I cannot understand why anyone would not want one.
For £50 or so it can be discreetly recording away and can be used if you are ever in an accident to back up your version of events.
Police now are always looking for cctv evidence for crimes, I am pretty sure insurance companies will default to 50/50 unless there is video evidence to the contrary very soon.
Red the OP, a strange requirement. All it takes is for the cable to the cig lighter socket to pop out and it won’t record. Would that mean your insurance is invalidated?
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dash cam query 
dash cam query 