Benefits of Buying a Car Camera
With more and more UK motorists begining to reap the benifits of installing an in-car camera, sales of these small, purpose built video devices, are increasing daily. Fitting your car camera is easy, they simply attach to your vehicles windscreen via a suction cup or adhesive mount, this enables you to record video footage of the road ahead and gives you your very own ‘eyewitness’. If you’re unfortunate enough to be involved in any kind of collision, they offer complete peace of mind that you’ll have detailed footage of the whole incident. This could help prove your innocence and offers irrefutable video evidence when it comes to settling an insurance claim. The follwing list offers a few more reasons why installing a car camera could be the best thing you ever do…
Protection against Crash for Cash and Insurance fraud
Crash for cash, is without doubt, one of the largest vehicle based crimes an innocent motorist may have to deal with, and the bad news is it’s still on the increase. According to the Insurance Fraud Bureau, organised Crash for Cash scams are costing the UK insurance companies around £392 million every single year, and with 1 in 7 personal injury claims being linked to one, it is netting huge amounts of money for the criminals involved in it. Crash for Cash is a huge problem right now and vehicle insurance fraud is not a victimless crime; it is the honest policy holder that will ultimately pick up the bill with an extra £40-£50 being added to their insurance premiums every single year. Gangs of highly organised criminals will usually stage or induce an ‘accident’ by causing an innocent motorist to crash into the rear of the fraudster’s car. The simplest scenario is where the gang members car may pull directly in front of yours and then by suddenly hitting the brakes they leave you little or no chance to avoid a rear-end collision. This now gives the criminals the ideal opportunity to make as much money as possible by submitting exaggerated insurance claims for vehicle damage, ‘loss of earnings’ and personal injury, the drivers not only claim this for themselves but sometimes for passengers who weren’t even travelling in the car! By simply installing a car camera in every vehicle that you drive, you’ll be safe in the knowledge that you will be protecting yourself with HD video evidence that will fully show the circumstances leading up to, and including the collision itself. This will give the insurance company any proof it needs if they suspect the claim to be a fraudulent one.
Protect your insurance premiums
Often, when making a claim to your insurance company the claimant will always have to pay an increased cost on their next renewal. This is because most of the time, after an accident each party denies responsibility for it; the result is the insurance companies have to assume equal responsibility for both parties. On some occasions the outcome is even worse and the innocent party is wholly blamed for the collision. Installing a car camera will help ensure that the actions and driving behaviour of those who caused the incident are 100% indisputable. The insurers will be able to get a complete understanding of the circumstances leading up to an accident and this will mean that only the guilty parties’ insurance company will have to pay damages. Thus, in-car video evidence goes a long way to protecting your premiums and your no-claims bonus.
Cheaper car insurance
As car cameras or dash cams become increasingly popular on UK roads, some insurance companies are recognising the benefits of having them fitted and discounts are already being offered for drivers who install and use their cameras regularly. Having high-quality video evidence also means that insurers can spend less time and money investigating suspicious or fraudulent claims and therefore can pass this saving on to the motorist. In a nutshell the car camera will actually pay for itself before there has even been an accident! Still can’t decide whether or not to purchase an in-car camera? For most of us, just the fact it could save us a small fortune on our insurance premiums is enough to make it a “no-brainer”.
Deter, record or report dangerous and unsociable drivers
With the car camera market expanding by the day, drivers will eventually start to become more aware that there are quite a number of vehicles on UK roads that already have an on board video camera mounted inside them. This, we are sure, will eventually start to make every motorist drive with a lot more courtesy and patience for others. Unfortunately, at this moment in time, we are still a long way away from this. With speeding motorists wanting to under-take or push in front of us, angry tailgaters who insist on driving a few inches away from our rear bumper or selfish drivers who chat away on their mobile phones, these are all examples of incidents that are happening on a daily basis and are making our roads as dangerous as ever. So how can we combat this? Simple, by using an in-car camera system you’ll have the ability to capture any dangerous or reckless driving on video. This can then be reported to the local authorities and in many cases these drivers will be prosecuted solely on car camera evidence.
