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, the average saving for their customers in 2024 was £113 based on an average premium of £613. 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:
Protecting your no claims bonus: If you're in an accident that wasn't your fault, dash cam footage can prove your innocence and protect your no claims discount – which could be worth up to 75% off your premium.
Fighting fraud: "Crash for cash" scams currently add £50 to everyone's insurance premium, costing UK drivers a total of £392 million per year. A dash cam protects you from becoming a victim of these scams.
Faster claims: All 41 major UK insurers now accept dash cam footage as evidence, which can speed up the claims process and get you back on the road quicker.
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.
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.
Sources
Nextbase - Dash Cam Car Insurance (2024)
https://nextbase.co.uk/insurance/
Confused.com - Dash cams & car insurance discounts (May 2025)
https://www.confused.com/car-insurance/guides/dashcams-and-insurance-discounts
Compare UK Quotes - Dash Cam Car Insurance Discount (December 2024)
https://www.compareukquotes.com/insurance/motor/dash-cam-car-insurance-discount
Adrian Flux - Dash Cam Insurance (February 2025)
https://www.adrianflux.co.uk/dash-cam-insurance/
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