The cost of living is going up, and people are trying to see how to bring down their costs to save some money. One of the burning questions motorists are asking is if installing a dashcam can reduce your car insurance premiums.
This FAQ page is here to answer all your questions and tell you everything you need to know on dashcams and insurance.
No, a dashcam won’t automatically reduce your car insurance. Some insurance companies may reduce your premiums, especially for fleets who insure multiple vehicles, but this all depends on the insurance company.
Yes, an insurance company will accept dashcam footage in a claim. But you need to make sure you provide unedited, clear footage. The recording should also have a time and date stamp to prove that it’s the right video clip and preferably include audio.
Yes, there are some disadvantages to having a dashcam. If your insurance knows that you have a dashcam and there’s an incident on the road, your footage can be requested and used against you. Another disadvantage is that when you record people on a dashcam without their consent, it’s a violation of the POPI act.
The best dashcam to help prove your innocence in a car accident is one that records in the vehicle as well as the road. This way you can show how you were driving and if you were paying attention to the road as well as what happened on the road. Having audio is a bonus as well.
Dashcams benefit you with your insurance by proving your innocence in an accident, and they can speed up any claim you submit. This includes smash-and-grabs as well.
It’s possible to get cheaper insurance if you have a dashcam installed, but it’s completely dependent on your insurance provider. It’s unfortunately not a common factor in bringing your premium down.
You can purchase a dashcam from various stores in person and online. However, we recommend getting a dashcam from a provider like Cartrack because we have designed dashcams that last, that record in high resolution, and that can capture footage in low light, and they're hardwired so they'll last long without being in your way.
All of our dashcams are worth buying; it would depend on what you’re looking to have a dashcam for. If you’re an everyday commuter that wants footage in case of emergencies, then our Road Vision or Dual Vision cameras are best. If you’re a business owner looking for an advanced camera system for your fleet, then we recommend our AI Dash Pro or AI MultiVision solutions.
The type of dashcam you should buy would completely depend on what your needs are. Are you just looking for extra security on the road, capturing special road trip moments, or do you need one to monitor driver behaviour? These are the dashcam solutions you can get from Cartrack:
With Cartrack, our dashcam solutions start at R189 a month. But the price will depend on what your requirements are and what added features you're looking for. It’s best to get in contact with one of our sales agents to get an accurate quote just for you.
Insurance companies don’t require dashcams, so there isn’t any specific one that they prefer. But if you’re going to submit dashcam footage for a claim, it's best that it has a time and date stamp on it and that the footage is clear no matter what the conditions were at the time of recording.
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