In the above video it shows a ‘crash for cash’ scam, the driver in the blue car slams on their brakes hoping the vehicle behind doesn’t have time to react and crashes into the rear of their car. Unfortunately, in this example the lorry stopped in time however the car behind it didn’t, so these scammers ruined two peoples lives that day. Insurance companies always state that the car driving behind is at fault (unless you can prove otherwise, hence the importance of this post).
Another example that happened to one of our girlfriends, that has caused her/us lots of hassle, upset, financial loss and most annoyingly it all could have been avoided by this simple cheap £40-£200 device.
This might sound like a big sales pitch like an eager Currys employee but honestly the amount of crap we’ve had to go through recently is almost enough for us go out and buy one of these for everyone on here and go bankrupt.
Imagine this, you’re driving down a very narrow country lane, it’s a sunny day with great visibility, high banks either side of the road with tall grass on both sides. It’s obviously a slow road (around 20MPH max), you’re doing around 15MPH and you slow for a corner, then some d*ckhead wannabe Colin McRae (RIP dude) rally driver comes around the corner at 40MPH, you come to a stop but he smashes into the front of your car. There are no witnesses just you, who is at fault?
Both insurance companies will come back to say both drivers are to blame…50/50… but wait a minute you were going 15MPH and he was going 40MPH… he was clearly to blame. Prove it…. You can’t, it’s his words against yours and because he’s a d*ckhead he isn’t saying it wasn’t his fault and is actually blaming you. He reports you to the Police, gets accident management companies & debt collection agencies chasing you.
You spend months sorting it all out and in the end your insurance premium goes up, you have to pay your excess and now you worry about driving down country lanes in case it happens again. 9 months later your insurance company says they won’t insure you due to pending Police action, you have to go through it all again to clear your name.
Then months and even years later you’re still being hassled by companies who get sold your accident information who then resell this information on to more companies and so on.
Annoyingly/in hindsight all of this could have been stopped with a device costing £10-£150, considering your excess is probably around £300 and an insurance renewal with a 50/50 £600 claim added can add £300-£1000+ to your yearly bill…. £150 is starting to sound like a great saving.
tl;dr: D*ckhead speeding, head on collision with GF, no proof he was speeding = 50/50 insurance claim = large cost + tons of hassle
Welcome to the world of Dash Cams (cheap HD tiny video cameras) that record footage of your driving and most importantly other peoples driving/actions etc
10 reasons to own a dash camera:
- Can save your insurance no claims bonus
- Can save an increase in insurance renewal prices
- Recommended by Police forces, road charities, insurance providers, motorist groups, car providers & most importantly us 😉
- Possible lower insurance. Be sure to ask your insurer about a reduction and if they say no then ask to speak with the manager and write a formal complaint about not getting a discount (if we all were to do this they would soon start to listen).
- Can help send the b*stards that do ‘crash for cash’ to jail (like person in video) B*stards!
- Can help other road users not just yourself, imagine you witnessed a fatal accident where the other driver drove off
- Seen a dangerous driver on the road, if your camera captured it you could in theory send it to the Police. One driver recently got 12 months disqualification from a video submitted by a member of the public!
- Spot a meteorite in the sky? Don’t worry your dash cam has got it > http://10ws.co/StWwX5 Boom! Easy YouTube money!
- It’s your extra eye witness, it can pick up little things you’ve missed and most important you don’t have to worry about missing things off in your written report to the insurance company.
- We bet if you’re ever unfortunate enough to get in a car crash you would spend twice this amount to clear your name instantly
What are the best ones to go for?
- NextBase 522GW (or newer)
- Front and Rear Cameras
- NextBase has been Voted No1 Dash Camera by Sun Motors
- Which? Best Buy
- ThinkWare F800 Pro
- Expensive but high quality video and pretty compact.
- Often wired directly into the car power system so no lose cables, we had it professionally installed.
- Superb video quality, very compact unit (ideal for hiding), comes with front and back cameras.
- Downsides: No video screen (not really needed once you’ve setup via the Wifi app) but useful sometimes, you may need a Power Magic Pro to properly cable it in. Often will need to be professionally installed but it’s certainly possible to DIY install.
