Cams no mail

It ruled all that out, and entirely proved my innocence.'Better still, when it came to dealing with the normally time-consuming and frustrating business of making an insurance claim, the footage was equally useful as it comprehensively proved the Astra driver was at fault.

Those of us unlucky enough to have spent weeks, if not months, wrangling with insurance companies in the wake of an accident will look upon Mr Pettifor's experience with an envious eye.

That's a huge difference, and we can pass on the savings to our customers by offering discounted policies.'Such cameras clearly also save the police an enormous amount of time, and make it easier to track down drivers who have left the scene of an accident.

That's what happened to Hemang Sheth who, in November, was knocked off his motorcycle at a roundabout at Canary Wharf in London, by a driver who then sped off.

The camera instantly showed the police that he was not to blame, and Mr Doyle says the camera has another benefit.

He explains: 'Having a dash cam makes me a lot more considerate and cautious.

In 2015, the last year on record, sales increased by a massive 395 per cent, making dash cams the fastest growing category in consumer electronics.With a normal claim, it can take us about eight to 12 weeks to exchange details with the other insurer, and to agree liability.If we have dash-cam footage, we can turn the whole thing around in about 72 hours.The thinking is that if you're involved in an accident that is not your fault, the dash cam makes it easier for your insurer to prove that, and not to have to agree to a fifty-fifty split with the other insurer.An AXA spokesman said: 'If a claim is settled on a 'non-fault' basis, your no claims discount is unaffected and your insurer can usually recover your policy excess – this could you save hundreds of pounds.'The group's underwriting director, Gary Humphreys, said: 'Dash cams save us a huge amount of time.When police arrived, Mr Pettifor gave his side of the story.As with any accident, the officers had to keep an open mind as to whose fault it had been.Typically, these more complex dash cams are connected to a vehicle's electricity supply via the fusebox, while the simpler versions are powered through a cable that runs to the 12-volt socket. The cheapest models can be as little as £30, with the priciest running to some £300.However, it is not necessary to spend much more than about £150.★★★Yet while there are plenty of motorists who are convinced dash cams really do make life easier in the event of an accident, others believe they are the thin end of a disturbing wedge, in which insurance companies and law-enforcement agencies will be able to gather and collect data about yet another aspect of our private lives.A dash cam is a small camera in a unit fixed to the dashboard or windscreen that records the road ahead.

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