Car insurance discounts for dash cam owners
Discounted car insurance is now being offered by several big-name UK insurers.
Dash cam footage is now accepted and regularly used by both the police and UK courts – it was only a matter of time before insurers started paying attention, too.
Keep reading to find out the best car insurance dash cam deals.
Axa – 10% off for Nextbase dash cam users
Axa is one of the bigger names in the UK car insurance industry. Axa used to offer a no-questions-asked 10% discount for all customers using a Nextbase dash cam. These days there’s no fixed rate, so your saving could be based on other factors, including your driving experience and the model you’re driving. On the plus side, Axa no longer requires that your dash cam be made by Nextbase, so if you’ve got another model (or want to buy a more affordable dash cam), you’re in luck.
Axa recommends that the dash cam be 'permanently fitted' in your car. This means that it must record the road ahead on every journey you take.
A professional installation is 'preferred'. But if you've done it correctly yourself, that shouldn't cause problems.
Axa also states that mobile apps that convert your smartphone to a dash cam are not acceptable to receive its discount.
You must also be able to send Axa footage on request. You might be asked for sample footage whether you’ve been involved in an incident or not.
Swiftcover used to offer a fixed 12.5% discount, but that’s been switched out in favour of a more variable one, which takes into account your experience, vehicle and other factors. The conditions of the discount are the same as with Axa – which makes sense as it's a wholly owned subsidiary of Axa.
The dash cam needs to record every journey you take, and you must be able to provide footage where asked (although Swiftcover says it won't ask for any unless you've been in an accident).
A mobile phone is not an acceptable recording device to receive this discount.
Adrian Flux – up to 15% off with a dash cam
It's a lesser-known insurer, but Adrian Flux offers one of the most generous dash cam discounts for drivers – up to 15% off. It's available to both renewing and first-time customers and can be applied to a range of specialist policies.
Adrian Flux claims that dash cam footage can help to speed up the claims process and is especially important when there are no witnesses and the liability is being disputed.
This discount is also available from its online brand, Flux Direct.
Admiral, Diamond and Elephant
These three insurers belong to the Admiral Group, one of the UK's largest insurers. All three firms give you the opportunity to get a discount on your insurance policy with a dash cam, but at varying rates.
There's no standard discount amount. What you get offered will largely depend on other factors that typically impact insurance prices (such as age and location).
You can add your dash cam as a 'modification' on their respective websites. If you're an existing customer who owns a dash cam, get in touch and ask about adjusting your premium.
With these policies, your dash cam doesn't need to be permanently fitted and smartphone apps are also accepted.
How to make sure you capture reliable dash cam footage
A dash cam is only as useful and effective as you make it.
To maximise the chances of your insurer accepting your dash cam footage when submitting a claim or arguing your case, be sure to follow these steps:
- Fit it properly - in a central position on the windscreen, behind the rear-view mirror. Tuck the wire out of sight so it's not obstructing the driver's view.
- Angle it properly - make sure it's pointing in the right direction and fully captures all lanes of the road ahead.
- Check it's on and receiving power - it's too easy to accidentally unplug it and some models run on a limited internal battery. To avoid it conking out after 10 minutes, check your dash cam's plugged in and receiving power when you start up.
- Save important footage - most dash cams have loop recording, which automatically erases older, saved files to make space for new ones. If you don't save important footage to your PC or phone soon after an incident, it could get overwritten.
- Share footage with a USB stick or filesharing site - if you email an attachment, it risks losing fidelity and clarity. Upload your file to a site such as Dropbox, or send it to your insurer on a USB memory stick.
Discounts last checked Feb 2021.