Dash cam insurance claim data is still more limited than general dash cam market data, and much of the clearest published evidence comes from the UK. Even so, the pattern is consistent: recorded footage helps resolve disputed claims, supports fraud detection, and reduces ambiguity around fault.
dash cam insurance claims statistics
Below are the most useful dash cam insurance claims statistics available right now, along with what they say about claim resolution, fraud pressure, and the wider motor insurance environment.
Key dash cam insurance claims statistics
75% of drivers involved in an accident in Halfords’ 2019 poll said they were able to resolve an insurance claim by submitting dash cam footage.
£1,398.74 was the average repair cost those drivers estimated they would have faced without that footage.
35% of dash cam owners in the same Halfords poll said they had been involved in a driving incident while their camera was in use.
30% said they had submitted dash cam footage to the police.
20% of motorists who had made a car insurance claim in the previous two years said they owned a dash cam in Which?’s 2019 survey.
18% of those dash cam owners said they had used footage as evidence in a claim.
27% of claimants in a later Which? car insurance survey said dash cam evidence helped confirm the details of events in their claim.
170,000 out of 2.7 million analyzed motor insurance claims were identified by the Insurance Fraud Bureau as potentially linked to suspected “crash for cash” networks, equal to about 6.30% of the sample.
33,531 dangerous-driving video submissions were sent through the UK’s National Dash Cam Safety Portal in 2023, and 70% of them resulted in police action.
61% was the rise in opportunistic insurance fraud cases reported by the City of London Police from March 2022 to April 2023 versus the previous period.
51% of opportunistic fraud cases referred to IFED in that period involved motor insurance.
£11.9 billion was paid out across 2.5 million motor insurance claims in 2025.
£7.5 billion, or 63% of 2025 payouts, came from vehicle damage claims such as third-party damage, accidental damage, and windscreen repairs.
£3.2 billion was paid out in motor claims in Q1 2025 alone, the highest quarterly payout since ABI records began in 2013.
Claim resolution statistics
The strongest direct evidence is still claim-resolution evidence. Halfords’ survey found that three in four drivers who had an accident while using a dash cam said the footage helped them resolve the claim. Which?’s research supports the same idea from a different angle: dash cam ownership among claimants was meaningful, and a notable share of owners had already used footage in a claim.
Label
Bar
Value
Resolved claim with footage
75%
Dash cam owners in an incident
35%
Submitted footage to police
30%
Claim details confirmed
27%
Claimants owning a dash cam
20%
Used footage as claim evidence
18%
Max = 75. Widths: Resolved claim with footage 100.00%, Dash cam owners in an incident 46.67%, Submitted footage to police 40.00%, Claim details confirmed 36.00%, Claimants owning a dash cam 26.67%, Used footage as claim evidence 24.00%
Fraud and disputed claims statistics
Dash cams matter most when fault is disputed or when a claim is suspicious. The Insurance Fraud Bureau’s analysis shows that suspected “crash for cash” activity is not a fringe issue, while police and fraud-unit figures show continued pressure from opportunistic fraud. Dash cam footage does not eliminate fraud, but it can sharply improve the quality of evidence available at the first stage of a dispute.
Label
Bar
Value
Police action after video submission
70%
Rise in opportunistic fraud cases
61%
Motor insurance share of opportunistic fraud
51%
Suspected crash-for-cash share of claims
6.30%
Max = 70. Widths: Police action after video submission 100.00%, Rise in opportunistic fraud cases 87.14%, Motor insurance share of opportunistic fraud 72.86%, Suspected crash-for-cash share of claims 9.00%
These percentages come from different datasets, so they should be read as directional indicators rather than as components of one total. Together, they show that claims disputes sit inside a larger ecosystem of fraud prevention and enforcement where objective video evidence has become more valuable.
Motor insurance payout statistics
Dash cam footage is only one part of the claims picture. The broader claims environment matters because the cost of repairs, replacement vehicles, theft, and more complex cars has pushed motor claim costs higher. That makes any evidence that speeds up liability decisions more valuable to both insurers and policyholders.
Label
Bar
Value
Total 2025 motor claims paid
£11.9bn
2025 vehicle damage payouts
£7.5bn
Q1 2025 claims payout
£3.2bn
Q4 2025 claims payout
£2.9bn
Max = 11.9. Widths: Total 2025 motor claims paid 100.00%, 2025 vehicle damage payouts 63.03%, Q1 2025 claims payout 26.89%, Q4 2025 claims payout 24.37%
What these statistics mean
The practical takeaway is simple. Dash cams are most valuable when a claim depends on proving what actually happened. The strongest direct numbers show they help resolve disputes, while the broader fraud and payout data shows why that matters more than ever. As motor claim costs rise, fast and credible evidence becomes more important because it can reduce delays, challenge fraudulent narratives, and protect drivers from being incorrectly assigned fault.
The other important point is that claim-specific dash cam research is still fragmented. There is plenty of anecdotal support from insurers and road-safety organizations, but high-quality public datasets remain limited. That means the best available statistics are useful, but they should be interpreted carefully and with attention to date, geography, and sample size.
Sources
Halfords Group plc, “Dash cam use helps three quarters of motorists involved in a dispute resolve insurance claims” https://www.halfordscompany.com/news-and-media/press-releases/motoring-news/dash-cam-use-helps-three-quarters-of-motorists-involved-in-a-dispute-resolve-insurance-claims/
Which?, “Dash cams are helping drivers save money in insurance claims” https://www.which.co.uk/news/article/dash-cams-are-helping-drivers-save-money-in-insurance-claims-aL1iZ2d7yxJt
Which?, “Dubious car insurance claim payouts contributing to higher premiums for some honest motorists” https://www.which.co.uk/policy-and-insight/article/dubious-car-insurance-claim-payouts-contributing-to-higher-premiums-for-some-honest-motorists-which-warns-aaB0F2k2v1Cs
Insurance Fraud Bureau, “The UK’s top 30 ‘Crash for Cash’ scam hotspots revealed” https://www.insurancefraudbureau.org/media-centre/ifb-news/2021/the-uks-top-30-crash-for-cash-scam-hotspots-revealed
RAC Drive, “More than 33,000 dangerous driving videos sent to police in 2023” https://www.rac.co.uk/drive/news/motoring-news/more-than-33000-dangerous-driving-videos-sent-to-police-in-2023/
City of London Police, “Police warn of rise in bogus insurance claims as people turn to fraud amid cost of living pressures” https://www.cityoflondon.police.uk/news/city-of-london/news/2023/june/police-warn-of-rise-in-bogus-insurance-claims-as-people-turn-to-fraud-amid-cost-of-living-pressures2/
Association of British Insurers, “£11.9 billion paid out in 2025 to support motorists across 2.5 million claims” https://www.abi.org.uk/news/news-articles/2026/2/11.9-billion-paid-out-in-2025-to-support-motorists-across-2.5-million-claims/
Association of British Insurers, “Quarterly motor claims hit record high” https://www.abi.org.uk/news/news-articles/2025/5/quarterly-motor-claims-hit-record-high/
Financial Conduct Authority, “Premium hikes driven by claims costs, but insurers told to improve claims handling” https://www.fca.org.uk/news/press-releases/premium-hikes-driven-claims-costs-insurers-told-improve-claims-handling
