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TechRadar
TechRadar
Rob Clymo

Does having a dash cam really lower your insurance premium or is it just an urban myth? We asked leading insurers

Nextbase 522GW Dashcam.

Auto insurance is a necessity for us all, and it rarely comes down in price. In fact, insurance premiums are currently higher than ever and, ironically, are in part being pushed up by some who choose not to have any insurance at all. So, anything to help lower insurance has got to be a good idea, right? One way to shave a bit off the annual or monthly bill might be to invest in a dash cam.

I recently tried that when my cover came up for renewal. Sadly, I didn't have any direct quote reductions when asking my chosen top three insurer choices. However, the feedback confirmed what I already suspected having already experienced an accident that, thankfully, was recorded on a dash cam in the car: a dash cam might not lower premiums directly, but it'll be invaluable in the event of a claim.

So, it seems that purchasing a gadget to record the road ahead, even if it’s one of the best dash cam models on the market, isn’t a guarantee that it’ll get your auto insurance cover down.

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