Having a dash cam in your vehicle may not directly result in a lower car insurance premium in Ontario. However, it can serve as evidence in the event of an accident and help establish liability, which could potentially help resolve insurance claims more quickly and accurately.
While dash cams are not a commonly considered factor when determining car insurance rates, some insurance companies may offer discounts or incentives for drivers who install them in their vehicles. It’s always a good idea to ask your insurance provider about any available discounts, and to find out if having a dash cam will impact your insurance rates in any way.
Keep in mind that insurance rates are determined based on a variety of factors, including driving history, type of vehicle, location, and the insurance company you choose. So while having a dash cam may not directly lower your insurance premium, it can still be a useful tool to have in your vehicle.
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 favor.
Which Insurers Offer Discount For Dashcam?
The availability of a dash cam discount varies by insurance company and by province in Canada. Some insurance providers offer discounts for drivers who install a dash cam in their vehicle, while others may not.
Here are a few Canadian insurance companies that offer a dash cam discount:
- Desjardins Insurance
- The Co-operators
It’s always a good idea to contact your insurance provider directly to ask about any available discounts, including discounts for having a dash cam installed in your vehicle. Keep in mind that insurance rates and discounts are subject to change, so it’s always a good idea to regularly review your coverage and compare insurance options to ensure you’re getting the best rate possible.
Is it Worth Getting a Dashcam?
Whether or not a dash cam is worth it is a personal decision and depends on your individual circumstances and priorities. However, here are a few potential benefits of having a dash cam:
- Evidence in case of an accident: A dash cam can serve as evidence in the event of an accident and help establish liability. This can be particularly useful in disputes with other drivers or insurance companies.
- Improved driving behavior: Some drivers may find that having a dash cam improves their driving behavior and helps them avoid engaging in risky behaviors such as speeding or tailgating.
- Peace of mind: Having a dash cam can provide peace of mind, knowing that you have a record of your drives in case of an accident or other incident.
- Potential discounts on insurance: Some insurance companies offer discounts for drivers who install a dash cam in their vehicle.
While dash cams can be a useful tool to have in your vehicle, it’s important to keep in mind that they are not a guarantee against accidents or other incidents. In the end, the decision to get a dash cam is a personal one, and you should consider your own needs and priorities when making this decision.
List of Top 10 Best Selling Dashcams in Canada
The top-selling dash cams in Canada can vary from year to year and from region to region, but here’s a list of some of the popular dash cams that have consistently been well-received by Canadian customers:
- Nextbase 422GW
- Thinkware U1000
- Garmin Dash Cam 65W
- Anker Roav DashCam C450
- Vantrue N2 Pro
- BlackVue DR750S-2CH
- Z-Edge T4
- Pruveeo MX2
- VIOFO A119 V3
- Rexing V1
Please note that this is not a comprehensive list and other dash cams may also be popular in Canada. Additionally, the popularity of a dash cam can be influenced by various factors such as price, features, and customer reviews. Before purchasing a dash cam, it’s always a good idea to do your own research and read customer reviews to determine which dash cam is the best fit for your needs.
Pros and Cons of Dashcams
Pros of Dashcams:
- Evidence in case of an accident: Dashcams can provide valuable evidence in case of an accident, which can help to determine who is at fault and can also provide evidence to insurance companies.
- Deterrent to bad driving: Some people believe that the presence of a dashcam can act as a deterrent to bad driving, as drivers may be less likely to engage in dangerous or reckless behavior if they know that their actions are being recorded.
- Improved safety: Dashcams can provide added peace of mind and improved safety, especially for long drives or at night.
- Easy to install: Dashcams are relatively easy to install and can be mounted on the windscreen in just a few minutes.
- Cost-effective: Dashcams are a cost-effective way to increase the safety and security of your vehicle compared to other advanced safety systems.
Cons of Dashcams:
- Cost: Dashcams can be an additional expense, and some higher-end models can be quite expensive.
- Privacy concerns: Some people may be concerned about privacy when using a dashcam, especially if they are recording in areas where there are other people present.
- Distraction: Some people may find the dashcam distracting while they are driving.
- Maintenance: Dashcams require periodic maintenance, including regularly cleaning the lens and replacing the memory card.
- Limited storage capacity: Dashcams have limited storage capacity, and older footage may be overwritten if the memory card fills up.
Best place to install dash cam
The best place to install a dashcam is usually on the windshield, behind the rearview mirror. This position allows the camera to have an unobstructed view of the road ahead and provides a good balance between capturing the entire view and not obstructing the driver’s view. It is important to make sure the camera is securely mounted and doesn’t block any important parts of the windshield. Additionally, some countries have laws regulating the placement of dashcams, so it’s a good idea to check the regulations in your area before installing a dashcam.
Are dashcams legal in Canada?
Yes, dashcams are legal in Canada. There are no federal laws that prohibit the use of dashcams in Canada. However, it’s important to be aware of the privacy laws in your province or territory, as they may affect how you can use the footage captured by your dashcam. For example, some provinces require that you obtain consent from all individuals captured on the footage, while others allow you to use the footage for personal purposes only and not for commercial use or distribution. Additionally, some provinces have laws regarding the placement of dashcams in vehicles, so it’s a good idea to check the regulations in your area before installing a dashcam.
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