Legal
Dash Cams and Car Insurance: Can They Lower Premiums?
Drivers often ask whether a dash cam saves money on insurance. The honest answer is that it depends on your insurer, but the benefits go beyond premiums.
Premium discounts vary
Some insurers offer a discount for having a dash cam, and others do not. It is worth asking your provider directly rather than assuming either way.
The bigger benefit
Footage can settle disputes faster and establish fault clearly, which may protect your no-claims record and reduce the hassle of a contested claim.
Fraud protection
Dash cams are a strong defense against staged accidents and false claims, where clear video of what happened is often decisive.
When you actually need to use the footage
See Using Dash Cam Footage in an Insurance Claim for how to present it once you get to that stage.
Frequently asked questions
Will a dash cam definitely lower my insurance premium?
Not necessarily — it depends entirely on your insurer. Ask your provider directly, since some offer a discount and others do not.
Does having a dash cam affect who is found at fault?
Indirectly — clear footage can make it easier to establish fault quickly, which can protect your no-claims record even without a direct premium discount.