The Dash Cam Mistake That Could Cost You


The dash cam mistake that could cost you!

In the bustling roads of the UK, car insurance isn’t just a legal requirement—it’s a critical layer of protection for every driver.

Among the myriad tools motorists use to bolster this protection, dash cams have emerged as a popular ally.

Indeed, these handy devices serve multiple purposes:

They offer evidence in disputes, protect against insurance fraud, and can even lower insurance premiums.

However, there’s a crucial oversight many are missing—

One that could not only negate these benefits but also inadvertently lead to invalidating their car insurance.

In this article, we dive into the increasingly common use of dash cams, their benefits, and a little-known mistake that could be costly for UK drivers.

  • Firstly, the popularity of dash cams
  • Secondly, the benefits of dash cams
  • Thirdly, the risks of hard-wiring dash cams
  • Furthermore, compliance with insurance policies
  • Lastly, ensuring proper installation

Dash Cam Popularity In The UK

Dash cams have swiftly moved from niche gadgetry to mainstream must-haves for UK drivers.

In fact, recent studies suggest that approximately 2.9 million drivers in the country now rely on these devices.

Consequently, the surge in their popularity can be attributed to their proven effectiveness in capturing real-time incidents on the road, providing irrefutable evidence in the case of accidents or disputes.

Benefits Of Using Dash Cams

For those weaving through the UK’s traffic-laden streets, dash cams offer more than just peace of mind.

Notably, they are instrumental in protecting drivers from fraudulent insurance claims—a prevalent issue in urban driving scenarios.

Moreover, many insurance companies acknowledge the value of dash cams by offering discounted premiums to drivers who have them installed,

Thus, making them a cost-effective investment for prudent motorists.

The Critical Mistake: Hard-Wiring A Dash Cam

While the benefits of dash cams are clear, there’s a critical caveat that is often overlooked.

Specifically, when a dash cam is hard-wired into a vehicle’s electrical system, it is no longer just an accessory—it becomes a part of the vehicle.

This change categorises the dash cam as a ‘modification’ under many car insurance policies, a detail that many drivers miss.

As a result, failing to declare this modification can be a costly oversight,

As it may lead to the invalidation of one’s car insurance just when it is most needed.

Insurance Implications Of Hard-Wired Dash Cams

The implications of improperly declaring a hard-wired dash cam are significant.

Should an accident occur, and the insurance provider discovers an undeclared modification,

The insurance claim could be outright denied.

This scenario leaves drivers vulnerable not only to losing their insurance coverage but also to bearing the full cost of any damages or liabilities incurred during the accident,

A risk no driver should have to face.

Beyond the financial risks, there are legal and safety considerations to take into account.

Moreover, hard-wiring a dash cam involves tampering with a vehicle’s electrical system, which if done incorrectly, could lead to electrical faults or even fires.


UK law requires that any modification made to a vehicle be declared to the insurer to maintain the validity of the insurance policy.

Therefore, proper installation and compliance with legal standards are paramount.

How To Properly Install A Dash Cam

Properly installing a dash cam is crucial to avoid legal and insurance issues.

First, consider hiring a professional for the installation, especially if you plan to hard-wire the device.

This approach ensures compliance with safety standards and prevents interference with your vehicle’s electrical system.

If you decide to install the dash cam yourself, follow the manufacturer’s guidelines carefully.

Mount the camera securely and ensure it does not obstruct your view.

This placement prevents the camera from dislodging during accidents or sudden movements.

Notifying Your Insurer

After installing your dash cam, promptly inform your insurance provider.

This step is essential to keep your insurance policy valid.

Provide all necessary details about the dash cam and its installation method.

Being transparent with your insurer ensures coverage in the event of a claim and recognizes your dash cam as a legitimate security device.

Alternatives To Hard-Wiring

If you prefer not to hard-wire your dash cam, consider plug-in models that use your car’s cigarette lighter socket or USB port.

These models are not usually considered modifications and typically do not require notifying your insurer.

They are easier to install and remove, providing flexibility without committing to a permanent modification.


Dash cams are invaluable for UK drivers, protecting against fraudulent claims and potentially lowering car insurance premiums.

However, the installation method can significantly affect the legality of your dash cam and the validity of your car insurance.

By understanding the importance of proper installation and open communication with your insurer,

you ensure that your dash cam fulfills its purpose without causing unintended consequences.

For more tips on car insurance and compliance with UK laws, explore our guide to navigating car insurance options.

Discover more about keeping your vehicle and insurance in top shape by visiting our pages on saving money on car insurance and understanding comprehensive vs. third-party insurance.

Remember, staying informed and proactive in managing your vehicle’s safety features is key to maximizing the benefits of both your dash cam and car insurance.

Car Insurance Quote

Step 1

Complete your quick and easy quote

Car Insurance

Step 2

Reveal your cheap car insurance policies


Step 3

Pick your favourite and get instant cover