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AXA IS TO offer customers a 10% discount on their insurance if they fit a dash cam to their car.
The Irish Independent reports today that the plan is aimed at attempting to cut down on fraudulent injury claims.
Camera company Nextbase is also to offer a 10% discount on its dash cams as part of the initiative. But is this a good idea?
Poll: Would you fix a dash cam to your car for a motor insurance discount?
Poll Results:
Yes (11035)
No (2519)
Don't know/I don't have a car (634)
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@Peter Barlow: past my test in the uk in 1978 – passed my advanced driving test 2 years later – NEVER had so much a a parking ticket ,speeding fine or penalty point, my car is always nct’d taxed and insured – fully comp with 70% n.c.b — im with axa for more almost 20 yrs in ireland and yet im still paying over 600 euro a year for a 05 car that is only worth ‘scrap ‘ value ! as part of the eu i dont see why we cant insure our cars outside of the state – i could get the same cover abroad for less than 300 euro !
@Eric Davies: The value of your car is largely irrelevant when it comes to setting your premium. The majority of it is based on the risk that you will be involved in an accident and have a claim made against you. The older your car, the more likely this is.
@Eric Davies: yeah I thought that the common economic area would include accessing services from continental companies. Sure ar3nt they all underwritten by Lloyds in London? So how come the companies can be insured from London but Joe soap cannot?
@Dick Face: i cant afford a newer car and the one i have is perfectly fine – mechanically it is very good order ,it passes its nct every time without issues because i have it well looked after – regularly serviced and maintained , so why should i change it ? so long as it is roadworthy and able to pass an nct i dont see why insurance companies should be allowed to increase my premiums – i have a very good driving record – no accidents ,no claims ,no points or fines in 40 yrs of driving – more if you take into account that i had a motorbike before i passed my driving test – insurance should be based on the driver and the drivers ability and record -not the age of the car ,so long as it is road legal !
@Tony O Neill: i have tony – and axa actually came out as one of the cheaper options – the big insurance companies here are all subsidiaries of the big banks -aib and boi or an post — ebs wanted over 900 euro – 123,ie wanted nearly 1000 – quote devil was over a grand and others would not insure because the car is over 10 yrs old – i cant afford a newer car and the one i have suits me fine – its only a 1.1 ltr — the problem is not me or my car -the problem is we as a nation are ripped off by insurance companies be it for car ,house life or health insurance .
@Donal McCarthy: 40yrs without any claims ? i dont see how that makes me a bigger risk — if im ‘involved’ in an accident it is most likely to be with some gombeen with a newer more ‘modern’ car who thinks they own the fecking roads !
1. Turn off sound recording. No need for it.
2. Don’t get a gps enabled one. Your speed can be worked out from it.
3. If ever involved in an accident, don’t ever disclose you have a dash cam until you’ve reviewed the footage. The other side doesn’t need help to prove you were in the wrong.
Are axa going to supply the camera because a 10% discount is only worth about €30 to me.
@sequoia: The premise of your advice seems to indicate that if an accident occurs you expect to be at fault.
Perhaps you should address your driving habits if a dashcam will prove you’re wrong.
I don’t expect to be at fault but unfortunately was involved in an accident several years ago where the other person was at fault and it was still found that I was “contributory” even though they hit me on my side of the road.
Apparently I should have swerved out of their way onto the pavement.
No harm in ensuring that you’re in the right. A crash is going to cloud your thinking in the immoderate aftermath. Get your thoughts together and review footage before submitting it.
@sequoia: they can still work out your speed without gps enabled. Speed = Distance/Time. All they need to do is see how long it takes the car to cover a known distance in the video. Simples.
@David peate: I wouldn’t. If you forgot too switch it on for whatever reason and you had an accident, the insurance company would use it against you and try not to pay out even if you were in the right.
@Peter Cavey: I got one free with my insurance same price as if I didnt get one, discovered afterwards yes you must show it in event of an accident. I rang them wasnt too extreme it didnt invalidate the insurance just increased excess by 180 quid. My car doesnt power down the 12v sockets when engine is off by design so in my case I do need to plug it in and out each time which is a pain.
