On-board camera and car insurance

Also called on-board camera or dashcam, this car camera is installed on the windshield or the dashboard of the vehicle. It films video sequences in full HD, the angle of view of which corresponds to the driver’s field of vision.


How Dashcams Work

The operation of an on-board camera is very simple. Placed next to or under the interior mirror of the vehicle, the dashcam continuously films video sequences.

Their duration is adjustable according to the models. Recording starts automatically when the vehicle is started.

No intervention of a mechanic is necessary. Then, the camera films all the events taking place along the routes. The videos fade over time. This saves memory card storage space and your privacy.

All of your travels remain confidential.

In the event of an abnormal event undergone by the vehicle (shocks, sudden decelerations, glass breakage, etc.), the recorded video is not self-erasing.

Deletion is done manually. This mode of operation makes it easier for drivers to retrieve video. If necessary, the motorist can also manually save a specific video even if he has not been the victim of a particular event.

It can be useful if he just witnessed an accident in which he is not personally involved. These videos can then be used to prove the good faith of drivers in the event of a responsible or non-responsible accident.

This explains why this device is increasingly popular with insurers.


Who can use a dashcam?

Young or experienced drivers, light riders or occasional drivers, impaired or terminated drivers,… Regardless of your profile, your bonus-malus coefficient or your use of the vehicle, dashcams are useful for everyone.


Reasons for installing dashcam in your car

Their are various reasons why you should install dash cam in your car.

Let’s check out some of them below.

1. A resilient and reasoned driving

First positive effect of on-board cameras? It allows you to improve yourself as a driver. Knowing that you are being filmed makes your conduct all the more responsible.

2. Visual proof in the event of a claim

Sometimes, in the event of a bodily or material accident, it is difficult to prove that you are not responsible for the facts.

Consequence – Repair costs are at your expense

Depending on the insurance plan chosen and the associated deductible, can represent significant costs. Especially if you have not taken out assistance or vehicle loan cover.

This option helps you out and gives you the benefit of a replacement vehicle for the entire period necessary for the mechanic to repair the damaged vehicle.

Image evidence provides irrefutable proof of what really happened. Indeed, the encoding of the files makes it possible to detect possible modifications of the video.

Regardless of the situation: Hit and run, motorist giving false testimony, attempt to falsify the report the on-board camera records everything that happens in complete impartiality.

The result is that in the event of a non-responsible accident, you are able to provide proof to your insurer of your non-involvement.

The compensation will be all the more just. Indeed, in France, videos shot by an on-board camera may be admissible as evidence by the courts or insurance companies.

Therefore, these devices are very useful if you are in an accident or too shocked to remember the exact circumstances.

In the case of a not-at-fault accident, the video can even help you track down the driver who caused the accident.

Another advantage

it is an excellent deterrent against an opposing party tempted to falsify the joint report or to make a false statement to avoid taking responsibility for the accident.

In the event of a dispute, showing the video to the responsible driver is generally enough to put him “back on track”.


Dash camera and car insurance?

The images filmed by the on-board cameras are geolocated and dated , so they can be accepted by insurers.

However, they have neither more nor less value than the other elements provided by the motorists involved in the accident or the witnesses of the scene.

Thus, your insurer may decide to rely solely on the other evidence attached: police report and/or amicable report, direct testimonies, photos taken with smartphones at the site of the claim, etc.


On-board camera – what does the law say?

French legislation requires the use of dashcam images in compliance with the regulations of the law on the protection of privacy.

Anything relating to private life cannot be recorded or broadcast without the explicit agreement of the persons appearing on the recording.

Thus, article 226-1 of the Penal Code stipulates that dashcams do not infringe on privacy.

They are considered a CCTV device. Indeed, the videos are captured from a private place, while the dashcam videos are recorded in public space.

The law therefore makes a distinction between videos recorded on the public road from a private place (by a dashcam), and video recordings of the public road or a private place (commerce) made from the public road (video surveillance).


Be careful if you go on vacation abroad

Although most European countries accept dashcams, not all do. Austria, Greece, Portugal or Luxembourg are more reluctant. In the name of the precautionary principle on the protection of privacy, they prohibit its use or require authorization to be sought from their equivalent at the CNIL.


Which insurance to choose?

You have the choice of taking out compulsory car insurance, also called civil liability, or supplementing it with optional guarantees.

It can be assistance, repair, breakdown, replacement vehicle, glass breakage, etc. which would allow you to cover the majority of bodily injury and material damage with which you would be confronted.

It doesn’t matter if you’re a light rider or a driver with record mileage, a dashcam is essential safety equipment.

This is why more and more insurance companies are supporting it.


Our advice

The insurance formula depends not only on your budget but also on the age of your vehicle.

To the extent of their means, drivers of a new car will favor all-risk insurance.

The contribution is higher than with simple or extended third-party insurance, but they are sure to be covered for all claims or damage that could damage or even destroy their car.

Conversely, motorists who drive a car put into circulation several years ago, would take out simple third-party insurance.

Thus, the amount of their insurance contribution will be lower.

Another tip to reduce the premium for your car insurance: play on the type (fixed or variable) and the amount of the deductible to be paid in the event of damage to the vehicle.

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