Dash-cams to reduce the cost of car insurance


Dashboard mounted video cameras could become a more common sight on UK roads, as one vehicle insurer has begun offering a 10 per cent discount on premiums for drivers who use them.
Swiftcover.com claims that its customers will benefit from an average initial saving of £33 per year, with further money to be saved if the footage captured helps proves the driver was not responsible for a collision.

Long a fixture in cars abroad, particularly in Russia, the dash-cam is becoming increasingly popular amongst UK motorists looking to protect themselves from dangerous drivers and the menace of 'crash for cash' scams.

Footage from the devices has not only been used by drivers to prove they were not at fault in an accident. Police forces have brought numerous convictions against dangerous drivers using the video recordings as evidence.

Younger drivers are particularly likely to benefit from insurance discounts, with Swiftcover.com claiming that a 20-year-old student from Buckinghamshire could save around £94 with a camera installed. A 67-year-old retiree from Kent would save a more modest £18.

Drivers would have to purchase and install their own dashboard camera, which typically range from £20-£300. However, the potential saving of hundreds of pounds by avoiding an excess penalty and loss of no-claims bonus, makes it an appealing proposition.

Roman Bryl, product manager at Swiftcover.com, said: "We believe that by using a dash-cam and being able to accurately and quickly establish who was at fault, we will save money and therefore motorists will significantly benefit from lower premiums and more responsible driving."

Drivers looking to save further cash on their car insurance may also consider so-called 'black box' insurance schemes, which use telematics devices to monitor a motorist's driving behaviour, with discounts awarded for safe driving.
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