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Safe Driving Tips - India
Mar 30, 2023

Following Road Safety Rules in India: Essential Safe Driving Tips

India is a vast country with a large population and an increasing number of vehicles on the roads. With this comes a greater need for road safety awareness and adherence to traffic rules to reduce the risk of accidents. In India, it is essential to follow road safety rules while driving, not only for personal security but also to avoid any legal consequences. The motor insurance sector in India also plays a significant role in road safety. In this article, we will discuss essential safe driving tips and their relevance to the motor insurance sector in India.

Common Road Safety Rules in India:

Here are a few simple yet crucial road safety rules you should follow:  

Follow Traffic Signals

Traffic signals and signs are crucial in ensuring the smooth flow of traffic on Indian roads. Following these signals and signs can prevent accidents and improve road safety. Motorists should pay attention to traffic lights, stop signs, and other signs indicating speed limits, no overtaking, and no entry. Disobeying traffic signals and signs can result in accidents, and if you are caught, it can lead to hefty fines or even imprisonment. From a vehicle insurance perspective, violating traffic rules can result in an increased premium or even a claim rejection. *

Wear a Seatbelt

Wearing a seatbelt is essential for driver and passenger safety. In India, it is mandatory to wear seat belts while driving or riding in a car. Seatbelts can prevent serious injuries during accidents by reducing the impact of the collision on the occupants. From an insurance angle, if a person is injured in an accident while not wearing a seatbelt, it may affect their claim settlement. Therefore, wearing a seatbelt is not only essential for personal safety but also for a smooth claim process.  

Avoid Drunk Driving

Driving under the influence of alcohol is one of the leading causes of road accidents in India. Alcohol impairs judgment, vision, and reaction time, which can lead to fatal accidents. According to the Motor Vehicles Act, 1988, driving under the influence of alcohol is a punishable offence. If a person is caught driving under the influence of alcohol and is involved in an accident, their car insurance claim may be rejected as well. Therefore, it is essential to avoid driving after consuming alcohol to ensure personal safety and to avoid any legal or insurance-related consequences.

Maintain a Safe Distance

Maintaining a safe distance between vehicles is crucial to avoid accidents. Following the 2-second rule, where a motorist should maintain a gap of at least two seconds between their vehicle and the one in front, can prevent rear-end collisions. It is especially important to maintain a safe distance during adverse weather conditions such as heavy rain or fog. In the case of car insurance, if a person is involved in a rear-end collision, they may be deemed responsible for the accident, which can affect their claim settlement. *

Obey Speed Limits

This one is amongst the most important road safety rules in India. Exceeding the speed limit is a common cause of accidents in India. Speed limits are set to ensure road safety and prevent accidents. Motorists should pay attention to speed limit signs and adjust their speed accordingly. In India, violating speed limits can lead to hefty fines, license suspension, and even imprisonment. Moreover, if a person is involved in an accident while exceeding the speed limit, their claim may be rejected. As a result of the claim rejection, they might face an increased premium.

Use Headlights and Indicators

Using headlights and indicators while driving is essential for the safety of the driver and other road users. Headlights should be used during low light conditions or when visibility is poor. Indicators should be used to signal intentions to turn or change lanes. When it comes to bike insurance, if a person is involved in an accident due to not using headlights or indicators, it may affect their claim settlement.

Regular Vehicle Maintenance

Regular vehicle maintenance is essential to ensure road safety. Drivers should regularly check their vehicle's brakes, tires, headlights, and other crucial components to ensure that they are in good condition. Regular maintenance can prevent breakdowns and reduce the risk of accidents. As far as their insurance coverage is concerned, if your vehicle suffers from poor maintenance, even the most basic comprehensive bike insurance coverage may cost them a lot more. Therefore, it is essential to keep the vehicle in good condition to ensure personal safety.


In conclusion, following road safety rules is essential for many reasons, including personal safety and to avoid legal and insurance-related consequences. When it comes to insurance coverage, following road safety rules can ensure a smooth claim settlement process and prevent an increase in premiums. * 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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