Dash cams have become increasingly popular with UK drivers, not just for recording journeys, but also for providing evidence if something goes wrong. While a dash cam won’t guarantee cheaper car insurance, it can be useful when supporting an insurance claim or resolving disputes.
If you’re considering buying a dash cam, it’s important to understand which features actually matter and how insurers typically view dash cam footage.
This guide explains what to look for in a dash cam, how different features work, and why they can be helpful from an insurance perspective.
What Is a Dash Cam?
A dash cam is a small camera mounted inside a vehicle that continuously records video while driving. Some models also record when the vehicle is parked.
Dash cam footage can be used to:
- Provide evidence after an accident
- Support insurance claims
- Help resolve liability disputes
How Dash Cams Can Help With Insurance Claims
Dash cams don’t directly reduce insurance premiums, but insurers may use footage to better understand what happened during an incident.
This can help by:
- Clarifying fault in disputed accidents
- Reducing investigation time
- Supporting honest claims
Some insurers may ask whether a dash cam was fitted at the time of an incident.
Key Features to Look for in a Dash Cam
1. Video Quality (Resolution)
Clear footage is essential. Look for at least 1080p Full HD recording. Higher resolutions, such as 1440p or 4K, can provide clearer number plate and road detail.
Good video quality is particularly important in low-light conditions.
View Full HD dash cams on Amazon
2. Wide Field of View
A wide-angle lens allows the camera to capture more of the road. Most dash cams offer a field of view between 120° and 170°.
This helps capture:
- Adjacent lanes
- Junctions and roundabouts
- Side impacts
However, extremely wide lenses may distort the image slightly.
3. Loop Recording
Loop recording allows the dash cam to continuously record by overwriting older footage once the memory card is full.
This ensures the camera keeps recording without manual intervention.
4. G-Sensor (Impact Detection)
A G-sensor detects sudden movement or impact and automatically saves the relevant footage to prevent it being overwritten.
This feature is useful because it:
- Preserves footage after collisions
- Captures sudden braking or impacts
5. Parking Mode
Parking mode allows the dash cam to record when the car is parked, often triggered by movement or impact.
This can help capture:
- Hit-and-run incidents
- Vandalism while parked
Parking mode may require hardwiring or an external power source.
View dash cams with parking mode
6. Front and Rear Cameras
Some dash cams include a rear-facing camera as well as a front-facing one.
This can be useful for:
- Rear-end collisions
- Capturing tailgating incidents
Are Dash Cams Legal in the UK?
Yes, dash cams are legal in the UK. However, drivers should ensure:
- The camera does not obstruct the driver’s view
- Footage is handled responsibly
- Data protection rules are respected if sharing footage
Key Takeaways
- Dash cams can support insurance claims but don’t guarantee lower premiums
- Video quality and reliability matter more than extra features
- G-sensors and parking mode can add useful protection
- Always inform your insurer if required
Frequently Asked Questions
Do dash cams reduce car insurance premiums?
No. Dash cams do not guarantee cheaper insurance, but they can help support claims and clarify incidents.
Should I tell my insurer if I have a dash cam?
It’s best to inform your insurer so your policy details remain accurate.
Is a front-only dash cam enough?
For many drivers, yes. However, front and rear cameras can provide more complete coverage.
Can dash cams record while parked?
Some models offer parking mode, which may require additional power solutions.
Are dash cams legal in the UK?
Yes, as long as they do not obstruct the driver’s view and footage is used responsibly.