How Safe Riding Habits Can Lower Your Bike Insurance Premium in India

What is a Riding Record?

Your riding record, sometimes called a clean driving record or bike riding history, includes details such as:

• Traffic violations (like speeding or signal jumping)
• Traffic challans received
• Accident history
• Claims made on your two wheeler insurance
• Instances of negligent or risky riding behaviour

Insurers look at this record to judge your risk and set your policy price. If you have a clean record, you are seen as less likely to make expensive claims, so you may get lower premiums.

How Riding Behaviour Affects Bike Insurance Premiums?

1. Safe Riding Means Lower Premiums

   If you follow traffic rules, avoid risky riding, and do not get traffic challans or violations, insurers see you as less likely to have accidents or make bike insurance claims. This can help you get a lower bike insurance premium.

2. Traffic Violations Can Increase Your Premium

   Traffic violations like overspeeding, jumping signals, wrong overtaking, and drunk riding show risky riding habits. If you have many traffic offences, insurers may raise your premium because they think you are more likely to make claims in the future.

3. Accidents and Claims Also Impact Costs

   Accidents, especially those caused by carelessness, can hurt your riding record. If you make several claims in a short time, insurers may see this as unsafe riding and could raise your premiums or reduce discounts like your No Claim Bonus (NCB), which helps lower your renewal premium.

4. (NCB) As a Reward for Safe Riding

   The No Claim Bonus is a reward from insurers for not making any claims in a year. If you maintain a clean record, you can receive significant discounts on your renewal premium, starting at 20% for one claim-free year and increasing up to 50% for five consecutive years.

   Pro Tip: Keep your NCB by not making small claims that could hurt your record and lower your discount.

Practical Tips to Maintain a Clean Riding Record

1. Follow Traffic Rules Religiously

   Following speed limits, stopping at signals, and giving way to others can help keep your record clean and make you seem less risky to insurers.

2. Pay Your Bike Challans Promptly

   Not paying your traffic fine. If you do not pay your traffic fines on time, it looks bad on your record and may show insurers that you are irresponsible. This can affect your premium.

3. Riding Under the Influence of Alcohol

   Riding even once under the influence can hurt your riding history and raise your insurance costs. Always avoid riding after drinking alcohol or using other intoxicating substances.

4. Ride Defensively, Not Recklessly

   Riding carelessly or aggressively raises your chances of accidents and higher insurance costs. Riding defensively, maintaining safe distances, planning your route, and avoiding risky overtaking can help you avoid claims and keep your premiums low.