FBD 50e off car insurance if you use a dashcam

fuse

FBD offer 50e off car insurance if you use a dashcam.
Looks like there's plenty of <50e dashcams out there.

https://www.fbd.ie/car-insurance/dashcam-discount/
Conditions seem sound enough:

• Simply get your quote from FBD.ie or if you are an existing customer, wait for your renewal invite
• Then call us and let us know you have a dashcam before arranging payment - phone 01 7 617 617.
• You’ll need to give us details of your dashcam make and model. Please note we do not accept mobile phones or sports action cameras used as dashcams.
• You also need to be willing to make video evidence available to FBD if your car is ever involved in a claim.

The big question, what if you have an incident and the dashcam wasn't running?

bazz26

In their terms and conditions. The owner is responsible for ensuring the dash cam is properly installing, maintained and used within the manufacturer's guidelines.

https://www.fbd.ie/media/FBD/pdf/fbd-dashcam-terms-and-conditions.pdf

Doesn't mention what way they would handle the claim if the dash cam at the time wasn't presented. Legally they are obliged to pay out to a third party but potentially they could try and use the dash cam footage of your driving or indeed a lack of dash came footage to recover those loses from you. For the sake of just €50 I'd give this a miss.

TheDriver

This is up there With AIG app monitoring your driving, just not worth the bother

Fanny Wank

bazz26 wrote: »

potentially they could try and use the dash cam footage of your driving or indeed a lack of dash came footage to recover those loses from you

The chances of this happening are zero.

Eggs For Dinner

A dashcam is often the only way to prove what happened in an accident when it is one word against another. Regardless of the discount, it could save you a fortune in the long run. I'd urge everyone to get one

Mint Sauce

No, as would have still been €400 more than my current renewal.

Eggs For Dinner

OmegaGene wrote: »

i have one fitted and its a great job but i wouldnt be telling my insurance compay to save 50 notes, not worth the hassle but its there if i need it

Why would it work against you, unless you're driving in a way you shouldn't?

Eggs For Dinner

OmegaGene wrote: »

you never know, we all make mistakes and its easy to drift over the speed limit

If there weren't mistakes, accidents would never happen. This is not a driving app, it's a dashcam. Even if you are at fault, it allows your insurer settle quickly, keeping your claim cost down and thus reducing any impact on your premium. If it shows you are right, they will use it to defend you instead of coming to an economical solution

Mikenesson

I wouldn't touch it tbh

Could be tricky if you don't have the footage ,and
the footage could work against you if youre obliged to have it

Better to have it at your own discretion

ted1

There is also another 50 if you collect 1500 points using the face it down app

Metroid diorteM

Surveillance is fun until it’s not and we can’t get rid of it

Mikenesson

What's a dashcam worth to them?

And once you get the dashcam you're on the hook with the insurance cartel

They'll jack the premium up 50 to cover themselves

It'll be mandatory eventually anyhow

CeilingFly

Advantage of dashcam (rear facing) is that other motorists are less likely to tailgate you.

Eggs For Dinner

Well I've personal experience of how valuable they can be and if an insurer wants to give me €50 to do what I'm already doing, then let them

Sleeper12

Great excuse to buy a cam

fuse

I don't see how it'll work against you. I don't plan on having it running everytime one of us uses the car. Might fire it on for longer trips.
If an incident occurs and the insurance rep asks me if I have dashcam footage and I say "No, it wasn't on", I don't think that will affect the claim in any way.
It's a bonus for them if I produce video evidence and saves them extra work in arguing/proving the case.

I see it as a free dashcam for me. Subtract 50eur from my premium, buy a dash cam for upto 50eur.

