We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
insurance companies don’t ask if you have Immobiliser or Dashcams
Options
Comments
-
DullGreyGuy said:Car_54 said:DullGreyGuy said:Ayr_Rage said:Just done 3 online quotes and every one asked about an alarm and/or immobiliser and who fitted the items.
None aske about dashcams.Hoenir said:Dashcam installation isn't going to stop you having an accident or making a claim for damage to your vehicle or somebody elses property. .
As noted before however this is double edged sword as sometimes it proves your PH was at fault whereas it may have gone 50/50 without video evidence.
For the consumer the difference is that they can recover 50% of their uninsured losses from the third party insurer, eg half their excess or compensation for whiplash etc.0 -
35har1old said:Ayr_Rage said:Just done 3 online quotes and every one asked about an alarm and/or immobiliser and who fitted the items.
None asked about dashcams.0 -
Car_54 said:DullGreyGuy said:Car_54 said:DullGreyGuy said:Ayr_Rage said:Just done 3 online quotes and every one asked about an alarm and/or immobiliser and who fitted the items.
None aske about dashcams.Hoenir said:Dashcam installation isn't going to stop you having an accident or making a claim for damage to your vehicle or somebody elses property. .
As noted before however this is double edged sword as sometimes it proves your PH was at fault whereas it may have gone 50/50 without video evidence.
For the consumer the difference is that they can recover 50% of their uninsured losses from the third party insurer, eg half their excess or compensation for whiplash etc.0 -
35har1old said:Ayr_Rage said:Just done 3 online quotes and every one asked about an alarm and/or immobiliser and who fitted the items.
None asked about dashcams.0 -
facade said:Be careful what you wish for with dashcams. They are highly stealable, so the risk of your car being broken into increases, and if you said you have a dashcam the insurer will get all huffy & puffy should you not have footage of your accident available.Given how cheap most of them are now, and how they may be recording all the the time it's a bit risky looking to check, are they really that stealable?I understand that the high end ones will presumably fetch a good price in the pub, but it's a lot of hassle/risk for a £10 from ebay unit.
0 -
Having seen enough cars being rammed by Dashcam users for likes and views I can imagine insurance companies don't always see them as positive.0
-
Hoenir said:Dashcam installation isn't going to stop you having an accident or making a claim for damage to your vehicle or somebody elses property. .
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
0 -
Herzlos said:facade said:Be careful what you wish for with dashcams. They are highly stealable, so the risk of your car being broken into increases, and if you said you have a dashcam the insurer will get all huffy & puffy should you not have footage of your accident available.Given how cheap most of them are now, and how they may be recording all the the time it's a bit risky looking to check, are they really that stealable?I understand that the high end ones will presumably fetch a good price in the pub, but it's a lot of hassle/risk for a £10 from ebay unit.You won't believe how hard a thief (usually an addict of some sort tbh) will work for pennies. Anyone less desperate would just get a paper round for less work, no risk and more money!They also don't care if they cause £1000 worth of damage trying to steal a £10 item.I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science)
0 -
facade said:Herzlos said:facade said:Be careful what you wish for with dashcams. They are highly stealable, so the risk of your car being broken into increases, and if you said you have a dashcam the insurer will get all huffy & puffy should you not have footage of your accident available.Given how cheap most of them are now, and how they may be recording all the the time it's a bit risky looking to check, are they really that stealable?I understand that the high end ones will presumably fetch a good price in the pub, but it's a lot of hassle/risk for a £10 from ebay unit.You won't believe how hard a thief (usually an addict of some sort tbh) will work for pennies. Anyone less desperate would just get a paper round for less work, no risk and more money!Hoenir said:Dashcam installation isn't going to stop you having an accident or making a claim for damage to your vehicle or somebody elses property. .0
-
As mentioned, some insurers class a hardwired daschcam as a modification and could refuse to insure you in an accident. If its plugged into the cigarette lighter, it's not a modification.
I'm with rac, they don't mind if its hardwired as long as you tell them. Direct line didn't care at all. In both cases I had a web chat with the call centre and captured the evidence that they said this, just in case.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.7K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.4K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards