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Do Driving Records Affect Motor Insurance Premiums?

By Vikas Chandra Das
11 October 2022, 2:42 PM

An individual's driving record consists of their driving history. Driver's record includes all information such as name, driver's licence number; fines received/challans received, traffic violations, and accidents. Furthermore, your driving record reflects how you drive. Clean driving records indicate you follow traffic laws and rules while driving.

It is beneficial to have a clean driving history since it is a perfect representation of your driving habits. As a result, your driving licence will not be black-marked with a stellar driving record. In addition, it is good to have a clean driving record when purchasing bike insurance and when filing insurance claims.

Many factors will determine your insurance premium for your bike or two-wheeler. Your driving record is directly proportional to the amount you pay for your two-wheeler insurance. Your past driving history plays a significant role in the premiums an insurance company will charge based on the risk they impose.

Let us look at the role of driving records on two-wheeler insurance.

What Effect Does a Driver's Record Have on Bike Insurance Rates?

A driver's record determines the two-wheeler vehicle insurance premium. You can be charged a higher bike insurance premium if your driving history is poor. Insurance companies can review your driving history to determine the risk of insuring your vehicle. Therefore, keeping a clean driving record is beneficial for reducing bike insurance costs and helpful when filing a claim. In addition, the price of your two-wheeler insurance policy is even more competitive if you purchase it online.

Similarly, the insurance regulator of India, the Insurance Regulatory and Development Authority of India, promotes responsible driving behaviour. In this article, we will also shed light on the suggestions made by the insurance regulator regarding factors played by driving records in bike insurance.

Factors Affecting Driving Record

Driving records are affected by several factors, including -

  • Challans for Traffic Violations

You're recorded as a traffic violator when you get a challan. Overspeeding, signal jumping and other violations of traffic laws can negatively affect your driving record. You must respect the traffic and safety rules and regulations.

  • A Vehicle Accident

Your driving licence will be black-marked when you are responsible for an accident. The consequences of an accident indicate a poor driving record because of irresponsible behaviour.

  • Failure to Pay Fines/Challans on Time

You may also have problems with your driving record if you do not pay your fines/challans on time. If the traffic police provide you with a due date, you should generally pay the fine within that date. The penalties for failing to do so could be even higher, and your driving record may also be damaged.

  • Driving Dangerously

Your driving record can be affected if you drive dangerously on the road. Fellow road users will likely report you to the police if you drive irresponsibly or recklessly. Your driving record will also be damaged if you are found guilty, as well as you will be penalised for dangerous driving.

  • Claims on Your Motor Insurance

Too many claims on your two-wheeler insurance will also harm your driving record. It translates to unsafe driving behaviour when too many claims exist on the two-wheeler. Moreover, making claims will result in a loss of your no-claim bonus during renewal.

  • Intoxicated Driving

A black mark on your driving record can result from driving under the influence of alcohol or other intoxicating substances. Taking part in reckless driving can lead to severe penalties and a ruined driving record.


What is the Purpose of a Company Using My Driving Record?

The bike insurance company can check your driving history whenever you buy or renew your bike insurance policy. Bike insurance companies can obtain information on your driver's licence history, including traffic violations, accidents, driving under the influence, and challans. Several factors can affect two-wheeler insurance premiums, including traffic violations, driving under the influence, and at-fault accidents.

What does the insurer check about your driving history? It all boils down to gauging the risk factor. The insurer determines your risk as a customer based on your driving record. An insurance company's analysis of your driving record will determine how frequently claims will be paid.

For instance, an insurance company considers a driver with a clean driving record to be a safe driver. Therefore, having a clean driving record reduces your risk factor, reducing your insurance premiums. However, as a result, an insurer will raise the premium if a person has multiple traffic challans for overspeeding and accidents.


The main lesson is that your bike insurance policy will be more expensive with more accidents or traffic violations. As a result, your insurance company would view you as a risky client, resulting in increased premiums.

However, a clean driving record and no accidents on your record would be considered positively by the insurance company, and you would probably be given a lower premium.

Read more - Will the Value of Your Car Affect Insurance Premiums?


1. What are the factors affecting premiums in motor insurance?

Your premium amount is influenced by your vehicle's IDV, engine capacity, purpose, and geographical location. The premium increases if any add-on is selected. Motor insurance premiums are an essential factor to consider.

2. Which ones had the most significant impact on your auto insurance premium?

Your driving record is decisive in determining your auto insurance rates. Your rates will be high if you have a poor history of accidents, driving violations, and past claims.

3. Which of the following could cause your premiums to increase?

Auto insurance premiums can be influenced by several factors, including: -vehicle value: the higher the car's worth, the higher the premium. There is a correlation between a vehicle's repair record and its premium: the more easily a car can be repaired, the lower the premium. Younger drivers are more likely to pay higher premiums because they do not have as much experience as older drivers.

4. Which of these drivers is most likely to pay a high insurance rate?

It is more likely for young male drivers between the ages of 16 and 25 to be involved in an accident, so insurance premiums are higher. In addition, automobile insurance will be available at a higher price to drivers deemed "high risk."

5. How much does car insurance go down after one year of no claims?

Insurers offer different no-claims discounts, but a typical example might be: a 30% discount after one claim-free year. After two years, there is a 40% discount.


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