The camera doesn’t lie. If you had the option to save your bacon and provide dashcam footage as evidence in the event of an accident claim, of course, you would, who wouldn’t? Did you know some insurers even offer a discount of up to 20% to drivers who use on?
Discover whether it’s worth getting a dashcam here.
Why do we need dash cams?
Thanks to the number of careless drivers on the road that continue to put others at risk, dashcams are becoming increasingly popular and essentially act as a 24-hour silent witness. Recording everything that goes on around them. They can really help to protect you in the event of a claim, as well as save you money on your insurance premium.
Let’s say you have a dashcam fitted in your car to record footage of your journey. This is recognised by insurance companies that you are a careful and confident driver It shows that you want to feel safer on the road and that you would be willing to provide evidence in the event of an accident.
With this in mind, some insurance providers are quite happy to offer special discounts to these people and hats off to them! It’s great that insurance providers are taking this into account when calculating their premiums for individuals. Although, there are some instances, where this only applies if you have a high-end dashcam that can provide crisp clear footage and that captures everything that it possibly could.
Basically, the higher the resolution, the better-quality footage. You pay for what you get, so if don’t push the boat out, you’re going to get a low-resolution cam that some insurers might not accept. If you’re going to purchase a dashcam purely to help reduce your insurance premium, then it might be worth contacting your insurance provider beforehand.
The main thing to remember about dashcams is that they are guaranteed to protect you against any false insurance claims and if they can help to reduce your insurance premium, that’s a bonus!
Best dashcams for car insurance
If you’re installing a dashcam in your car in an attempt to help reduce your insurance premium, then you might want to make sure that they have some of these key features:
- HD quality: the camera quality on your dashcam should be like no other! It’s serving a great purpose so its no surprise that the footage it records needs to be of high-quality so it can be used as evidence if needs be. It will need to be that enhanced that you could see things like road signs and number plates.
- Amazing connectivity: time is of the essence as they say and by having a connected camera that can use mobile data to transmit footage within seconds, is great! Who doesn’t6 want quick and accurate reporting? This could help save you money and reduce that insurance premium
- Be professionally mounted: believe it or not some insurers actually recommend that you get your dashcam fitted by an expert. I mean, how hard can it be to fit a camera? Either way, making sure its mounted right and in the best position to get the best viewing angle, that’s what matters at the end of the day. Its definitely a good idea to check with your insurer to see if they have any specific requirements.
While some insurance providers can be great with providing you with a discounted premium thanks to having a dashcam, some don’t believe that they are enough to reduce the number of risky drivers that there is on the road. What can you do in this instance?
If you’re really keen to try and reduce the amount of your insurance premium the best you can, then it might be a good idea to invest in a telematics black box. The aim of the game with these boxes is that they can provide insurers with real-time data on the safety and quality of a driver’s activity. Telematics data can do a lot for insurance providers, as well as for you in helping you to keep those costs down. The cheaper the better at the end of the day. You might not like the idea of a black box and data being pulled from your car about your driving, but for the sake of a cheaper insurance premium, we know which one, we’d prefer.
Finding the best car insurance
Whether it’s your first policy or your fifth policy, finding the best deal at a competitive price is not always easy. So, with these top tips, it should make it that little bit easier for you, fingers crossed!
It’s a good idea to shop around for an insurance policy. Shop until you drop. There are plenty of price comparison sites out there that are great for allowing you to see what deals are on offer. Once you’ve found one and you’ve read the T&Cs, who knows maybe it says something about having a dashcam in there. If it does, great! If not, it’s not the end of the world.
The time of the year can also have an impact on the price you pay for your policy, who’d of thought it ay? February time can be cheap, whereas December can be pricey, not what you need around Christmas time!
If you manage to find an insurance provider that can offer you a discount for having a dashcam, you’re on to a winner and could find yourself saving more than you’d imagined.