How Your Riding Record Influences Your Two-Wheeler Insurance Plan

How Your Riding Record Influences Your Two-Wheeler Insurance Plan

What Is A Riding Record?

A riding record is the history of your bike riding. Your driving record, identity information, the number of traffic tickets you’ve received, and information about accidents are all included in the history. 


How Does A Spotless Driving Record Affect Bike Insurance?

Excellent, seasoned bikers with a spotless driving record benefit from lower insurance rates and better insurance coverage options. Riding carefully, neatly, and safely pays off! If you have a spotless riding record, you have many options for insurers offering competitive insurance rates and coverage.##


Some elements that go into determining your bike insurance:

  • Make and model of your bike
  • Location
  • Your car’s year of production
  • History/record of riding
  • Dispute history
  • Type of plan and add-ons


(IDV) Bike Insured Declared Value

Riders less likely to file claims during the policy period may receive lower bike insurance premiums from their insurers. Good riders are likely eligible for significant cost-saving benefits provided by insurers.##


Factors Affecting Riding History

Several factors influence your riding history. The following key elements have an impact on your riding history:


  • Traffic Violations: Breaking traffic laws can ruin your riding record and make you appear unreliable. Bad riding records result from traffic violations like speeding, running red lights, etc. Make sure you have a pollution certificate validity for the new bike at all times.


  • Challans That Are Paid Late Or Not At All: If you don’t pay your traffic violation challan on time, you have a relaxed attitude. Even though you shouldn’t violate traffic laws, you should pay the fine by the deadline if you get a challan.


  • Accidents: Negligence-related accidents can negatively affect your riding or driving record because they paint you as a careless driver. Riding recklessly can endanger your life and hurt your riding history and bike insurance premium.


  • Too Many Claims: Making too many insurance claims demonstrates risky riding habits that frequently damage your bike. Multiple claims will harm your riding record and cause you to lose your No Claim Bonus (NCB) concession, which can be up to 50% for 5 straight years.*##


How Can I Keep My Riding Record Spotless?

Now that you know how vital your riding history is abide by the following advice to maintain a spotless riding record:

  • Safe Riding: Ride safely by being aware of your surroundings and showing consideration for other drivers. You and your loved ones may be at risk if you drive carelessly. Never ride erratically. Make sure the safety of you and others is taken care of.


  • Respect Traffic Regulations: Traffic regulations should be respected for all road users’ safety. Ensure you don’t drive too fast, run red lights, park in prohibited areas, or do anything else that might harm your riding record. For a spotless riding record, abide by the rules.


  • Pay Penalties On Time: Any fines issued for your vehicle or driving must be paid on time if you want to keep a clean riding record. If you get a challan for a traffic violation, make sure you pay the fine promptly to avoid further consequences.


A bike insurance premium calculator is a convenient tool you can utilise online to check the coverage required based on your needs.

* Standard T&C Apply


## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply.


Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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