@Pete Brady: What model car is it to not shut down everything to save the battery, I know all Citroen / Peugeots will power down anything that’s in use after 30 mins after engine is turned off.
@Pete Brady: I’ve got a Skoda and it has a permanent feed to the sockets as well. I used a splitter on the fuse for the rear wiper and this then supplies power to a 12v socket. This is all next to the fuse box so is out of sight. I fed the cables from the dashcam behind the car trims and plugged it in. Works perfectly and switches off with the ignition.
I got one last Summer after a HGV with a heavy load pulled out in front of me on to the fast lane on the M1 North bound, he didn’t hit me only because I slammed on my brakes and served, it was too close for comfort though.
@Brianán McBride: did you serve him dinner or with a warrant? Only joking…#swerve. It’s not nice when that happens but at least you know your heart is working properly afterwards…. a lunatic decided to overtake 4 or 5 cars AND A LORRY AT THE FRONT that was approaching me and even though I had to jam on the breaks hard, I still don’t know how she managed to squeeze between me and the lorry as the lorry passed me. My heart was beating louder than the radio until I got to work that morning #heartracing
@Dave C: I have one for a good while too and have a collection of fine examples of dangerous idiots behind the wheel. I’m told that if you post the vids you need to be careful to blur the reg or you’ll get legal threats. It must be a growth industry for the pond life lawyers.
@Richard Day: I think that busting an alien for drinking and texting whilst flying a UFO and warping from the scene of an accident could be problematic.
Have dashcams fitted the last 6 years. They have paid for there cost 10 times over. You be foolish not to have one. There is no Gray area when you have HD footage for the most part.
But 10% Axa having a laugh. Wasn’t of time they just load your policy some other way.
@Ananya Sharma: hi Anaya.
Just the one. My car was hit by a car on the wrong side of the road. Cost just shy €1000 worth of damge. All caught on the cam. The cam cost my €50 at the time.
Brianan mcbride you clearly haven’t a clue and i would urge other drivers to install a camera to protect themselves from you There are no fast lanes in this country just a driving lane and an overtaking lane. In the case of a three lane carriageway its a driving lane, first overtaking and second overtaking lane. In all cases once the overtaking manoeuvre is complete you should return to the driving lane Based on your statement it is clear you were driving in the overtaking lane and the poor truck driver who is limited on speed and struggling to meet delivery schedules got fed up waiting and was unable to access the overtaking lane because you were loitering out there in the false belief that because you are doing a speed that you regard as “fast”, you have a god given right to remain there
@Vivienne Ward:
They’re actually named
Minor road – Lane 1
Dual Carriage Way – Lane 1 + 2 (inside, outside)
Motorway – Lane 1, 2 + 3 (inside, outside 1 and outside 2)
@Vivienne Ward: have to jump in – this leap frog rubbish by the articulated trucks should be banned like the rest of Europe – they go 80kmh max and should never overtake anyone.
@Vivienne Ward: Based on his statement it is clear he was in the overtaking lane Overtaking something when a lorry nearly caused a crash by not paying attention. I think he has more of a clue then you…as he was involved and not you? Also, a professional driver should drive safely irrespective of their work commitments, yes?
@Vivienne Ward: FYI I only ever use the over take lane when over taking, I moved in to the over take lane leaving plenty of room between vehicles as I’m aware of the drivers blind spot, this driver didn’t indicate and cut in in front of me, I slammed on my brakes and swerved to avoid a collision. Due to my misuse of a word you choose to insult me not knowing all the facts showing your ignorance.
It’s for your own sake to have a dashcam. There are way more cars, bicycles and pedestrians than ever before. They’re not too expensive either for the job they do.
I theory it sounds great but, you are basically doing the Insurance Company’s investigation for them. If you’re in the wrong, or even slightly liable, the evidence on the cam will be used, potentially against you.
If you fail to keep your cam turned on and can’t provide the footage required, you’d risk a policy voidence. But yay, 10% discount!!!
