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Clean Driving Record Impact On Motor Insurance
Oct 18, 2023

Clean Driving Record: How It Affects Your Motor Insurance Policy

With the increasing number of vehicles on the road, there has been an increase in the number of road accidents as well. Many young drivers engage in unsafe driving which impacts their driving record. Having a good driving record is not only essential for your safety on the road but also crucial for the cost of your motor insurance premiums. A driving record is a record of your driving history and includes any accidents, traffic violations, or other incidents that may have occurred while driving. In this article, we will learn how a good driving record can benefit your experience with vehicle insurance.

How Does Your Clean Driving Record Help with Insurance Premium?

The following benefits indicate why why you should keep your driving record clean for motor insurance:
  1. Lower Insurance Premiums

Insurance companies typically offer lower premiums to drivers who have a clean driving record. This is because drivers with a clean driving record are considered to be less risky and are less likely to file claims. A good driving record can also help avoid additional fees and penalties that can be levied on drivers who have been involved in accidents or traffic violations.*
  1. Better Coverage Options

Having a good driving record can also help you qualify for better coverage options. Insurance companies may offer more coverage options or higher coverage limits to drivers with a clean record. This can help ensure that you have adequate coverage in case of an accident or other incident on the road.*
  1. Avoiding Traffic Violation Penalties

Traffic violations such as speeding, running a red light, or driving under the influence can result in expensive fines, points on your license, and even license suspension. In addition to the fines and penalties, traffic violations can also lead to an increase in your insurance premiums. By keeping a clean driving record and avoiding traffic violations, you can avoid these penalties and maintain lower insurance premiums.*
  1. Lower Risk of Accidents

A clean record also indicates that you are a safe driver and have a lower risk of accidents. This is because drivers with a clean driving record are typically more cautious and follow traffic laws and safety guidelines. By avoiding accidents, you can reduce the risk of injury or damage to your vehicle, which can ultimately lead to lower insurance premiums.
  1. Easier Renewals

When the time comes to renew motor insurance, having a good driving record can make the process much easier. Insurance providers will look at your driving record when determining your renewal rates and coverage options. If you have a good driving record, the renewal process will likely be smoother, and you may even qualify for additional reduction in price or incentives.*
  1. Good Driving Habits

Keeping a clean driving record is not only beneficial for your insurance premiums, but it also promotes good driving habits. By following traffic laws, being cautious on the road, and avoiding distractions while driving, you can help to ensure your safety and the safety of others on the road. However, having a clean record does not shield you from the mistakes that others might make while driving their vehicles. If your vehicle gets damaged in an accident, you can get compensated by your insurer by filing a claim. Let us know more about the process.

How to File a Claim?

To get compensated for the damages caused to your vehicle, you need to file a claim. Here is the motor insurance claim process:
  1. Inform your insurer after the accident has taken place. This can be done by getting in touch with them through their claims helpline number or through their website.
  2. Approach the police to file an FIR if the damages are extensive. Insurers need a copy of the FIR to process the claim.
  3. Take photos and videos of the damage caused to the vehicle. This helps the insurer in verifying the damages mentioned by you on your claim form.
  4. Submit all the necessary documents required by your insurer to take the claim process ahead.
  5. Get your vehicle inspected by a surveyor from your insurer. The surveyor will inspect the damages as well as note down additional information which would be forwarded to the insurer.
  6. If the insurer is satisfied by your claim and the information provided by the surveyor, you will be compensated by the insurer for the damages.


Keeping a clean driving record is essential for not only reducing the cost of your car insurance premiums but also for promoting safe driving habits on the road. To know more about additional benefits you might get on your vehicle insurance with a good driving record, you can get in touch with an insurance agent.   *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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