By now, most of you will be at least aware of dashcams, they are taking the UK by storm, and with good reason – they are safeguarding no claims bonuses on car insurance policies, as well as protecting drivers from prosecution when they have done nothing wrong.
The UK roads are some of the busiest in the world, and that means that we see no shortage of car accidents – fitting a dashcam can not only reduce your insurance premiums, but also act as concrete evidence of exactly what happened in the event of an accident, potentially saving your no-claims bonus, if there is any dispute as to who is at fault, your video footage could be the difference between being wrongly blamed, or not.
So, why should you fit a dashcam?
Insurance fraud is big “business” – with an estimated 30,000+ “crash for cash” scams every year, there’s never been a more important time to protect yourself against this type of scam. Crash for cash involves another drive intentionally engineering an accident which looks like it was caused by you – from slamming on their brakes to make you hit their rear end, to pulling out at the last minute causing you to swerve and hit another car, and then making off, there’s no arguing that this isn’t a real risk, not only in terms of financial loss, but even the loss of your life!
Great – the benefits are clear, how do dashcams work?
The best dashcam models will not only record crystal clear audio and video, they also record your position via GPS, and save video clips in the event of a collision or other “event”
The camera itself will record video onto a memory card which you can remove and connect up to your laptop or PC to review your videos, or, you can connect directly to the camera itself to download clips.
These clips can help your insurance company, or even local police to establish where blame lies in the event of an accident, hopefully absolving you of any blame.
What else do you need to know?
Dash cams can range in price anywhere from around £30 to £300 – with the very best dash cams being at the top end of that range.
Most dash cams will plug directly into your 12v socket in your car (conventionally known as the cigrarette lighter, but more commonly these days used for charging mobile devices) but others can be hard wired directly into your cars ignition system.
Whilst the name ‘dashcam’ suggests that the camera will be on your dashboard, the majority of them will actually be mounted on your windscreen, but “windowcam” doesn’t quite have the same ring to it, does it?
Some insurance providers will provide a discount for customers who have a dashcam installed in their car, this can often mean that the dashcam essentially pays for itself, so what are you waiting for? Get in on one of the fastest growing technologies in the motoring world today!