@JC: do you honestly think insurance companies will start dropping prices if fraudulent claims decrease? I seriously doubt it. They’ll just enjoy higher profits and that’ll be that.
More expense by the insurance companies if you ask me. 10% reduction of already over inflated premiums by them. The country is full of cctv as it is and now they want you recording your every move
Yes.
For the last three years I did have a dashcam and getting no discount I paid over 200 euros at the time for it and it certainly made a huge difference. I can recall one occasion where a driver was stuck to my bumper behind and would not move back tried all of the messages to get him to drop back a little bit but to no avail . I then swung the dashcam around so it was recording his style of driving as soon as he realised he was on camera he dropped back by at least two car lengths . For some reason after about two years the dashcam packed in and was told it could not be repaired I am going to invest in another one.
@Kamshafft: I never stay out on the outside lane on a motor/Dual W for obvious reasons this incident I am referring to was on a very narrow and dangerous country road but very little traffic I do not use my m/b while driving and I have BT I also avoid this as its still a distraction I hope you are satisfied with my answers to what started out as a dashcam thread only you desided to put in your own idiotic questions to me . You should pick up a hobby.
@Kamshafft: presumptive? You just made up two contributing factors and put them too him. ‘Hogging fast lane and browsing mobile phone’ and then call him presumptive. Maybe he was juggling oranges and singing a boyz to men song. I dunno. Or maybe he was just telling a story regarding his dash cam. Weird
@Kamshafft: yes and i was pointing out how ironic that was when you had made previous presumptions to his story. Also ‘mustnt be able to understand English properly’. it’s mustn’t or must not. More irony. Thanks for that. Also that’s not really how AKA is used.
@James O’Brien: genuine question. How is it a worthy investment? Intuitively I think they may be a good idea, but I’d be interested in knowing how they improve things for the average, non commercial driver rather than just record instances if bad driving
@James O’Brien: I asked James to advise me on a good brand which he done. They are a very worthy investments as Guards often ask for dash cam coverage of incidents/accidents, they provide proof with no doubt if for example someone driving in front of you suddenly slams on their breaks causing you to rear end them for a false insurance claim or indeed the HGV driver who pulled out in front of me, if he hit me I would have proof it was entirely his fault.
@Anne Marie Devlin: OK.. If people all had them fraudulent insurance claims would cease and premiums go down in fact the other day some muppet tried to say I hit his car and I took the dashcam out and he was found out there and then. These work when parked too and you can get more advanced ones with sensors that start recording say if someone tried to break into your car. No you tell me me why its not a worthy investment.
@James O’Brien: James gave me advice on a dash cam when I asked him, I got one after a HGV pulled out in front of me on the M1; only I slammed on my brakes and swerved he would have collided with me. Also if a vehicle suddenly slams on their brakes in front of you for the reason of making a false claim your dash cam will prove who was at fault. The guards/police regularly ask for dash cam footage of accidents/incidents.
Given that we have drink driving laws .
Our roads have improved
Safety belts
Driving tests for everyone
NCT on all cars
Spot checks on tyres
All to improve safety in the last 10 year’s
We will all get dash cams and they Will find some other way to make us pay more
Why have incurance never came down?
They are a little like the banks can’t be trusted
I was involved in an accident where a driver pulled out in front of me on a rd about I hit her and as I hit her back corner I was deemed responsible and she got 45k crazy if I had a camera it could have been used.
The way money is given out in claims is a joke sort that out and the accidents and premiums will fall..
sounds like it would come with a lot of terms and conditions attached and quite possibly previous data unrelated to a claim would be used as justification for non-payment. With insurance companies you always must ask yourself “what’s in it for them?”
AXA are too expensive to begin with. Rope you in the first year with a good quote and then double it the following year. I have never found them competitive. 10% discount is not enough!
I fit one last year to our car. Bought off amazon and took 10 minutes to fit.
My missus had a fender bender on a roundabout during the summer. Another driver was in the left lane and wanted to go right.
Their insurance said there had to be an investigation as the stories conflicted and this could take 3 months. We got our solicitor to send images from the dashcam and it took them two days to accept liability. Paid for itself.
