In Car Camera Systems Should Help to Lower Your Insurance Premimum

Based on the Car Affiliation (the AA), common automotive insurance coverage premiums have elevated by over 30% in 2011 with insurance coverage for 17-22 yr olds rising by 47% on common. The sharp improve in automobile insurance coverage premiums implies that many drivers merely cannot afford to drive or personal a automobile.

One key motive for insurance coverage premium will increase is the rise in ‘money for crash’ fraudulent claims. Some drivers are actually unlawfully benefiting from staging accidents or purposely inflicting accidents. These fraudulent drivers then profit from insurance coverage payouts, which in flip drive up the price of insurance coverage premiums for trustworthy and regulation abiding residents.

In mild of this fraud there’s now a brand new know-how out there to trustworthy drivers, that are generally often called in automotive digital camera programs. These small cameras are fitted to the windscreen of the automobile and report the street forward, contained in the automotive and even out of the rear of the automobile and supply the driving force with very important proof ought to they turn into concerned in an accident. Some programs even report the automobile pace, GPS location and G-forces of the automobile with an accelerometer to show the precise forces of the automobile earlier than, throughout and after a crash. What’s extra these units could be purchased for as little as £190.

The good thing about such know-how is {that a} driver can shortly submit the proof of an accident declare to their insurance coverage firm. With out this very important proof it may possibly take as much as six weeks or extra to assign fault when two drivers are arguing over the accident.

The primary prices precipitated when investigating and deciding fault are:


  • Rent automobiles during the choice earlier than fault is set
  • Additional value of rent autos as soon as fault is set
  • Automobiles off the street with potential lack of earnings for each events


Many drivers who’ve been caught out in a ‘money for crash’ accident endure much more extreme losses. In these circumstances the drivers are sometimes pressured to straight endure insurance coverage loss, and may lose their no claims. As soon as the time involves renew their coverage these ‘crash for money’ victims are then pressured to pay greater insurance coverage premiums and are susceptible to not with the ability to get insured once more.

Insurance coverage firms have recognized about these ‘black field’ kind of programs for a few years (since 2002) now with Aviva launching their ‘Pay as you Drive’ scheme primarily based on a lot of these programs.

What shocks the daily driver is that insurance coverage firms do not brazenly provide any saving to drivers utilizing automotive cameras. That is shocking as there are clear advantages of utilizing the in automotive digital camera programs

If a CCTV system can assist to decrease buildings insurance coverage, why cannot a wolfbox mirror dash cam in a automotive do the identical?? Extra motion is required from insurance coverage firms.

If they provide financial savings to drivers, extra drivers will use these units, which is able to assist to reinforce street security, will stop dishonest drivers from abusing their insurance coverage insurance policies and which is able to in flip assist to decrease automotive and automobile insurance coverage premiums as soon as once more.

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