New Delhi, March 9 -- Driving behaviour plays a bigger role in insurance pricing today than many vehicle owners realise. When a vehicle owner opts for comprehensive car insurance, insurers don't just look at the vehicle type or location. They also assess how responsibly the vehicle is driven. With digital traffic monitoring, e-challans and stricter enforcement across Indian cities, traffic violations are now closely linked to how insurers evaluate risk.

Insurance is fundamentally based on risk assessment and car insurance providers calculate premiums by estimating the likelihood of a claim. Drivers with a history of traffic violations are statistically more likely to be involved in accidents. As a result, insurers factor driving records ...