Dashcam footage accepted by insurers in disputed claims

By Kevin Peachey
Personal finance reporter

image copyrightNextbase
image captionDashcam sales have been rising in the UK

Most UK insurance companies will now accept dashboard camera footage in disputed claims - but few will offer a discount on premiums for using one.

These "dashcams" are small, forward-facing cameras that film a driver's view of the road.

When asked by provider Nextbase, 29 insurers said they would consider using dashcam evidence in the claims process.

This would be put alongside any accounts from independent witnesses if the parties involved disagreed.

Experts also stress that drivers with dashcams should still collect as much evidence as possible in a claim when there is disagreement between the parties involved, such as the details of other motorists who may have seen the collision.


Insurance premiums have been falling in recent months, according to various measures.

The AA said that the cheapest annual comprehensive car insurance on the market was £200 lower in the early months of 2015 than at its peak in 2011.

But the motoring group said it expected this average of the cheapest deals - £540 a year - to increase in the coming months.

Some drivers are able to secure a discount on their premium by installing a "black box" in their vehicle.

This records evidence, such as whether a driver is travelling within speed limits, and is aimed at encouraging safer use of the roads.

Malcolm Tarling, of the Association of British Insurers (ABI), said that it was far more likely for motorists to get a discount from their insurer when using a black box than when using a dashcam.

He added that insurers would generally have to write a clause into the terms and conditions of any discount to be able to demand dashcam footage be released by the owner, even if this implicated the driver as the cause of a collision.

image copyrightThinkstock
image captionTravelling with pets can have insurance implications

Meanwhile, a price comparison website is warning drivers to ensure that any pets travelling in vehicles are secure.

"The law is clear - you must secure your animal while in a car," said Matt Oliver, car insurance spokesman at Gocompare.com.

"Therefore if you don't do this and an animal roaming freely around the vehicle is said to have contributed to causing an accident, then an insurance company could be well within their rights not to pay out on a claim."

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