OUTsurance Dashcam Discount: The Honest Picture
OUTsurance is a direct insurer best known for the OUTbonus - cash paid back to claim-free clients - so on this brand a dashcam's value is easiest to read against that model: fewer contested, drawn-out claims means a cleaner record and a protected bonus.
Here: why OUTsurance prices a tracker but not a camera, how footage flows through its direct claims line, and where the saving really sits.
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Get my quotesTracker is rated, camera is not
OUTsurance discounts an approved tracker because it cuts a priced risk - theft. A dashcam cuts disputed liability, which is not rated line by line, so there is no advertised camera discount on the quote.
The camera still earns its keep; it just does so through claim outcomes rather than a published number.
Footage on a direct claims line
As a direct insurer, OUTsurance handles claims through its own call centre and app rather than a broker. Lodge the claim and supply the clip through the app or by the channel the consultant directs, and it joins the claim file.
Keep the original recording; a re-sent, compressed copy can lose the detail that settles a dispute.
Footage, fault and the OUTbonus
A not-at-fault result that footage secures protects both your excess and the claim-free standing behind any OUTbonus. Video that ends a contested claim quickly keeps your record clean as well as your pocket.
That protected standing is part of the camera's return on an OUTsurance policy, alongside the recovered excess itself.
Declare the camera
Mention the dashcam to OUTsurance at inception, even without a form field, so it is on record. A declared device is uncomplicated; an undeclared one invites questions when you claim.
A quick note now saves a debate later.
Pair it with the approved tracker
The tracker meets OUTsurance's security condition and earns the premium discount; the dashcam works liability. Separate jobs, additive value.
Run both: the tracker for theft and the discount, the camera to protect the claim and the bonus that rides on it.
Frequently asked questions
Does OUTsurance offer a dashcam discount?
No flat discount - it prices an approved tracker, not a camera. The dashcam saves through recovered excesses, faster claims and a protected claim-free record.
How do I send OUTsurance dashcam footage?
Through the app or the channel the claims consultant directs, so it joins the claim file. Keep the original, uncompressed recording as evidence.
Does a dashcam help protect my OUTbonus?
Indirectly, yes. Footage that secures a not-at-fault outcome keeps your record clean, which protects the claim-free standing behind the OUTbonus.
Should I tell OUTsurance about my dashcam?
Yes - declare it at inception so it is on record. A declared device is simple; an undeclared one invites questions at claim stage.
Can I run a dashcam and a tracker on OUTsurance cover?
Yes. The tracker satisfies the security condition and earns the discount; the dashcam evidences liability. They stack rather than overlap.
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