Yes, it’s possible to get a vehicle insurance discount for using a backup camera in Ontario. While not all insurance companies offer this type of discount, some providers may offer discounts for vehicles equipped with backup cameras as they can help reduce the risk of accidents, particularly those caused by reversing.
To find out if your insurance provider offers a discount for backup cameras, you should contact them directly and ask about the available discounts. If your insurance company does offer this discount, you may need to provide proof that your vehicle has a backup camera installed, such as the vehicle’s registration or a photo of the camera.
It’s worth noting that even if your insurance company doesn’t offer a discount specifically for backup cameras, they may offer discounts for other safety features that your vehicle may have, such as anti-lock brakes, electronic stability control, or blind spot monitoring.
What is a Back-Up Camera?
A backup camera, also known as a reversing camera or rearview camera, is a safety feature that is designed to help drivers see what is behind their vehicle while reversing. The camera is typically mounted on the rear of the vehicle, often in the license plate frame or above the trunk, and provides a live video feed of the area behind the vehicle to a monitor or display located inside the vehicle.
When the driver shifts the vehicle into reverse gear, the camera is activated and the video feed appears on the screen, allowing the driver to see obstacles, pedestrians, or other vehicles that may be in the blind spot. Backup cameras are especially useful in larger vehicles or in situations where visibility is limited, such as in crowded parking lots, driveways, or tight spaces.
Many modern vehicles come equipped with backup cameras as standard equipment, and it’s also possible to purchase aftermarket backup cameras that can be installed on older or less-equipped vehicles. Backup cameras are considered an important safety feature and are becoming increasingly common on all types of vehicles.
Will Insurance Companies Give Discount s for Backup Camera Usage?
Some insurance companies in Ontario may offer discounts for vehicles equipped with backup cameras, as they are considered a safety feature that can help reduce the risk of accidents while reversing. However, the specific amount of discount can vary depending on the insurance company and the specific policy.
Typically, the amount of the discount for backup cameras may range from 2% to 10% off the collision or comprehensive portion of the insurance premium, depending on the insurance company’s policies. The discount may also depend on other factors such as the age of the driver, driving record, and the type of vehicle.
To find out if your insurance provider offers a discount for backup cameras and how much you can save, you should contact your insurance company and ask about the available discounts. You may need to provide proof that your vehicle has a backup camera installed, such as the vehicle’s registration or a photo of the camera.
Should You Tell Your Insurance Company You Use a Backup Camera?
Yes, it is recommended to inform your insurance company if your vehicle has a backup camera installed. This is because backup cameras are considered a safety feature and may qualify you for a discount on your insurance premium. Failing to inform your insurance company of any safety features on your vehicle could result in missed discounts and higher insurance premiums.
Furthermore, some insurance companies may require proof that your vehicle has a backup camera installed before they can apply the discount. You may need to provide documentation such as the vehicle’s registration or a photo of the camera.
Are Back Up Cameras Mandatory?
In Ontario, backup cameras are not mandatory for all vehicles. However, since May 2018, Transport Canada has required all new vehicles with a gross vehicle weight rating (GVWR) of 4,536 kilograms or less to be equipped with a backup camera. This requirement applies to all new passenger cars, SUVs, trucks, and vans sold or imported into Canada.
The requirement for backup cameras is part of Transport Canada’s efforts to improve safety on Canadian roads and reduce the number of accidents caused by reversing. Backup cameras can help drivers see what is behind their vehicle, which can be especially useful in situations where visibility is limited, such as in crowded parking lots or driveways.
While backup cameras are not mandatory for all vehicles, they are considered an important safety feature and many automakers have been installing them as standard equipment on new vehicles. Additionally, as mentioned earlier, some insurance companies in Ontario may offer discounts for vehicles equipped with backup cameras.
Could a Backup Camera Help You with Your Insurance Indirectly?
Yes, a backup camera could indirectly help you with your insurance by reducing the likelihood of accidents and damage to your vehicle. With a backup camera, you can see what is behind your vehicle while reversing, which can help you avoid collisions with other vehicles, pedestrians, or stationary objects such as poles or walls. This can reduce the frequency and severity of accidents, which in turn can help you maintain a clean driving record and avoid making insurance claims.
In addition, some insurance companies in Ontario may offer discounts for vehicles equipped with backup cameras, as they are considered a safety feature that can help reduce the risk of accidents while reversing. By informing your insurance company that your vehicle has a backup camera, you may be eligible for a discount on your insurance premium, which can help you save money on your policy.
Overall, having a backup camera can help improve your driving safety and potentially lower your insurance costs, making it a worthwhile investment for many drivers.
About the Author: Ashley Miller
