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Adrian Flux - Now Offering Customers 15% discount when
they install A Blackvue DR400G HD in there Vehicle purchased from TTW Partners LTD (21/6/12)

Here at Incar Camera Systems (TTW) have been working very hard trying to get insurance discounts for some of our Vehicle CCTV systems. Adrian Flux insurance, have now agreed, to add the Blackvue DR400G HD on there list of vehicle In Car Camera Systems and are now able to offer any aged driver, any car type a 15% discount off there car insurance policy, if bought from TTW Partners LTD. Ask us for more info.

Cameras Cut Car Insurance Fraud

A taxi firm owner in Hull has been told to install cameras in all of his cars to cut down on fraudulent whiplash claims. As a consequence of accidents both 'honest' and crooked' the premiums for his cab fleet have risen by 70%. In one case, his insurer paid out £10,000 compensation following an accident that caused £100 worth of damage to the car.

Whilst the government continue to talk about the problem of car insurance fraud, at least one company is taking steps of their own by offering discounts to motorists who fit an in-car camera that will record the moments leading up to an accident. For once, this is actually a good idea – especially if it ultimately helps to bring down the cost of premiums.

From this summer, motorists who volunteer to fit a camera will be offered discounts of up to 15% which could be a lot of money, especially to young drivers. There being no such thing as a free lunch, the customer is going to have to foot the bill – thought to be around £200 for the kit.

The miniature camera fits behind the rear view mirror and shoots footage of the road ahead as well as the time, date, location and speed, which it automatically saves when if it detects an accident has occurred. The resulting HD-quality movie can then be reviewed by claims assessors to determine what happened and who was at fault.

The plan is that the camera will help to resolve fraudulent cash-for-crash scams where, for example, a car full of passengers accelerates onto a roundabout before braking sharply thus making the poor innocent soul in the car behind crash into the back of the crook's car, albeit at a low speed. Serious injury is avoided but the occupants of the first car will all make whiplash claims; the average payout for which is well over £2000 according to the Association of British Insurers.

The camera scheme comes after a 'summit' chaired by Justine Greening, the Transport Secretary, which 'called for' more to be done to crack down on whiplash claims, something for which motorists have been clamouring for years. Among the recommendations discussed was the setting up of independent panels of doctors to assess whiplash injuries and the introduction of a minimum speed below which such claims would be unlikely to succeed. We'll see if this becomes a reality.

It would seem that the initial outlay is a small price to pay as a driver needs to buy the equipment only once but could reap the rewards of lower premiums in the long term.

see the original article here


In-Car Cameras Could Cut Car Insurance Costs

The cost of car insurance has reportedly risen by 12% per year and the main reason for this rise is the increased number of fraudulent claims made by unscrupulous individuals. This has resulted in an increased difficulty of getting cheap car insurance, especially for young drivers with limited experience. But, getting an in-car camera installed could cut premiums down by 35%.

Max Curtis-Donnelly, a young driver, saved over 20% on his insurance premium by fitting a camera in his vehicle.

The in car camera records and preserves data about each car journey made by the driver. This video recording can then be used to demonstrate how the vehicle is being driver by the user. This will help establish liability early and reduce claims cost, hence lowering the cost of insurance premiums.

Len Hope from mycamerawitness said, "Insurance fraud is now becoming a major issue in the UK, and tactics such as staged accidents are driving up insurance premiums. Action needs to be taken now. The camera will help protect drivers against fraudsters and the millions that they cost legal drivers each year."

The in car camera can be used by young or inexperienced drivers to prove to insurance companies that they are safe drivers. Some car insurance companies agree to reduce the cost of their premiums if the driver in question agrees to install and use in an in car camera.

Mycarwitness system can be fitted unobtrusively to almost any vehicle and it records the vehicles journey, capturing any event involving other drivers. The device could also be fitted with a tracker. In the event a car is stolen, the device ensures that it is easily located. This helps recover the car and protects a driver's no-claims bonus.

see the original article here


Cameras trialled in cars to help cut insurance for young

oung drivers are being given a new way of cutting the cost of car insurance.
A 15% discount, worth hundreds of pounds in many cases, is being offered to motorists under 25 years old willing to fit cameras inside their cars.

