Can a Dashcam Lower Your Insurance Premium?

The short answer: sometimes yes. Several UK insurers now recognise dashcam ownership as a sign of responsible driving and offer reduced premiums or excess reductions.

Which Insurers Recognise Dashcams?

Insurers including Aviva, Direct Line, and Admiral have acknowledged that dashcam footage speeds up claims resolution — reducing fraud costs and therefore premiums. The exact discount varies, but some drivers report savings of 10–15%.

More Importantly: Evidence When It Matters

The real value isn’t a premium discount — it’s having clear, timestamped evidence when you’re not at fault. Without footage, a “50/50” decision by insurers can cost you your no-claims bonus.

What to Look For

For insurance purposes, you want GPS-embedded footage (timestamped location and speed data) and at least 1080p resolution. The Nextbase 622GW and 522GW both meet this standard.