Do Dash Cams Lower Your Insurance? What UK Insurers Actually Offer

One of the most common reasons UK drivers buy a dash cam is the promise of cheaper insurance. But do dash cams actually lower your premiums? The answer is: sometimes — and not as much as you might hope. Here’s the reality.

Which Insurers Offer Dash Cam Discounts?

This is not an exhaustive list — policies change regularly. The best approach is to declare your dash cam when getting quotes from multiple insurers and compare the results.

How Much Can You Save?

Typical dash cam discounts range from 5% to 15% of your annual premium. On the average UK car insurance premium of around £800 (2025 figure), that translates to savings of £40–120 per year. Since a decent dash cam costs £50–100, it can pay for itself within the first year.

However, the discount varies by insurer, your driving profile, and the type of camera. Some insurers simply factor dash cam ownership into their risk model rather than offering a named percentage discount.

The Real Value: Faster, Fairer Claims

The biggest financial benefit of a dash cam often isn’t the premium discount — it’s the protection it provides in disputed claims. Without footage, a 50/50 liability split is common when both parties have different accounts of an accident. With clear dash cam footage showing the other driver was at fault, your insurer can settle the claim fully in your favour, protecting your no-claims bonus and avoiding excess charges.

When Footage Can Backfire

Dash cam footage is a double-edged sword. If your camera captures you:

• Exceeding the speed limit at the time of an accident
• Running a red light or stop sign
• Using your phone while driving
• Driving aggressively or without due care

… then the footage could be used against you in an insurance claim or even as evidence of a criminal offence. You are not legally required to hand over footage that incriminates you in a criminal matter, but withholding relevant footage from your insurer could affect your claim.

How to Submit Footage to Your Insurer

1. Save the footage immediately after an incident — dash cams loop-record and will overwrite old footage
2. Do not edit the footage in any way — timestamp, speed data, and continuity are important
3. Contact your insurer and let them know you have footage
4. Upload or send via their preferred method (online portal, email, or USB)

Final Thoughts

A dash cam is worth having regardless of whether your insurer offers a specific discount. The real value is in the evidence it provides during claims, the protection against fraud, and the peace of mind of having an impartial witness on every journey. Any insurance discount is a bonus.

Insurance products and discounts vary by provider. Always compare quotes from multiple insurers.