Eggs For Dinner

OmegaGene wrote: »

It’s a fake discount
Premiums are raised to take this into account you will save more by moving insurance companies every year

That's just silly. If you do the market every year, like you say and find FBD is the cheapest, then they give you an extra €50 off for using a dashcam, where's the fakery? Obviously, their rates aren't going to suit everyone but if it leads to others offering similar, it can only be a good thing

If footage shows you are right or wrong, it cuts down costs and that can only benefit everyone, except the lawyers who love to prolong claims

fuse

OmegaGene wrote: »

It’s a fake discount
Premiums are raised to take this into account you will save more by moving insurance companies every year

Not at all, I'm in the process of moving from a crazy quote from my existing ensurer. I found this deal when I looked at FBD because they gave me the cheapest quote and now 50e less again.

fuse

OmegaGene wrote: »

€50 won’t get you a decent one

That's an opinion that a lot of people on here won't agree with. Lots of dashcams discussed here <50e with satisfied buyers.
They're pretty simple devices that have been around long enough for suppliers like yi & xiaomi to produce very cheap and efficient ones

oceanman

wouldn't touch it with a barge pole.

fuse

OmegaGene wrote: »

You are moving from one company to fbd so get a new policy discount
Wait until next year when the fbd renewal comes in
Each to there own I wouldn’t do it in case the dash cam goes against me for the sake of €50

Yep, and next year I move to whoever is cheapest.

Sounds like a trap!

Eggs For Dinner

Has anyone here had a claim go against them because their insurer couldn't PROVE what actually happened? This can only benefit consumers.

Eggs For Dinner

OmegaGene wrote:

If you are travelling 2kph over the limit and someone pulls out in front of you and you hit then how would you feel losing out on the claim ?

You wouldn't lose that case, given what you describe. Anyway, no skin off my nose if you don't think it's a good idea.

daveyjoe

OmegaGene wrote: »

If you are travelling 2kph over the limit and someone pulls out in front of you and you hit then how would you feel losing out on the claim ?
So many scenarios where a dash cam can hang you out to dry
If they don’t know then you have the option to provide the info or not

That's not how it works. The person who pulled out in front of you would be liable. It doesn't matter if the other person was driving above the speed limit. These scenarios are well established.

fuse

OmegaGene wrote: »

If you are travelling 2kph over the limit and someone pulls out in front of you and you hit then how would you feel losing out on the claim ?
So many scenarios where a dash cam can hang you out to dry
If they don’t know then you have the option to provide the info or not

But who's forcing you to present the dash cam footage? Just say it was off.

oceanman

oceanman wrote: »

wouldn't touch it with a barge pole.

I also have a spare 40 ft barge pole if anyone needs it?

bazz26

fuse wrote: »

But who's forcing you to present the dash cam footage? Just say it was off.

But if you accept a discount for a dash cam then you have to adhere to the terms and conditions of that discount.

As stated already in their T&C:
You are responsible for ensuring your dashcam is properly installed, used and maintained in line with legal requirements and manufacturer guidelines and that it is working correctly over the course of your insurance policy.

Not following the T&C just gives the insurance company a get out of jail card they can pursue if it's in their best interest to do so.

oceanman

i would say that in the next 5 years or so it will become law to have a working dashcam in your car at all times....that's the kind of screwed up world we live in now I'm afraid! but until it becomes law I wont be getting one.

Eggs For Dinner

oceanman wrote: »

i would say that in the next 5 years or so it will become law to have a working dashcam in your car at all times....that's the kind of screwed up world we live in now I'm afraid! but until it becomes law I wont be getting one.

If some dipstick meets you on a quiet road acting the maggot, crashing in to your car, you'll wish you had one to contradict the " independent " witness he'll produce.

Fann Linn

Eggs For Dinner wrote: »

If some dipstick meets you on a quiet road acting the maggot, crashing in to your car, you'll wish you had one to contradict the " independent " witness he'll produce.

I remember a time when claims did get settled before the advent of dash cams.

Eggs For Dinner

Fann Linn wrote: »

I remember a time when claims did get settled before the advent of dash cams.

They still do, not to everyone's satisfaction because they could not prove what actually happened.

Sleeper12

bazz26 wrote:

But if you accept a discount for a dash cam then you have to adhere to the terms and conditions of that discount.