- Garmin Dash Cam Mini Key-Sized Dash Camera
- Super compact
- Built-in G-Sensor
- 1080p HD
Another great video of how a dash camera can save you:
Why you should buy a dash cam
► 10 reasons why you should buy a car dash cam (+ a video that shows a prime example of insurance fraud/people faking crashes, just look at the woman's face when she realises she is being filmed!)1). If you crash and it wasn’t your fault you have the whole thing recorded as proof, just show the Police, insurance companies etc and you have nothing to worry about. This can literally save you thousands of pounds on your insurance renewal / excess! 2). Possible lower insurance, some companies now offer discounts to drivers who install cameras. Be sure to ask your insurer about a reduction and if they say no tell them you’re will be looking at moving companies to one that respects careful drivers (they don’t like people saying that).3). It can help other people not just yourself, imagine you witnessed a drunk driver fatally injure somebody. Your camera might be the missing clue Police need, showing the number plate of the car etc.4). It will help stop the b*stards that do ‘crash for cash’ / insurance fraud, who force you to crash into their car, then claim every penny they can from your insurance company then sit at home living the high life from all the whiplash claims they do each month. That alone is worthy of anyones £70.5). It takes away lots of the hassle from having a car accident and more importantly the time it takes to go through everything with everyone involved. Once played back it shows you lots of things that insurance companies are bound to ask you, things like road conditions, location on road, your speed etc etc etc. Trust us it’s a real ball ache. 6). Spot a meteorite in the sky? or someone doing something funny. Don’t worry your dash cam has got it covered and you can sell the video for an easy £300 > http://10ws.co/StWwX57). Modern cameras are so simple to use. The Mobius (http://10ws.co/1DQ7g4s) allows you to simply set it and forget it - it auto records and deletes old footage to make more space so you don’t have to worry about changing memory cards etc + it’s the size of a matchbox so is well hidden and fits in your pocket.8). Show off your driving skills to the world, like this hero http://10ws.co/ZRtYKn9). They’re recommended by Police forces, road charities, insurance providers, motorist groups, forum members, various YouTubers and most importantly us 😉 Honestly it’s one of the best investments you can make. 10). Pretty awesome for capturing videos of road trips etc to document your journey.► What do we use? We have this exact set http://10ws.co/1DQ7g4s from JooVuu (UK based company), they’ve done us a special deal for 10ways users which is nice, knocking a few quid off for the first 50 people + everyone gets free delivery with the code C4M3R4Memory card wise these would be perfect > http://amzn.to/ZRsTlE, http://10ws.co/1FOJDez or http://10ws.co/ZRt28D (basically you want at least Class 4 and around 16GB of memory).WARNING:Now some of you will know you can buy these Mobius cameras from Hong Kong (http://10ws.co/1FOS0Xw) HOWEVER after import duty/VAT you’re looking at a total price of £61.49 + around a 3-4 week wait and then you’ve got to consider if there is a problem you will have to send it back to Hong Kong (costing easily £6+), so you might save a few quid by doing it but long term it’s not worth the hassle/risk + it’s always good to help a UK business.Also be extremely careful as there are some dodgy UK sellers out there who aren’t authorised to sell the cameras, so any warranty issues you will have to wait for it to go back to Hong Kong.Posted by 10 ways to have more money as a student, without working. on Sunday, 26 October 2014
What else do I need?
► Ensure you buy a Class 10+ memory card from a reputable company, don’t buy cheap ones from eBay/markets etc, they’re crap and not worth the risk. We normally buy memory cards from http://10ws.co/1bUXyyQ or http://amzn.to/StUXZm
► Ensure you’ve got the correct mounts to connect to your car + things like an extension cable for the charging cable might be a good buy so you can route it around your windscreen out of sight.
What about using a mobile phone to record?
Great in principle, especially if you’ve got an old device lying around however be warned, accidentally leaving this on display in your car really is asking for trouble + you will have to remember to setup/switch on everytime you get in your car (unlike the devices above which turn on, start recording everytime you switch your engine on).
A Beginners Guide to Dashcams:
Hope this helps and hope you never have to use it. Love 10ways8 comments