Dash cams have transformed the way we approach road safety and resolve insurance disputes. Whether you're a safety-conscious driver, a car owner, or an insurance holder, investing in a dash cam is a smart, practical addition to your vehicle. Not only do they provide peace of mind, but they also protect you from liability, help with insurance claims, and even deter fraud.
At Trackershop, we specialise in providing the best dash cams on the market, including brands like BlackVue and Thinkware, with fast, professional mobile installation. This guide will explore how dash cams support insurance claims and why they’re becoming an essential tool for modern drivers.
What Is a Dash Cam?
A dash cam (short for dashboard camera) is a small device installed in your vehicle to record your journeys. Depending on the model, dash cams capture high-quality footage, often including time stamps, GPS data, and even audio. Standard configurations include front-facing cameras, while more advanced setups feature front and rear dash cams, offering a 360-degree view of your vehicle.
With features like night vision, wide-angle lenses, and parking modes, dash cams provide a clear and comprehensive record of activities on and around your vehicle.
How Do Dash Cams Help with Insurance Claims?
Dash cams provide undeniable evidence of what transpired before, during, and after a road incident, easing the claims process and protecting you against unjust liability. Here’s why they’re so beneficial when filing an insurance claim:
1. Proving Fault in Accidents
Determining fault in road accidents can be complex, especially if there are no witnesses. Dash cam footage can clearly display events as they unfolded, ensuring your version of the story is backed by solid evidence.
For example, if someone cuts in front of you or brakes suddenly causing a collision, your dash cam’s video evidence can prove your innocence, protecting you from financial and legal consequences.
2. Preventing Insurance Fraud
Dash cams are also effective in combating "crash-for-cash" scams, where someone deliberately causes an accident to make fraudulent insurance claims. The recorded footage acts as proof, exposing fraudulent activity immediately and saving you from unnecessary claims and premium hikes.
3. Quicker Claims Resolutions
Insurance companies often face delays when assessing incidents of liability. By providing clear dash cam evidence, insurers can process your claim more efficiently, leading to quicker outcomes and fewer disputes.
4. Protecting Your No-Claims Bonus
When your evidence proves you weren’t at fault in an accident, you’re more likely to retain your no-claims bonus. This can save you from penalty fees and preserve lower insurance premiums in the long run.
5. Capturing Hit-and-Runs
A front and rear dash cam can also record events when your car is stationary. If another driver collides with your parked vehicle and flees the scene, your dash cam’s footage can capture critical details like their number plate, ensuring you’re not left paying for repairs out of pocket.
Does Having a Dash Cam Lower Insurance Premiums?
Some insurance providers offer discounts of up to 30% for drivers with dash cams installed. This demonstrates the insurer’s belief that a driver with a dash cam tends to be more accountable and less risky.
However, while not all insurers currently offer this incentive, the increasing acceptance of dash cam footage as evidence means they’re still a valuable long-term investment. It’s worth discussing this with your insurance provider or shopping around for companies that reward dash cam users.
Front and Rear Dash Cam Benefits
A front and rear dash cam setup offers more comprehensive coverage compared to a single front-facing camera.
Here’s why upgrading to a dual-camera system is worth considering:
• Rear-End Collisions: You’ll have footage of accidents like tailgating incidents or rear-end collisions.
• Parking Protection: Features like parking mode can detect and record movement or impacts while you’re away from your car.
• Complete Coverage: With both front and rear views recorded, you have full visibility of surrounding activities.
At Trackershop, we carry trusted brands like Thinkware and BlackVue, which offer advanced front and rear dash cam models to suit your needs.
Why Professional Installation Matters
While some dash cams are designed for DIY setup, professional installation ensures proper placement, optimal functionality, and neat wiring that doesn’t obstruct your view or distract you while driving.
Trackershop offers mobile dash cam installation, meaning we can come directly to your home or workplace for a fast and seamless setup. Our experts ensure your dash cam operates exactly as intended, giving you confidence every time you’re on the road.
Top Features to Look for in a Dash Cam
When purchasing a dash cam, prioritise features that enhance functionality and usability. These include:
• Night Vision: Ensures clear footage in low-light conditions.
• Wide-Angle Lens: Captures a broader view of the road.
• GPS Integration: Provides location tracking and speed data.
• High-Resolution Video: Look for at least 1080p to ensure footage is clear and admissible as evidence.
• Parking Mode: Monitors movement around your vehicle when parked.
Brands like BlackVue and Thinkware are trusted by professionals for delivering these features and more, with configurations suitable for all budgets.
Common Dash Cams FAQs
Q. Is dash cam footage accepted by all insurers?
Most insurers accept dash cam footage as evidence to support claims. However, ensure your footage is clear and professionally submitted to help your case.
Q. Can I use my dash cam to provide evidence to police?
Yes, dash cam footage is often used to report dangerous driving or hit-and-runs. Tools like the National Dash Cam Safety Portal can make uploading your footage easy.
Q. Are dash cams expensive?
Dash cams can cost anywhere from £40 to £500, depending on their features. We recommend investing in trusted brands between £100–£200 for the best mix of quality and affordability.
Q. Does a dash cam need professional fitting?
While not mandatory, professional installation ensures correct placement, neat wiring, and advanced features like parking mode activation.
Enhance Your Safety and Security with Trackershop
A dash cam is more than just a gadget; it’s your trusted witness on the road, ready to protect you when it matters most. Whether you’re interested in a basic model or a fully loaded front and rear dash cam, our expert team at Trackershop is here to help.
Explore our range of high-quality dash cams and book our mobile dash cam installation service for a seamless experience.
Call our team on 03300552777
