Can an in-car camera system reduce my car insurance?



Some insurance companies are now offering reductions in car insurance by using in-car camera systems that they have approved. In addition to this, a video recording of your accident could provide evidence that you were not at-fault for an accident. If you have been involved in an accident that was not your fault, we and our partners can provide independent assistance without you having to pay the excess on your policy. Call 02392 484 244 and we will be happy to help.


The benefits of an in-car camera system

Thanks to advances in technology and reduced manufacturing costs, in-car video recording equipment (sometimes referred to as ‘dashams’) have become an affordable option for many motorists.

The features available on these cameras vary considerably, but a good quality system could include the following:

  • High quality video recording

  • Continuous recording

  • Collision detection features

  • GPS integration enabling the capture of speed and location data


All of these features could be helpful to verify your version of events if you are involved in a road traffic collision where the third party is disputing liability

Also just by having this equipment in your car, studies have shown that your own driving technique and safety awareness can improve.


The advantages of making an accident claim independently of your insurer

We and our partners help thousands of motorists every year by providing the services you need and recovering the costs and charges directly from the at-fault driver’s insurer on your behalf.

We provide a range of services, some of which may not actually be included on your own policy. The benefits of our service are shown below:

  • An alternative to a claim on your own policy

  • You do not have any excess to pay

  • We provide a like-for-like replacement for your un-roadworthy vehicle

  • We deliver your replacement typically within 3 hours of accepting your claim

  • Your vehicle is repaired at one of our approved accident repair centres

  • Repairs can alternatively be arranged at a repair centre you choose

  • Legal assistance can be arranged for the recovery of your expenses, lost earnings or claims for compensation

  • Help is available 24/7 for all your claim queries


For independent claims assistance following a non-fault accident, call us on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury