http://www.car4play.com/forum Car4play forum en-gb Sat, 09 May 2026 11:33:37 +0100 Copyright: Car4play webmaster@car4play.com (Technical) 5 car4play688742 Sat, 09 May 2026 11:33:37 +0100 Very naive to accept the mantra spouted by the insurance companies. Even if there is an increase, logic would expect it to be minimal except in the crash-for-cash situations. http://www.car4play.com/forum/post/index.htm?m=688742&v=e car4play688740 Fri, 08 May 2026 23:11:09 +0100 >> However responsible or not and whether they paid a claim or not that claim will be entered into the Insured’s claim history and will potentially affect the Insured’s future premiums >> There should be limits to degree of blame. Last year SWMBO was parked in our 17-year-old car with the engine off, when a driver parked nearby reversed gently into a rear door, writing the car off for £1100. Needless to say I had it repaired, receiving £850, the exact cost of the repair. I'm not sure whether her premium was increased as a consequence, but if so it's a rip-off ! http://www.car4play.com/forum/post/index.htm?m=688740&v=e car4play688738 Fri, 08 May 2026 22:40:15 +0100 Has Joe Bloggs ever had access to these statistics to analyse them cos they sure as hell favour the insurance companies. http://www.car4play.com/forum/post/index.htm?m=688738&v=e car4play688736 Fri, 08 May 2026 19:26:05 +0100 I’m sure that’s correct. The Insurers do not want to pay a large claim for which the Insured was not responsible. However responsible or not and whether they paid a claim or not that claim will be entered into the Insured’s claim history and will potentially affect the Insured’s future premiums . Insureds who have collisions are statistically a worse risk than those who don’t whatever the apportionment of blame. http://www.car4play.com/forum/post/index.htm?m=688736&v=e car4play688735 Fri, 08 May 2026 19:02:28 +0100 The cynic in you is totally on point I'm sure. No longer do they do the donkey work to establish liability and apportion the bill accordingly. Except, as we found a few years ago, in a fatal motorcycle incident (as discussed here) when a manufactured claim apportioning blame was submitted through ambulance chasers and a couple of specialist independent inquiry companies were employed to analyse associated data and interview all potential witnesses on both sides. It was established that the deceased was totally the author of his own destiny. http://www.car4play.com/forum/post/index.htm?m=688735&v=e car4play688733 Fri, 08 May 2026 17:37:56 +0100 >> Insurers are likely to load your premium whether you were “at fault” or not. They >> tend to look at the incidence of claims associated with the assured rather than who >> was to blame. Indeed - In a "non fault" claim, you keep your no claims bonus. But your base premium goes up, because your statistical risk goes up. http://www.car4play.com/forum/post/index.htm?m=688733&v=e car4play688732 Fri, 08 May 2026 17:33:36 +0100 Insurers are likely to load your premium whether you were “at fault” or not. They tend to look at the incidence of claims associated with the assured rather than who was to blame. http://www.car4play.com/forum/post/index.htm?m=688732&v=e car4play688729 Fri, 08 May 2026 16:35:46 +0100 Exactly 50/50 claims suit the insurance companies as both sides can penalise and load their premiums. http://www.car4play.com/forum/post/index.htm?m=688729&v=e car4play688725 Fri, 08 May 2026 15:29:47 +0100 >> The BMW has a built in ‘drive recorder’ which, I think, uses the cameras the >> car already has for all the assistance systems. But it only keeps a short amount >> of footage when it detects an accident AFAIK. Presumably BMWs software deactivates the technology based >> on gps data in countries it’s not allowed. Who knows! I’m not even sure whether >> it operates at the rear, and don’t intend finding out if I can help it >> :) >> My Swift does something similar I think? I know it tells you that it may share information about your journey with Suzuki and you have to press ok on the infotainment screen in order to make it go away. http://www.car4play.com/forum/post/index.htm?m=688725&v=e car4play688723 Fri, 08 May 2026 14:31:11 +0100 A cynic might say that the insurance industry’s aim is to make money, not save costs. And that ambiguity and conflict creates more opportunities for everyone involved to make more money ;) http://www.car4play.com/forum/post/index.htm?m=688723&v=e car4play688722 Fri, 08 May 2026 14:22:59 +0100 I have limited personal experience of insurance claims fortunately, but would have thought it in the interests of insurance comapnies to offer a premium discount if one is fitted and the footage uploaded to them in the event of any claim. It takes out all of the hassle and admin associated with arguments over weather conditions, speed, road signs, selctive memories, other traffic, etc etc etc. Would save costs, and by providing actual data, all of the emotion over fault allocation. http://www.car4play.com/forum/post/index.htm?m=688722&v=e car4play688721 Fri, 08 May 2026 13:16:41 +0100 The BMW has a built in ‘drive recorder’ which, I think, uses the cameras the car already has for all the assistance systems. But it only keeps a short amount of footage when it detects an accident AFAIK. Presumably BMWs software deactivates the technology based on gps data in countries it’s not allowed. Who knows! I’m not even sure whether it operates at the rear, and don’t intend finding out if I can help it :) http://www.car4play.com/forum/post/index.htm?m=688721&v=e car4play688716 Fri, 08 May 2026 10:14:34 +0100 I probably would unless the other driver really annoyed me in some irrational way. Not sure whether 50/50 or 100% blame has any difference on your insurance record and subsequent rises - its still a claim http://www.car4play.com/forum/post/index.htm?m=688716&v=e car4play688715 Fri, 08 May 2026 10:08:27 +0100 Moral question If your Insurers offered a 50/50 settlement and your camera showed that you were 100% at fault would you advise your Insurers? http://www.car4play.com/forum/post/index.htm?m=688715&v=e car4play688714 Fri, 08 May 2026 10:07:08 +0100 My daughter's BYD didnt come with a dashcam but it comes with the software and the port to fit one. Plenty of videos on youtube on how to fit it which involve the A pillar and removing glovebox and various other bits of trim - pretty nervy doing it on a 4 week old brand new car! Especially when you have to have the passenger door open for all the trim removal and then the rain comes on! But now can view all recordings on the huge ipad type screen the car has. Watched one of the police progs last night and through someone's dashcam, they were able to confirm that the Focus went straight into the back of the queuing traffic without applying brakes. Scary to see (copper guy was a dog lover so called out a vet for the dog in the back of the first car hit - not sure on the normal protocols for this. Interestingly, even though it was an older Focus, they were still able to interpret the ecu and get information both before and after the airbag deployment relating to speed , cruise control, brakes etc Edit to add they also confiscated the drivers phone and on analysing that found that he had been on it non stop for his whole journey including playing gambling games, adding money to his accounts etc etc http://www.car4play.com/forum/post/index.htm?m=688714&v=e car4play688713 Fri, 08 May 2026 10:00:35 +0100 many wait till after they have had to take a 50/50 blame in an accident that wasnt their fault before they fit them. http://www.car4play.com/forum/post/index.htm?m=688713&v=e car4play688710 Fri, 08 May 2026 09:41:14 +0100 >> What is the thinking behind that? Overreaching strict privacy law, and overzealous policing. Although its now a democracy, a lot of stuff got carried over from the military junta. Some of it forgotten, some of it ignored by the populous, but give a policeman or magistrate a chance for a bonus and local income........... http://www.car4play.com/forum/post/index.htm?m=688710&v=e car4play688709 Fri, 08 May 2026 09:17:59 +0100 >> Anyone who drives abroad needs to remember dash cams are illegal in some countries. They >> will get you into deep trouble,for example, in Portugal >> What is the thinking behind that? http://www.car4play.com/forum/post/index.htm?m=688709&v=e car4play688708 Fri, 08 May 2026 08:42:24 +0100 >> Anyone who drives abroad needs to remember dash cams are illegal in some countries. Austria Luxembourg Portugal Switzerland To the extent that owning one is illegal, ie if its in your glovebox and they find it, you can be fined. BIG€ in Portugal http://www.car4play.com/forum/post/index.htm?m=688708&v=e car4play688706 Fri, 08 May 2026 08:26:31 +0100 Anyone who drives abroad needs to remember dash cams are illegal in some countries. They will get you into deep trouble,for example, in Portugal http://www.car4play.com/forum/post/index.htm?m=688706&v=e car4play688705 Fri, 08 May 2026 07:38:28 +0100 >> On the old HJ forum SLO had his wife's car totalled by a taxi who >> ran a red light and then denied it. SLO said then that all his future >> cars would have dash cams front and back. >> If I remember correctly the taxi driver had a dashcam but claimed it wasn't working, surprised the police never investigated that. http://www.car4play.com/forum/post/index.htm?m=688705&v=e car4play688704 Fri, 08 May 2026 04:41:21 +0100 On the old HJ forum SLO had his wife's car totalled by a taxi who ran a red light and then denied it. SLO said then that all his future cars would have dash cams front and back. http://www.car4play.com/forum/post/index.htm?m=688704&v=e car4play688698 Thu, 07 May 2026 17:16:01 +0100 Easy to fit and a deterrent to anyone who's too unobservant to spot it. I simply hid my wiring in the roof lining. http://www.car4play.com/forum/post/index.htm?m=688698&v=e car4play688696 Thu, 07 May 2026 15:14:24 +0100 > That may depend on where and how much driving you do. Most of my journeys now are on A/B-roads, not M'way. But I think there is more small-safety-margin driving than there used to be, where cam-recording could be useful. I was about 3 car lengths behind the car in front and passing an exit slip, when some twerp overtook and immediately set off up the slip road. No immediate threat to me as no-one made any sudden moves, but stupid dodgem-style driving nonetheless. http://www.car4play.com/forum/post/index.htm?m=688696&v=e car4play688694 Thu, 07 May 2026 13:55:44 +0100 There really quite simple to fit especially if you buy a known brand, took me around 45 minutes to fit my one, a absolute necessity in my mind, surprised there not a standard fitment on modern cars. Incidentally while I haven't actually needed mine it has recorded two separate shunts, a simple process to share the footage with the innocent party. http://www.car4play.com/forum/post/index.htm?m=688694&v=e car4play688693 Thu, 07 May 2026 13:18:20 +0100 Sounds like he's had a few bad customers so sacked it off and won't do them anymore unless they are really simple. http://www.car4play.com/forum/post/index.htm?m=688693&v=e car4play688692 Thu, 07 May 2026 12:51:40 +0100 I toyed withe the idea of a dashcam but I tend to think that it would make me a bit obsessed with how others are driving rather than how I am doing so decided against it. http://www.car4play.com/forum/post/index.htm?m=688692&v=e car4play688688 Thu, 07 May 2026 10:47:04 +0100 Sounds to me like a bloke who cant be rsed. I fitted a front and rear dash cam, and hid all the wiring no problem http://www.car4play.com/forum/post/index.htm?m=688688&v=e car4play688687 Thu, 07 May 2026 10:15:20 +0100 Surprised to be told by an auto electrician that he won’t fit rear facing dash cams. Too complicated hiding wiring to get it working 100% of the time, and customers not wanting any visible wiring. I suppose he has a point , I would have thought a rear facing dash cam would have its uses. And he won’t supply dash cams.,.bring your own for fitting then if it disappoint..poor app, low light, clarity, the customer cannot level any blame in his direction. http://www.car4play.com/forum/post/index.htm?m=688687&v=e