindful behind the wheel (a quiet motivation to stick to the speed limit).

✔ Protection in accidents: If there’s ever a dispute or false claim, your dash cam footage could be the evidence that clears your name.

The downsides (because nothing’s perfect)

✘ Privacy and legal considerations when sharing footage: Dash cams are totally legal, but there are privacy rules. Footage showing people’s faces or number plates shouldn’t be shared publicly (e.g. on social media) without permission.

✘ Installation costs: Some models need a professional to fit them, which can bump up the total cost a little.

Frequently Asked Questions (FAQs)

Does a dashcam affect privacy laws?
Yes, depending on how they and the footage is used. While dash cams are allowed, you must use footage responsibly and respect other people’s privacy.

Will a dashcam record when my car is parked?
Many newer models include a parking mode that automatically turns on if your car is bumped or moved. It’s perfect for catching hit-and-runs in car parks.

 

Even without a discount, a dash cam can still save you money and stress in the long run.

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Sources:
1. https://www.amazon.co.uk/dash-cam/s?k=dash+cam
2. https://www.halfords.com/technology/dash-cams/?srule=price_decrease_rule