Dashcam footage of road traffic accidents is being accepted by more and more insurers in the UK, but they won’t necessarily lower the premiums you pay.
A dashcam is a small dashboard-mounted camera that records a driver’s view of the road. They have been a popular purchase in many other countries for a long time and are now being bought by more and more British road users.
Nextbase, a manufacturer of dashcams, was told by 29 different insurance companies that footage from a dashcam would be accepted as evidence in the case of a disputed claim.
Alongside the use of dashcams, insurers also stated that anyone involved in a road traffic accident should still attempt to gather as much evidence as possible. Other forms of evidence include eyewitness accounts from other cars on the road.
It has been well documented in recent months that insurance rates are falling.
Recently the AA stated that the lowest price on an annual comprehensive insurance plan was £200 lower in the early months of this year, than it was at its peak in 2011.
However rates are expected to start rising soon, with the average rate currently sitting at around £540 per year.
One of the most popular ways for a driver to lower the rate that they pay on insurance is by installing a “black box” in their car. Similarly to the black boxes found on airplanes, these devices record information about how the car is being driven and therefore allows insurers to see if a policy holder is driving safely or not.
Malcolm Tarling, from the Association of British Insurers, said that black boxes were much more likely to lower a users insurance premium than a dashcam.
He stated that insurance companies would have to add a clause into the policy to compel the policy holder to release dashcam footage in the case of an accident, even if they were the driver at fault.
In the background of all this, insurers are also warning pet owners that they must ensure that their pet is secured correctly when in a vehicle. If it is not the case that a pet is properly constrained, not only does it increase the likelihood of the animal suffering an injury, but it also means that the insurance company could refuse a payout if the animal played a role in the accident.
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