Protect against road rage incidents
Road rage attacks are becoming ever more common in the UK. In most cases this involves nothing more than some choice words or possibly some offensive hand gestures. That said, there are a number of drivers who are reportedly finding themselves as a target of actual physical violence. If you have a car camera fitted, try to make sure you always position yourself in front of it whilst you’re exchanging details; this ensures that any offensive behaviour or threats will be caught on camera. Another way to diffuse a potentially violent situation is to inform the other driver that the event is being monitored and recorded, this can be a useful tool, helping to diffuse a volatile situation. Many attackers will be far more likely to back down once they know their actions being filmed by your ‘eyewitness’.
Protection in car parks
G-shock technology sensors are tiny motion sensors that are built in to most modern day car cameras. This enables the camera to instantly start recording the moment it detects either, movement around the car, or a sudden bump or jolt to the vehicle itself. This will be an enormous benefit to you if you happen to return to your parked car to find it scratched or damaged in some way. The saved file from your in-car camera can be viewed once you’re back at home, or with some car cameras, the footage can be watched there and then on your smartphone using a Wi-Fi connection. It gives you extra peace of mind that you may have caught the culprits face on camera or in the case of the damage being caused by another vehicle; you’ll not only have video images of the incident taking place but also the vehicles registration plate. This gives you the advantage of bringing any guilty party to justice and once again saves you from having to make a claim on your own insurance.
Record commercial and fleet driver’s activity
With the advances in car camera technology it is now possible to start protecting your entire workforce whilst they’re out on the road. Fleet owners now also have the ability to monitor every one of their vehicles and driver’s activity. Using Google maps they can check whether a driver has adhered to the correct pre-planned route, not broken the speed limit and more importantly not been driving without due care and attention. At the same time many drivers now enjoy the peace of mind that having a camera installed brings. Commercial drivers are often the target of crash for cash scams, this is because the gangs know that a commercial vehicle will undoubtedly have insurance, when a larger van or lorry is blamed for being at fault in an accident, irrefutable video evidence can immediately prove the drivers innocence, therefore not only protecting the fleet owner’s insurance costs but also helping to protect the employees driving licence and ultimately, their job.
Taxi and Private hire protection
If you drive a black cab for a living or you’re always on the road as a private hire driver the chances are, at some point, you’ve ended up either having a near miss with another vehicle or maybe found yourself in a vulnerable situation with one of your passengers. With Taxi and private hire insurance premiums being at an all-time high, there’s never been a better time to install your very own ‘eyewitness’ protection. These days you’ll find CCTV everywhere you go so why should your cab or minibus be any different? There are numerous problems that can arise whilst driving, these include damage to the outside of your cab from other road users, verbal and sometimes physical abuse and of course those customers who have decided not to pay their fair at all! Having the knowledge that you have a reliable camera system in place will go a long way to improving safety for both the driver and passengers alike.
Young and novice driver protection
The cost of insurance premiums for young or novice drivers has increased dramatically over the past few years; some of these premiums can range anywhere from £3,000 to £7,000 a year! This is largely because younger and less experienced drivers are more likely to be involved in an incident or accident in their first few years on the road. To combat some of these issues insurance companies will only offer them a policy if they then agree to have a ‘black box’ fitted in their car. This then tells the insurer their locality, what time of day or night it was and more importantly what speed they were travelling. Now imagine installing a car camera into their vehicle to back this up, it would not only give their insurance company a visual image of how they were driving, but could potentially prove their innocence should they ever be involved in a collision with another motorist. Worth thinking about, isn’t it?
Protect your vehicle against misuse and abuse
When you have to leave your vehicle with a stranger, it can sometimes be a real worry. Without an in-car camera installed you have no idea how others are treating your property. How many times have you left your vehicle at a garage for repair, service or M.O.T or maybe had to leave it with a valet parking company at an airport? Once it’s out of your sight, what really goes on? Having a car camera installed enables you to see (and sometimes hear) exactly what happens once you’ve dropped it off and handed over your keys. Viewing the camera footage back will enable you to know exactly where your vehicle was and how it was treated. If you have a car camera with built-in GPS you’ll also be able to see the route it was driven, how fast it was travelling and where abouts it was left parked up.