The insurance myth, corrected
The dash cam insurance discount is mostly a myth. Most UK insurers do not offer one at all, and Aviva says so plainly on its own site: fitting a dash cam does not lower your premium with them, because the camera is portable rather than permanently fitted to the car.
A version of this page used to state that AXA, KGM, Aviva and Ageas all offer discounts of 5% to 15%. We could not source that claim anywhere, and the Aviva part of it is directly contradicted by Aviva's own published position. We are correcting it here rather than repeating it.
We can’t lower your insurance if you’ve got a dashcam, mostly because they’re very small and portable so they’re not permanently fitted to your vehicle.
Aviva opens its answer with the words "In short, no". A named insurer stating plainly that it does not discount for a dash cam, while still accepting footage as evidence on a claim. This directly contradicts the "insurers give you a discount" line the rest of the web repeats.
That is a named insurer, in its own words, stating plainly that a dash cam does not reduce a premium with them. It is the single clearest contradiction of the "insurers give you a discount" line that gets repeated across the UK web without a source attached.
Some insurers even offer a discount on your premium if you install a dash cam.
The word is "some". The ABI page does not say you must declare a dash cam.
"Some insurers" is doing a lot of work in that sentence. The Association of British Insurers does not say most insurers, and it does not name which ones do. Treat any page that turns "some" into a specific list of named insurers with a specific percentage as going further than this source goes.
Five claims, three tiers of confidence. Where a claim is unverified, it is marked as such rather than presented as fact.
£30 off, but only if you buy an RAC dash cam costing at least £60
Most insurers don't offer dashcam discounts. A small number do, more as a marketing gimmick than because they actually think they make you a safer driver.MoneySavingExpert (Aretnap) ·
Stated 15% discount
Search snippet only; adrianflux.co.uk not fetched ·Named repeatedly in forums as the one insurer with an explicit discount, but we did not fetch the page to confirm the figure.
10%, plus a further 2.5% for a Nextbase camera
nextbase.co.uk, citing Swiftcover ·Reported by Nextbase, who sell both the camera and an insurance product. Not confirmed at Swiftcover.
Premium went UP after the customer declared a dash cam
after calling them to let them know I've installed a dash camera, my policy price has risen!MoneySavingExpert (faintaxis) ·
Refused cover entirely, citing the theft risk of the camera
MoneySavingExpert (oldagetraveller1) ·No insurer's marketing page tells you this. Two people on MoneySavingExpert did, in the same forum thread, three years apart.
One driver called their insurer to declare a dash cam and watched their premium go up, not down. Another was refused cover entirely, with the insurer citing the theft risk of the camera itself as the reason. Both are in the list above, dated and linked to the original post.
Neither of these is the norm and neither is a reason to expect the worst. They are the reason a blanket "fit one and save money" claim does not hold up: insurers price risk individually, and a camera does not change that in one direction only.
Set the discount question aside and the actual case for a dash cam on insurance is simpler: footage that settles who was at fault. A recorded collision is far harder to dispute than two drivers giving conflicting accounts, and every insurer we could find, discount or not, accepts footage as evidence on a claim. That is the benefit worth expecting. A lower premium is not.
What we will not repeat. We could not source a discount claim for AXA, KGM or Ageas anywhere, at the insurer's own site or otherwise. The version of this page that named all four alongside Aviva was wrong about at least one of them, provably. If you can point us to a primary, dated source naming a specific insurer's dash cam discount, tell us and we will add it with that source attached.
Almost none do, reliably. RAC has offered a discount, but only bundled to buying an RAC branded dash cam over a set price, which is a conditional offer rather than a general discount: see the exact figures in the list below. Adrian Flux and Swiftcover are both named in circulation for a discount, but we could not fetch either page to confirm it, so both sit in our list as unverified.
No. Aviva states on its own knowledge centre that it does not lower your insurance for having a dashcam, because the camera is portable and not permanently fitted to the vehicle. It does accept dash cam footage as evidence on a claim.
We could not find a source for this anywhere, including on AXA's own site. Some sites repeat a line about AXA, KGM, Aviva and Ageas offering discounts of 5% to 15%, but it names no source, and the Aviva part of it is directly contradicted by Aviva's own published position. We are not repeating a figure just because it is common online.
For most people, no. The Association of British Insurers says "some insurers" offer a discount, which is a long way from all of them, and the sourced reports below include one driver whose premium went up after declaring a dash cam, and another who was refused cover over it.
Claims leverage. Footage that shows what actually happened at a collision can settle a dispute over fault far faster than two conflicting accounts, and that is worth more to most drivers over time than a discount most insurers do not offer in the first place.
It has happened. One driver reported on MoneySavingExpert that their premium rose after they called their insurer to declare a dash cam. Another was refused cover altogether, with the insurer citing the theft risk of the camera itself.
Last reviewed 10 July 2026