If I used a phone to do this then the chances are I would forget just when I needed it, so was looking for a dedicated camera that's permanently fixed on the screen behind the rear view mirror, so out of sight and hard to see unless really looked for. This is just for the Lexus as not needed for my other car so no need to be swapped over at times, so should record on a loop as soon as its powered up, and stops when the ignition is turned off, not sure if there is a discount available from the insurance company, but at this moment that's not an issue as the is200 has saved me some money compared to my scooby when it comes to premiums, it was just the conversation I had when I was searching for cover that made me think it might be worthwhile should some scrote decide to try and fleece me.