In-car JS300 camera could reduce your car insurance premium

As we've reported extensively on this site, car insurance fraud, including crash for cash, is on the increase. While more resources are being channelled into its detection, with recent developments in this area including a new dedicated London-based Insurance Fraud Unit and the setting up of a new Association of British Insurers (ABI) car insurance cheats database, there remain many thousands of examples every year of car crashes where the interests of honest motorists could  have been better protected if they had been able to present video evidence of what actually happened.

Indeed, in any car crash, there is a risk that third parties will either incorrectly recall or deliberately attempt to misrepresent what actually happened and this can be easily countered if you have video footage of the accident.

Video evidence from the JS300 can also assist your car insurance company to process your claim more efficiently and it prevents a stand-off scenario whereby your insurer and that of the other driver are unable to agree which party was at fault, except where the JS300 video footage is genuinely inconclusive.

Fleet cars, in particular, are a good candidate for this kind of monitoring, given their high annual mileage and the protection it offers to their drivers. Even private individuals, especially young drivers where premiums can be high, can benefit financially via lowered premiums. FleetNews recently reported that one young driver reduced his premium by 20% simply by fitting a front-facing camera system.

It would be logical for more car insurance companies to support the use of these in-car cameras as their video evidence helps to settle claims quickly and more cost-effectively. Telematics providers, in particular, could add this type of monitoring to their package, helping to reduce costs even further for safe young drivers.

The cost of these cameras varies according to their specification but it can be obtained for just under £200 (including VAT) for a JS300 camera system that includes GPS recording incarwitness.com/shop. If you decide to fit one of these cameras, talk to your car insurance provider. As their use can significantly reduce their costs in a claim, they may well be willing to agree a discounted premium.