Car Insurance - Increase with DashCam!

faintaxis

Hi guys,

I've insured my car with Admiral, and to my surprise, after calling them to let them know I've installed a dash camera, my policy price has risen!

With most insurers offering dash-cam discounts, how the hell does this work? Has anyone had the same happen to them?

I'm 29 and my partner is insured on my policy (and is also 29) so we're not really high-risk!!

Quentin

All mods can affect the premium (usually upwards!)


Check the whole market for the best deal at renewal.

EdGasket

...and they wonder why people are reluctant to talk to their insurers! I expect they'd charge me if I told them I had a footpump in the boot.

It does seem totally stupid in your case and an abuse of their position (i.e. they charge because they can). Why not start a complaint and takle it all the way to the FOS if necessary? Seems like they are being opportunistic in the extreme especially as your dashcam footage could help them and you avoid taking the blame for an incident.

Quentin

EdGasket wrote: »

It does seem totally stupid in your case and an abuse of their position (i.e. they charge because they can). Why not start a complaint and takle it all the way to the FOS if necessary? Seems like they are being opportunistic in the extreme especially as your dashcam footage could help them and you avoid taking the blame for an incident.

They are charging extra because the OP has fitted a modification!


The OP is mistaken when he says "most insurers" offer a discount for having a dash cam!


Most (if not all) do require you to notify any modifications! And installing a camera does make your car more interesting to thieves

k3lvc

Quentin wrote: »

Most (if not all) do require you to notify any modifications! And installing a camera does make your car more interesting to thieves

And given some of the footage seen from youtube vigilantes more likely to give chase/display aggression/break rules to get a better shot of the bad driving


Agree they have their place but it's not all positive

forgotmyname

Yeah, quite a few of the dash cam clips on youtube are look at this muppet cutting in when you can clearly see them accelerate to close the gap.

6 of one and half a dozen of the other sometimes.

Always best to make changes at the start of the policy then you may have got a discount for the dashcam and no admin charge for making a change.

Aretnap

faintaxis wrote: »

With most insurers offering dash-cam discounts, how the hell does this work?

Most insurers don't offer dashcam discounts. A small number do, more as a marketing gimmick than because they actually think they make you a safer driver. The RAC for example will give you a discount of £30, but only if you buy one of their own dashcams - which cost a minimum of £60.

Aretnap

EdGasket wrote: »

...especially as your dashcam footage could help them and you avoid taking the blame for an incident.

It could just as easily hinder them by showing the OP as being clearly to blame for an accident which would otherwise have gone 50/50. Swings and roundabouts.

rs65

Aretnap wrote: »

It could just as easily hinder them by showing the OP as being clearly to blame for an accident which would otherwise have gone 50/50. Swings and roundabouts.

Not sure that hinders any one insurer. What it will do is settle claims quicker with less potential legal costs so no doubt the claims leeches won't like them.

I can see a lot more broken side windows and stolen cams though.

rs65

faintaxis wrote: »

With most insurers offering dash-cam discounts

Which ones ?

Quentin

rs65 wrote: »

Which ones ?

Not recommendations but these do:


Axa group


RAC (This isn't a discount as such, but a one off £30 off a new policy after buying an RAC dashcam)


Adrian Flux