‘Protect yourself,’ reveals expert over £10 B&M gadget that slots into car in seconds & may save you £1,000s in a crash
AN expert has revealed a dirt cheap gadget that may save you thousands of pounds.
He warned drivers to protect themselves using the clever £10 device which slots into a car in just seconds.
Paul Daly, Director of InsureDaily.co.uk explained how a growing number of insurers recognise the value of dashcams.
This is because they not only help identify who's at fault in an accident but they also protect against potential insurance fraud.
He said: “Dashcams have a significant role to play in insurance claim disputes, as they provide unbiased and reliable footage, which can be the decisive factor in establishing the chain of events leading to an accident.
He added: “By eliminating the 'he said, she said' disputes that can often arise, insurers can save significant administrative costs, savings that can potentially be passed back to policyholders through the means of discounts.
read more on gadgets
Paul explained how in some cases insurers will offer to either reduce or waive the policy excess when a dashcam is fitted.
As well as protecting against insurance fraud, the presence of a dashcam can also deter "crash-for-cash" scams, a growing concern on UK roads.
These fraudsters intentionally cause accidents to claim insurance money, putting innocent drivers at risk.
Dashcam footage can capture these actions, safeguarding against false claims and potentially leading to lower insurance premiums for everyone.
While few UK insurers currently offer explicit dashcam-related discounts on premiums, it's important to remember that the device can indirectly lower premiums by protecting against false claims.
A dashcam might be the difference between a no-claims bonus and a hefty insurance payout, which could impact your premium for years to come.
The future of dashcams and car insurance in the UK looks promising. As more insurers begin to recognise the benefits of dashcams, it's likely we'll see a more explicit link between owning a dashcam and reducing car insurance premiums.
However, until such a practice becomes more widespread, drivers should consider the indirect benefits of owning a dashcam.
B&Q are selling a Full HD 1080P Driving Recorder for just £9.99 but it is only available online and not in stores.
Benefits of owning a dashcam
InsureDaily.co.uk have listed five benefits of owning a dashcams:
- Evidence for accidents - Dashcams record real-time, unbiased, and reliable evidence in case of a road accident. This footage can prove vital in establishing the sequence of events leading up to the incident, conclusively determining who was at fault.
- Protection against fraud - The presence of a dashcam can act as a deterrent against insurance scams. The footage can capture fraudulent activities, safeguarding drivers from false claims and potential increases in insurance premiums.
- Parking protection - Some dashcams have parking mode, which means they continue to record when your car is parked. This means it can provide video evidence for hit-and-runs or vandalism incidents that may occur while you're away from your vehicle.
- Encouragement of safer driving - Seeing their driving behaviour recorded can prompt drivers to behave more responsibly on the road. This could also contribute to a reduction in road accidents, making driving safer for everyone.
- Easy reporting to insurance companies - Dashcams provide concrete footage that can be used when reporting an incident to your insurance company. This could speed up the claim process, removing the need for lengthy investigations.