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Dash Cam Car Insurance Discount Canada

While dashcams do not provide Canadian drivers with a specific discount on their car insurance, they can be useful and used to save drivers money in other ways indirectly on their car insurance. Currently, in Canada, you can legally drive with a dashcam. Dashcams are a great tool for drivers especially when they are involved in a collision. Dashcams record the events leading up to and including the collision. Many questions that insurance providers ask can be answered when viewing the dashcam footage. A dashcam acts like a witness to the collision and records details such as weather conditions, and what took place before, during, and after a collision. Dashcam footage can also be an aid when fighting traffic tickets that could otherwise increase your car insurance premiums. Dashcams are also a useful tool that can help protect yourself against possible staged accidents and insurance fraud. Dashcams can also be useful when reviewing footage regarding driving habits. Drivers can improve driving habits when they identify through dashcam video driving skills they can improve on. 

Does Having a Dashcam Lower Insurance?

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Insurance companies in Canada do not offer a discount specific to dashcams, however, having a dashcam can save you money when the captured footage can settle discrepancies in your favour. 

Which Insurers Offer Discount For Dashcam?

Currently, there are no insurance companies that offer a specific dashcam discount, however as dashcams are becoming more popular and more affordable, this may be a possibility in the near future. 

How Much Can You Save on Car Insurance With a Dashcam?

A dashcam on its own will not save you money on car insurance in Canada. However, installing a dashcam can help when determining an at-fault accident. 

Is it Worth Getting a Dashcam?

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A dashcam is more than just a camera, many models on the market today come equipped with GPS systems, lane change and collision notifications, wide-angle lens, and automatic motion detection. Installing a dashcam is a personal choice. 

Is a Dashcam a Modification?

A dashcam may be classed as a modification by some insurance companies. If you are thinking of installing one, check with your insurance provider first. 

List of Top 10 Best Selling Dashcams in Canada

There are several dashcams available in Canada,  but which one should you choose? Below you will find a list of the top 10 dashcams in Canada for your review:

  1. BlackVue DR900X-2Ch Dashcam
  2. Thinkware U1000 Dashcam
  3. VIOFO A129 Dashcam
  4. BlackVue DR750S-2CH Dashcam
  5. Thinkware Q800PRO Dashcam
  6. VIOFO A119 V3 Dashcam
  7. Thinkware FA200 Dashcam
  8. BlackVue DR590X-2CH Dashcam
  9. Thinkware M1 Motorsport Dashcam
  10. BlackVue DR750S-2CH IR Truck Dashcam

The BlackVue DR900X-2CH Dashcam is rated the best overall dashcam. The VIOFO A129 Dashcam is rated as the best budget dashcam. The Thinkware U1000 Dashcam is rated as having the best cloud features. The BlackVue DR590X-2CH Dashcam is rated as the best entry-level dashcam. The Thinkware M1 Motorsport Dashcam has rated the best dashcam for motorcycles. The BlackVue DR750S-2Ch IR Truck Dashcam is rated the best for trucks. Most dashcams offer 32GB, 128GB, or 256GB in memory space. Some Dashcams have the capability of hardwiring a dashcam to the vehicle and some models have extra battery packs available for purchase. The wide-angle varies depending on the model you select, in the top 10 listed above the wide angles vary from 130 degrees up to 162 degrees.

Types of Dashcams

There are various types of dashcams on the market with pricing ranging from approximately $50 to $500. Some dashcams are portable, and you plug them into your cigarette lighter adapter or auxiliary power outlet in your vehicle. You can install it only when you are driving to record driving footage. Some car manufacturers also offer dashcams as an accessory. Other dashcam models can be hardwired into your vehicle and work when the vehicle’s ignition is turned on. There are also models of dashcams that are hardwired and can record even when the vehicle is not turned on. Models that record at all times have what is called a parking mode and are great tools for detecting attempted theft and vandalism. They also could save insurance companies money when your vehicle has a dashcam installed and your vehicle is involved in a hit and run, the dashcam can record the licence plate number of the vehicle that hit your vehicle.

Pros and Cons of Dashcams

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As with anything, there are pros and cons to installing a dashcam in your vehicle. Below we have outlined some of the pros and cons associated with having a dashcam. 

Pros

  • Security – dashcams can act as a security camera capturing footage of vandalism and hit and run footage that can help identify persons and vehicles involved in incidents.
  • Aid in Insurance Claims – in some cases dashcam footage can fast-track an insurance claim, however, some insurance providers don’t have specific policies on dashcam footage.
  • Extra Features – dashcams are more than a camera, some models out on the market provide lane-change and collision notifications, integrated GPS systems, motion detection, and wide-angle lenses. 

 Cons

  • Distraction – like any additional device in your vehicle, dashcams can be a distraction to some drivers. 
  • Risk of Theft – dashcams can be a theft hazard when installed in the vehicle, just like a GPS, GoPro cameras, and smartphones. 
  • Cannot Capture 360 degrees – although technology is improving, the dashcams are not able to capture 360-degree video as they are front-facing cameras. 
  • No Dashcam Insurance Discounts – even though dashcams can indirectly save you money on car insurance, currently there is no direct discount for installing a  dashcam.  

Recreational Use of Dashcams

Some people purchase and install dashcams for recreational use. Dashcams are great for capturing beautiful scenery and historical monuments. Dashcams can also be installed on motorcycles and dirt bikes for capturing racing events. Dashcams installed on recreational vehicles can be a great asset for identifying trails and trail markers when in an unfamiliar area. There are certain models of dashcams that are made specifically for motorcycles and trucks as well. 

Best Place To Install A Dashcam

To avoid windshield obstruction the best place to install a dashcam is behind the rearview mirror. Although a dashcam can be installed on the side and rear windows as well.

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