That's the same on my home insurance policy. I don't claim the discount for having an alarm. If you forget to set it & you are broken into they don't pay out at all

Eggs For Dinner

Sleeper12 wrote:

That's the same on my home insurance policy. I don't claim the discount for having an alarm. If you forget to set it & you are broken into they don't pay out at all

Most insurers just increase the excess if your home is burgled and your alarm is not in operation

bk

Eggs For Dinner wrote: »

Most insurers just increase the excess if your home is burgled and your alarm is not in operation

The advice on the Home Security forum is to never put your alarm system on your home insurance. It just gives them an excuse not to pay out or to pay out less.

BTW if you put your alarm on the insurance, it not only has to be used at all times, but you also need to get it maintained once a year by a licensed alarm installer which is €€€ anyway. If you don't, it is again grounds for not paying out or paying out less. Just not worth it and most people don't realise this.

Of course have an alarm and have a dashcam, but never declare them, you are just making life harder for yourself.

Best bet for discounts is to simply move company once a year.

Eggs For Dinner

bk wrote: »

It just gives them an excuse not to pay out or to pay out less.
.

How is it an 'excuse', if you accept a reduced premium in turn for agreeing to keep an operational and maintained alarm?

AndrewJRenko

bk wrote: »

BTW if you put your alarm on the insurance, it not only has to be used at all times, but you also need to get it maintained once a year by a licensed alarm installer which is €€€ anyway. If you don't, it is again grounds for not paying out or paying out less. Just not worth it and most people don't realise this.

They usually ask if you have your alarm under a maintenance contract, so if you answer No, you get a lesser discount but you don't need to have a maintenance contract.

bk

Eggs For Dinner wrote: »

How is it an 'excuse', if you accept a reduced premium in turn for agreeing to keep an operational and maintained alarm?

Just because an alarm system is maintained once a year, doesn't mean it won't fail in between those maintenance windows.

But most importantly, in the real world, I see most people don't fully use their alarm. Non of the people I know use it when home during the day. Most only use it when out and some at night, but not all even then.

Now you might argue that it is their own fault for not "operating" it properly. But that is human nature, we all do silly things.

You save so little by adding an alarm system to your insurance, it really isn't worth it. Just shop around, you'll save money.

AndrewJRenko wrote: »

They usually ask if you have your alarm under a maintenance contract, so if you answer No, you get a lesser discount but you don't need to have a maintenance contract.

You still risk not paying out because you simply forget to turn it on. Best not to include any alarm at all.

BTW Just looking on FBD the options are:
- No alarm
- Standard Alarm
- Alarm Connected to Call Center

Reading theirs T&C's document it says:

In addition any alarms must be properly maintained and used correctly if we have allowed a discount on your premium for them or they are a condition of cover.

So it seems even the "Standard Alarm" options most be maintained and used.

123.ie has this to say:

https://www.123.ie/customer-care/before-you-insure/how-can-i-reduce-my-premium/will-an-alarm-system-reduce-annual-premium

You can get a discount for having an approved intruder alarm system installed in your home.

In order to be approved a burglar alarm must be installed by a company that is compliant with all regulations under both the Private Securities Agency and current European standards. The alarm itself must also comply with the current European standard.

Alarms which have not been installed by a regulated company are excluded.

If you notify us that you have an alarm, an alarm clause will automatically be put on your policy.

These include conditions that must be met at all times otherwise you may not be fully covered. You will need to check the endorsements section of your insurance schedule to see if an alarm clause has been applied.

How many people out their have old alarm systems, that might have been installed prior to the current PSA + European standards and don't get it regularly maintained by a PSA registered person and add it to their policy not realising it means they won't be fully covered!

Final point, the cost of yearly maintenance in most cases will be much higher then the reduction gives you. So it just doesn't make sense.

AndrewJRenko

bk wrote: »

You still risk not paying out because you simply forget to turn it on. .

How are they going to know whether you turned it on or not - for a non-monitored alarm?