Dashcams and Insurance: an excellent plan?

The «dashcams», or the Abaard cameras, gradually arrive in France. Since mid -2000, these small cameras that have been similar to the black boxes have been installed in our vehicles. Originally founded in Russia and Asia, we find these cameras on most cars in these countries. In fact, they were made mandatory there, taking into account the insurance fraud and other problems that the Russians and Asians met.

As their name indicates, which is a contraction of the dashboard and the camera: they are inside the vehicle, usually on the windshield, but can also be installed on the back of the car or even in the mirrors.

If at the beginning, they were rather destined to be a gadget in France, their use took a completely different turn. From now on, we are inspired by the Russians and Asians: the images of the dashcam can be recorded, not only for a playful purpose, but to use them as proof in the event of an accident.

This is one of the reasons why the sale of these cameras has increased abruptly in recent years. We note that in 2011 28,000 dashcams were sold. 3 years later, there are 370,000 units sold.

How could we explain this increase?

Dashcam and car insurance

The main feature of a dashcam is to permanently film the road images and even continue when the vehicle is stopped. Why not use them in the same way as the Russians and Asians? It is this perspective that car insurance has decided to give these cameras. Some insurance have therefore made the decision to offer discounts to motorists who wish to use a dashcam. This is the case of Ba assurance Those who suggested to their subscribers, in January 2014, a 30% discount on the insurance premium for its customers with a dashcam. AxaOn the other hand, it offers a 10%discount.

There is also the system of » Pay as Guidi«Translated into French from» conducted while you pay. This is what Allianz And Direct energyBut in two different ways. Direct energy reduces its prize up to 50% for young drivers, which must be understood as drivers with less than 7 years of license or has never been ensured before. As for Allianz, it offers a discount of up to 30% for drivers who have obtained the best driving score, there the entire principle of wages like Guidi. Being turned seems, from the beginning, to encourage motorists to respect the speed limits. The offers of these insurance can consolidate them in this idea.

Finally, insurance Amazizgroup GroupamaHe found another way to present a discount to his subscribers. He got in collaboration with Coyote and then offers to equip his car. The customer would obtain a discount on the purchase of an integrated Coyote dashcam. In addition, he would have seen his insurance premium drop by almost 10% on average.

Update on the various insurance offers for Dashcams owners

Cameras on -board, yes, but not only as

Motorists can buy dashcam alone or buy them through their insurance to get a discount or any offer of them. If they choose to buy it with their insurance, they will therefore be mandatory to provide images in the event of an accident. These can serve astrial before a jurisdiction. Otherwise, if their dashcam has been purchased without going through their insurance, it will return to them only to use it in the event of an accident.

In case of shock, the small camera will automatically save the Last ten minutes shot. Therefore, a test will be available for the driver. So you have to take into account theArticle n ° 427 of Code of criminal procedure Those who indicate: «excluding cases in which the law has differently, the crimes can be established with any test method and the judge decides according to his intimate sentence. The judge can only base his decision on the evidence provided during the debates and discussed in a contradictory way.

So, for a more fun goal, it is tempting to publish the images we recorded with a dashcam on the internet. And in this case, do not forget the image rights and others with respect to the Cnil reminds us. It is for this reason that it is essential to have an authorization from the Prefecture in order to use a personal dashcam. It should also be clearly indicated that the vehicle contains one.

Finally, in some countries, the use of a dashcam is forbidden. This is the case of Luxembourg AND Austria.

How to choose your dashcam?

There is different models Dashcams, depending on what motorists can search. Some cameras will include the sound with an LCD screen that displays the image. Others will be equipped with GPS and will be displayed on the recorded video and the speed with which it is performed. Those who have the GPS function will have the bonus of having dated and geolocated images, very useful if we want to use it as proof. If you are not sure to make the right choice, do not hesitate to take a look at our comparative guide for the best dashcam.

Several brands offer them, in particular Garmin with his Nüvicam Who include The GPS function. TomTom offer Coyote s In collaboration with AmazizIncluding an incident -Dire -in -Law option in addition to his camera. Finally, we find the brand RoadeyescamsPioneer of the dashcam and French leader on the Russian market.

You can buy a dashcam, but it can also be directly integrated into your car. This is what Citroën offers with the Citroen c3. They appear for the first time as a simple gadget as they present it as the ideal tool «to capture and share your moments of life. On the other hand, they do not hide theirs Connectedcam It is very useful to serve as a test during an accident.