The dashcam also provides entertainment especially on a long journey, particularly when the kids are singing and and arguing among themselves. After the trip I remove the SD card and play the contents back on the TV their reaction does be amusing, but now when they know the dc is on they have become much quite leaving me to concentrate on my driving.
I don’t like the idea of anyone having access to the information on my driving.
I know I could be described as an aggressive driver.
I know I exceed the speed limit.
And though I’ve never been in an accident I’m not arrogant enough to think it couldn’t happen nor that it could very well be my fault.
And even if it wasn’t…… no guarantee I’d not get in sh!6 for how I’d driven prior to any incident.
The question though is, say the dashcam fails to record for whatever reason while you are in an accident. What would the insurance company’s response be?
My advice. Get a full final quote with insurance company…….then say you have a dashcam. But 10% is terrible. Mine cost me €110. I’f only get €40 back if they cared which they don’t.
@Kamshaft: for your information, the footage from the SD card is inserted into a USB device and video is displayed in 16.9 mode with 30 second continuous clips, and then the card is reformatted and ready for the next journey and the dc continues to carry out the function it was intended for.
Got one two years ago and it’s caught someone reversing into my parked car, and a yellow reg driver trying to ram me off the road! Definitely worth the money!! And Black Friday is coming up folks get one on the deals
During the abortion referendum a woman kept tearing down a poster that was placed on a pole outside her house in a small village but I couldn’t prove it was her so I parked my car across the street from her house and left the dash cam running so I could catch her in the act, she spotted the dash cam and made a complaint to the guards, and said I was invading her right to privacy, when the guards contacted me and I explained the situation they told me I wasn’t breaking the law as I have a right to protect my property but asked if I would move it in the interest of peace and harmony which I agreed to do. Two days later my poster was gone again. She obviously wasn’t a fair minded woman as everyone is entitled to their opinion, anyway she got her way in the end. Sorry if this has nothing to do with car insurance just another use for the dash cam.
a woman cut in front of me at a roundabout in naas.I beeped because i thought she was going to hit me..She stopped ,got out and started to abuse me.i let her rant,then showed her my dash cam and asked if she wanted to call the gardai,she couldntt get away quick enough.Nasty woman !!!
I’ve had a dashcam for years, first a Nextbase and now a YI as the Nextbase broke. It’s poor show that AXA have chosen to restrict users to just one dashcam maker
There should be more cameras on the roads. Guards only just getting technology to check insurance!… ridiculous, Last time I drove in the UK a decade ago they had done away with any need for paper in the windscreen, all automated by camera, we’re pathetically inept.
@thesaltyurchin: What do you mean? For years Gardaí have been able to check if a car is insured. Friends and I have sometimes been given faded printed labels, or the sticker didn’t arrive on renewal, and if stopped, the Garda simply ran a check from his car and confirmed that the car was fully covered. After business hours too. Maybe they need to do more checks, but they are catching uninsured cars.
@Fiona Fitzgerald: Absolutely, by stopping a car and checking, which is a massive waste of time and resources. They’re only being automated now, so now (or soon) they can check with a camera from… Wait for it!… a ‘central database’, everybody’s information, tax, insurance, etc. Should (and will eventually) be sourced from a numberplate via a camera, ie no need for paper.
@thesaltyurchin: Yes, no, I agree on automation. Sorry, I hadn’t read the previous article about the handheld devices when I wrote that. As you say, it makes sense to only stop the cars that aren’t insured.
I pay €500 insurance so 10% discount when the cam will prob cost that or more is no incentive – should be at least 25% discount, free fitting and half price dashcam – or something like that.
Another half arsed attempt to appease the public from that crooked industry.
@Kamshaft: nowhere in the comment was there ever a mention of the dashcam being used in the car for the kids entertainment. The memory card was removed from the dashcam from the car and brought into the house so the data could be viewed on a large TV screen. To clarity once again, the dashcam records the activity which occurs on the public road everytime the car is been driven and the footage is never viewed in the vehicle.
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