Riding records affect your bike insurance


04 Aug 2023

Read about Riding records affect your bike insurance. For more information, check out the bike insurance policy from Kotak General Insurance.

A riding record is your history of riding a vehicle, including information about your identity, driving license, traffic challenges, violations, and accidents. This record also includes your riding behavior.

If you have a clean driving record, it is a testament to the fact that you follow the rules and ride safely. Insurance companies focus on the number of accidents and claims you have registered in the previous year to calculate the bike insurance premium of the policy.

Moreover, insurance companies offer discounts and better coverage to experienced riders with spotless riding backgrounds. Hence, before providing a quote on the bike insurance, the company runs a driving record check to understand your driving history and the extent of risk. Bikers with a clean riding background get the advantage of various good bike insurance options at highly competitive prices.

Factors that affect your riding record

• Traffic violations

According to rules and regulations, violating traffic rules harms your riding history, and you can be considered a bad rider. Traffic violations such as speeding, jumping traffic signals, etc., make for a bad driving record. Hence, you must ensure that you respect the rules and regulations and the safety of other road users.

• Late or non-payment of challan

If you do not pay the traffic violation challan on time, it reflects your laid-back attitude. While you must not break traffic rules and regulations, ensure that you pay the fine within the due dates if you receive a challan.

• Dangerous riding

If you are riding your vehicles negligently, rashly, or in a dangerous way, reflecting from the behavior of our riding records, it will impact your bike insurance premium and can prove to be life-threatening for your and fellow commuters on the road.

• Accidents

An accident due to negligence can impact your riding or driving record, as you would be considered irresponsible and can affect your riding record immensely. If the accident was your fault and the first information report (FIR) is filed, your riding record will be affected.

• Raising too many claims

Making too many claims reflects unsafe riding behavior that leads to frequent damage to your bike. Several claims will not only dent your riding record but also result in losing your "No Claim Bounce" (NCB), a discount on future premiums that can go up to 50% for five consecutive years. All in all, registering too many claims and the loss of NCB will impact your bike insurance premium.

• Found using intoxicating substances during riding

If you are involved in an accident and found to be riding your bike under the influence of an intoxicating substance, it will be a black spot on your riding history and will also affect the bike insurance premium.


A clean driving record can get you more coverage and competitive premium rates on a bike insurance policy. Make sure that you follow safe riding practices and avoid violating traffic rules.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.