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Globally, it is estimated that the market for them will triple to some £4.5 billion a year by 2022.Kehan K300: £79.99 With medium video quality, the best thing about the relatively cheap K300 is that it offers a second camera that can film through your rear windscreen – invaluable if someone smashes into the back of you.But in this instance they were armed with a powerful piece of evidence that showed exactly where the blame lay – video footage from Mr Pettifor's dashboard camera, or 'dash cam'.'The police saw it right there and then and they instantly knew it was not my fault,' says Mr Pettifor.'It showed that I hadn't been speeding or driving badly.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.Images are saved on an internal memory card – a budget model with a 32GB card will film a four-hour trip.

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.You drive more defensively, because you also know that you can be judged on your driving.'VISIONTRACK VT2000: £249 Offering a full HD camera and telematics, the VT2000 also features instant remote cloud upload and a built-in GPS receiver.This dash cam has to be wired into your car, at a cost of about £40.As well as quickly establishing fault, many dash-cam owners say the cameras make them better drivers.Among them is David Doyle, from Manchester, who was in his car when he was smashed into at a road junction by a driver who ran through a red light.

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With a normal claim, it can take us about eight to 12 weeks to exchange details with the other insurer, and to agree liability.

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