that a hardwired dashcam is classed as a modification, whereas a dashcam plugged into a 12V socket is not[/highlight]. Anything to wriggle out of a claim I guess.
Yes, dickheads with dashcams should have to pay an excessively high premium. In the same way that dickhead cyclists with helmet cams should be allowed to be run over.
They encourage bad behaviour.
I agree with the cyclist part of your post.
As for the dashcam, I have it to record my impeccable driving standard.
I have never reported anyone and I’ve certainly never shouted whilst pointing at my dashcam “I’VE GOT A DASHCAM”.
Insurance wise, I’m guessing it would be double standards, where the insurance company would want to view the footage, find you NOT at fault but then argue over whether the dashcam was hardwired or just plugged in.