Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

How Driving Record Affects Motor Insurance Premium?

Published On Nov 06, 2020

Your driving record is one of the factors which will have a direct impact on the premium that you pay to insure your vehicle. Read to find out the factors on your driving record which will influence your motor insurance premium.

When it comes to insuring your bike or two wheeler, many factors will impact the premium that you will pay for insurance. One of these that you may not expect is your driving record. An insurance company will charge a premium based on a variety of factors depending on the risk that they impose, and your past driving history has a significant impact on this.

Effect of Driving Record on Bike Insurance Premium

Read on to find out how your driving record will impact the premium that you pay on insurance for your bike.

  • Accidents

First and foremost would be the impact of a history of accidents upon your insurance premium. A history of no accidents would lead to a lower premium as the insurance company would be reassured that you are a careful and cautious driver and would be considered a lesser risk for liability for them. Similarly, if you have a history of accidents you would be viewed as a higher risk and thus would be charged a higher premium.

  • Traffic Violations

The next thing concerning your driving record is the traffic violations you may have made. These further indicate careless driving to your insurance company and suggest that you would be a higher risk for them to insure. Thus you would also be charged a higher premium for the same. Conversely, cautious driving and a clean record with no traffic violations suggests to the insurance company that you are less of a risk and thus would result in a lower premium for you.

Thus the two factors that will impact the driving history viewed by the insurance company are accidents and traffic violations. Therefore it is in your interest to ensure that your bike goes through minimal accidents and that you follow traffic rules and norms while driving it.


Therefore the main takeaway here is that the more accidents or traffic violations you have, the higher your insurance premium is likely to be. This is due to the fact that you would be viewed as a risky client by the insurance company. On the other hand if your record and driving history is clean with no violations or no accidents, the insurance company would view this positively and would likely give you a lower premium.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

You May Also Like To Read: Why Is It Vital To Use A Bike Insurance Premium Calculator Online

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 50 lakhs happy customers
  • Claim Support available all 7 days of the week

People Also Read