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Dash cams have become increasingly popular with UK drivers – over 9 million motorists now have one fitted in their vehicle. But the big question is: will having a dash cam actually save you money on your car insurance?
Many drivers wonder whether installing a dash cam will reduce their car insurance premium. The answer isn't straightforward – some insurers offer discounts, while others don't. Here's what you need to know about dash cam discounts and how these devices can save you money.
Not all insurance companies offer discounts for dash cams, but some do. The discounts typically range between 10% and 15%, though some specialist insurers offer up to 30% off for drivers with specific dash cam brands.
According to data from Nextbase, a leading dash cam manufacturer, that's enough to cover the cost of a decent dash cam in just one year.
Some insurers in the UK market are known to offer dash cam discounts, though the availability and amount varies significantly. Each company has its own approach – some offer set percentages, while others assess discounts on a case-by-case basis depending on your individual circumstances.
However, not all major insurers currently offer dash cam discounts. Some state that because dash cams are portable and not permanently fitted to vehicles, they can't reduce premiums for them.
Insurers that do offer discounts believe that drivers with dash cams are more safety-conscious and therefore lower risk. The cameras also help settle claims faster, which saves insurers money. However, not all insurers have adopted this approach yet, so it's not a standard offering across the market.
Even if your insurer doesn't offer an upfront discount, a dash cam can still save you money in other ways:
Crash for cash fraud adds £50 to every driver's premium. A dash cam not only protects you from becoming a victim but provides irrefutable evidence if someone targets you.
Yes, you should always tell your insurer if you have a dash cam. While you don't legally have to declare it, some insurers may ask you to repay any discount if you claim you have one but can't provide footage when needed.
When getting a quote, mention your dash cam as a modification or accessory – you might be eligible for a discount you didn't know about.
Always declare your dash cam when getting insurance quotes. If you receive a discount for having one but can't provide footage after an incident, insurers may withdraw the discount or question your claim.
Different insurers treat dash cams very differently. Some offer generous discounts, while others don't offer any at all. Shopping around and comparing quotes can help you identify which companies are more favourable towards dash cam users – even a 10-15% discount can save you over £100 a year, making it worth your time to check your options.
Whether or not you get an upfront discount, a dash cam can be a smart investment for protecting yourself on the road and potentially saving money in the long run.
Find insurers that reward dash cam users and see how much you could save.
Compare Quotes NowDash cam discounts aren't universal, but they're becoming more common as insurers recognize the benefits these devices bring. Even without an upfront discount, the protection a dash cam offers – from preserving your no-claims bonus to defending against fraud – makes it a worthwhile investment for most drivers.
The key is to shop around when comparing insurance quotes and specifically ask about dash cam discounts. Some insurers are significantly more generous than others, and finding the right one could save you over £100 annually while giving you valuable peace of mind on the road.
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