The insurance industry says it will help cut fraud and make it easier to prove exactly what happened if a car is involved in a crash.

I pay around £2,500 every year, it's ridiculous
Mike Bruce

But critics say insuring under-25s is still too expensive and the industry needs to do more.
Mike Bruce, 22, runs his own company and drives hundreds of miles around Dorset in his car every week.
Despite having a clean licence and no claims it still costs him thousands of pounds to get insured.
"I pay around £2,500 every year," he said. "It's ridiculous.

"If you think about it I've spent £5,000 over the past two years and have got nothing to show for it."
'A lot of money'

The idea of putting cameras in cars is not new and they are often used in lorries and emergency vehicles.
But now a deal has been done with an insurance broker to give younger motorists 15% off if they fit the cameras in their cars.

The insurance company camera can fit in the palm of your hand
"It's a tiny HD camcorder," he said. "[It] fits in the palm of your hand, attaches to the windscreen or the dashboard and away you go.

"Embedded on the footage you've got your three g-force readings - so your natural, vertical and horizontal.
"You've got which recording mode it's in. It tells you if the microphone is on or off and gives you the date and time as well."

Mike tried the camera out in his car.
"The camera is a lot of money, it's £250," he said.
"It only faces forwards so what happens if someone crashes into the side of me or into the back of me?
"It won't record that footage.

"But it does fit in the car quite nicely and looks small and fairly discreet."
Despite the price tag, Mike says it would save him money in the long-term so he would be willing to give it a try.

Bogus claims
Graham Trudgill, who works for the British Insurance Brokers Association (Biba) says cameras in cars would help stop so-called "cash for crash" claims.
That could help bring prices down.

Kieran Thomas explains how the in-car camera works
"They (cameras in cars) can prove that that young driver is a better driver.
"They can help cut out problems with fraudulent claims and therefore they should warrant a cheaper premium.

Critics say the insurance industry still isn't doing enough to cut prices.
Edmund King from the AA says premiums for younger drivers have gone up 39% in the last two years.

"Car insurance is just so incredibly expensive that many of them can't afford to get on the road,
" he said.

"So really a lot more needs to be done."

see the original article here


Whitehall Summit On Cutting Whiplash Claims
Reforms to stop false whiplash claims pushing up insurance premiums are to be discussed by ministers today.
The Transport Secretary Justine Greening will chair a Whitehall summit looking at ways to reverse the "compensation culture".
In the last five years, road traffic accidents have decreased by 23% but claims have increased by 70%, according to the Department for Transport.
Justice Minister Jonathan Djanogly said: "We're hearing reports of people slamming on the brakes in the middle of a roundabout to ensure that people go into the back of them.

Britain Whiplash Capital Of Europe
:: Britons make 1,500 claims for whiplash every day
:: Claims have increased by 70% in five years
:: False claims add around £90 to insurance premiums
:: They cost insurance firms around £2bn a year

"We're seeing people piling into cars and then orchestrating accidents but we're working with the insurance industry to ensure that more aggressive action is taken against fraudulent claims."

The action is likely to include independent panels of doctors to tackle "questionable" medical evidence.
The medical experts, who would have no direct links to either claimants or defendants, would replace the current assessment of whiplash injuries by either GPs or doctors employed by medical reporting organisations.

Doctors can currently receive a fee of up to £195 to process these claims and some have a regular client base of solicitors.

However, the root of the problem is that whiplash is tough to disprove.
Spinal surgeon John O'Dowd said: "It's very difficult for the doctor in isolation to say if the whiplash is fraudulent or not.

"Generally down the line we only pick it up when we see (covert) video footage of our patients who are claiming they are very disabled, but are clearly functioning normally on the video."
Britain is now the whiplash capital of Europe, with 1,500 claims made every day.
False compensation claims cost insurance firms around £2bn a year which adds £90 a year to the average premium.

Other measures to be considered at the summit include:
:: claims from cars travelling under 10mph to be stopped;
:: no-win, no-fee rules to be changed;
:: referral fees paid by lawyers to take on personal injury cases banned;
:: ensuring it is not cheaper for insurers to settle a spurious claim out of court rather than to take on personal injury firms.

see the original article here