Technology offering hope for Northern Ireland insurance premiums

22 Nov 2019

Hope may be on the horizon for motorists with recording technologies expected to bring costs tumbling down over the next few years according to BLM a leading insurance, risk and commercial law specialist.

Northern Ireland remains the most expensive place in the UK for car insurance though Associate in BLM’s Belfast office, Elaine Kennedy has said technology looks likely to change that. “Northern Ireland has been uniquely consistent in its position as the most expensive place for insurance premiums and fraud is the most significant of factors in explaining this trend. Though often viewed as victimless, fraudulent and exaggerated car insurance claims have driven up the price of insurance for everyone in Northern Ireland. Despite this, one notable change in recent years has been the introduction of dash cam technology and its increasing prevalence in successfully detecting fraud when brought to court.”

Responding to this development there are now several well-known UK, including NI, insurance firms who are now offering discount to drivers who choose to install a dash cam so it should be no surprise that sales have increased by 600% over the past three years, according to data from consumer analyst GfK. A study of 2,134 UK motorists carried out by Aviva insurance found that almost one in five of drivers currently use a dash-cam, while a further 84% expect to install the product in their cars within the next year.

Recently BLM challenged a case involving a pedestrian and car incident which resulted in the plaintiff alleging personal injury, loss and damage having been struck by the defendant’s vehicle whilst crossing the road. The defendant on this occasion relied on  dash cam footage and submitted that this showed that he would not have had adequate opportunity to break and avoid hitting the plaintiff who had run out in front of his car. The judge dismissed the plaintiff’s case.

Peter Campbell, Partner in BLM’s Belfast office said: “BLM have been involved in numerous cases that demonstrate the vital role that evidence collected from dash cams can have and as fraud continues to diversify into new areas, it’s essential for us to have a broad skill set within the team and respond to the needs of our clients.”

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Disclaimer: This document does not present a complete or comprehensive statement of the law, nor does it constitute legal advice. It is intended only to highlight issues that may be of interest to customers of BLM. Specialist legal advice should always be sought in any particular case.

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