In recent years, the use of so-called dash cameras has also increased in Germany, so the need for suitable insurance products is increasing. Now there is a reaction from Nextbase in cooperation with the insurance group “Die Bayrische”, who are jointly introducing a first vehicle insurance policy for German drivers with dashcam. The new policy is available at […]
In recent years, the use of so-called dash cameras has also increased in Germany, so the need for suitable insurance products is increasing. Now there is a reaction from Nextbase in cooperation with the insurance group “Die Bayrische”, who are jointly introducing a first vehicle insurance policy for German drivers with dashcam. The new policy will be available from October 1, 2019 and offers attractive discounts.
New and existing Bayerische customers receive a 15 percent discount on their car insurance if they can prove they have a dashcam. Additionally, Bayerische customers receive a five percent discount when purchasing a Nextbase dash cam from MediaMarkt’s exclusive partners Saturn Germany (Media Markt and Saturn) and ATU.
Of course, this doesn’t remind us of health insurance companies that offer customers discounts and other benefits with activity trackers. But above all, insurance companies are interested, of course, in user data, which can be evaluated and incorporated into future products.
The mere installation of a dash cam can already have a positive effect on the individual’s driving behavior, as their own driving style is also recorded. In addition to avoiding risks through more conscious driving, quick clarification of accident events is a decisive argument for using a dash camera. It helps you clarify the issue of fault, can prevent fraud attempts, and saves time and money on lengthy procedures. The no-claims discount is also critical, because if the issue of fault remains unresolved, in most cases both parties lose their discount.
Other benefits of dash cam insurance have already been proven abroad: “Insurance company Sure Thing, for example, was able to cut average claims processing time by 58 percent with dash cam images and prove innocence in 37 percent of split liability claims ”.
The ruling of the Federal Court of Justice (BGH) of May 2018 made dashboard cameras admissible to a certain extent in Germany and could be used as evidence in court. However, permanent recordings without cause are not allowed and violate the German Data Protection Act. The court ruling allows short recordings related to events that document the course of traffic accidents and can help clarify the issue of culpability in court proceedings. However, random and unreasonable image files from other road users are not allowed. Here, as before, data protection prevails.
Therefore, loop recording is an indispensable part of a dash cam. The function continuously overwrites the recordings made and only saves them in the event of an accident using a shock and motion sensor (G-sensor) or manual activation of a button.