Thinking about installing a dash cam to reduce your car insurance? If you’re a driver in Swansea, it’s a smart move worth considering. Dash cams are becoming increasingly popular across South Wales, not just for safety but also for their potential to lower insurance premiums.
But does having a dash cam actually lower your insurance? The short answer is: it can, but it depends on your insurer, the camera model, and how it’s installed.
In this guide, we’ll break down how dash cams influence insurance rates, what features matter most, what local drivers need to watch out for, and how to get professionally installed systems through trusted local experts like Lehane Autos LTD.
Can a Dash Cam Lower My Car Insurance in Swansea?
The Short Answer
Yes, many UK insurers offer dash cam insurance discounts ranging from 10-15%, but it’s not guaranteed. Some providers, like Admiral or Direct Line, assess it on a case-by-case basis.
Why Insurers Offer Discounts
- Video Evidence: Dash cams provide undeniable proof in accident claims.
- Fraud Reduction: Helps combat crash-for-cash scams.
- Driving Behaviour: Some insurers link dash cam data to driver score monitoring.
- Claim Speed: Accelerates claim resolution, saving insurers time and cost.
How Dash Cams Help with Insurance Claims
Dash cam footage serves as an impartial witness, especially helpful in:
Proving Fault in an Accident
- Hit-and-run incidents
- Disputed fault scenarios
- Claims with no external witnesses
Protecting Your No Claims Bonus (NCB)
Your No Claims Bonus can be preserved if dash cam footage clearly shows the other driver was at fault, preventing unjust premium hikes.
Reducing Fraudulent Claims
Fraudulent or exaggerated claims cost UK insurers millions each year. Dash cams help verify facts and reduce payout errors.
What Drivers Need to Know Before Installing a Dash Cam
Always Check With Your Insurer First
Each insurer has its own rules. Before buying a dash cam, contact your provider and ask:
- Do you offer discounts for dash cams?
- Are specific brands or models required?
- Is professional installation required?
Pro tip: Insurers like Admiral (common in South Wales) may require the camera to have features like GPS and G-force detection.
You Must Declare the Installation
Failure to inform your insurer about your dash cam can void your policy. Always disclose any fitted recording devices, especially hardwired ones.
Installation Requirements
Some insurers insist on professional installation rather than DIY plug-in models. Lehane Autos offers discreet hardwired dash cam installation in Swansea, ensuring compliance.
Use Dash Cam Footage Wisely
Having footage is only part of the equation. Ensure that clips are saved correctly, stored securely, and are accessible if needed in future. Many incidents happen when a vehicle is unattended, so having a dash cam with parking mode and motion detection helps capture events like vandalism or car park collisions, which can still lead to disputes or insurance claims.
Also, consider that your driving behaviour is visible on camera. If you’re at fault, the footage can work against you. Always drive responsibly.
What Features Make a Dash Cam Insurance-Friendly?
- G-force sensors - Auto-saves footage on impact
- GPS tracking - Proves speed and location
- Loop recording - Continuous capture without full memory
- Night vision - Better evidence in low light
- Parking mode - Records while the vehicle is parked
- Optional backup batteries - To maintain operation when the engine is off
Tip: Insurers may favour devices with secure data storage and tamper-proof features.
Are Dash Cams Legal in the UK?
Yes, dash cams are legal in the UK. However, there are a few rules:
For business use, signage may be required to inform passengers or staff.
Where Can You Get a Dash Cam Installed in Swansea?
Lehane Autos LTD is a trusted local expert for dash cam installations in Swansea, Llanelli, Neath, and surrounding areas. They offer:
Final Checklist for Dash Cam Insurance Benefits
Invest in Your Peace of Mind - Buy a Dash Cam Today
Ready to install a dash cam and potentially lower your insurance in Swansea?
Trust Lehane Autos LTD for fully compliant, professional installations. Whether you’re a private driver or fleet manager, we’ll guide you through the best solution for your vehicle.
Call 01792 389549 or 07468 513302 or get a free quote now.