Chennai Ranks #1 in Challan Checks: ACKO Insights for Smarter Car and Two Wheeler Insurance Decisions

If you are driving in Chennai, you are already among India’s most responsible drivers when it comes to following traffic rules. As per the recent ACKO Challan Report, Chennai is at no. 1 for challan checks, with drivers checking their e-challans more than 5 times a month on average.

This level of watchfulness is superior to mere good riding behaviour. It has a direct impact on road safety, fine management, and even wiser car insurance decisions. After all, not repeating violations not only spares fines but also strengthens your risk profile for insurers.

Chennai Leads India in Challan Checks

When it comes to digital updates, Chennai motorists are miles ahead. According to ACKO data:

• Chennai motorists examine their challans 5.02 times a month, the highest in India.

• Other states include -

• Bengaluru is at 4.12 times/month

• Kolkata at 3.39 times/month

• Ahmedabad at 2.85 times/month

• Delhi at 2.76 times/month

• Mumbai at 2.44 times/month.

This shows that Chennai residents are always keeping their fines in check and settling dues before they accumulate into a hefty amount. Such behaviour minimises surprise fines, avoids license suspension and promotes good driving habits.

The Most Broken Rule: Helmets Left Behind

One of the most serious revelations in the report is helmet non-compliance, which represents 34.8% of all offences, which is more than 10.5 million. That is to say, one in three riders still ride without adequate head protection. The danger extends far beyond traffic fines.

An absent helmet tends to create major injuries that have greater medical expenses, economic burden, and prolonged recovery times. This is why insurance companies stress safe riding habits and save on two wheeler insurance premiums. An effective motor insurance policy can financially protect your vehicle in times of crisis, but prevention is still the best way to protect yourself.

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How Traffic Offences Can Empty Your Pocket?

Serious traffic offenders demonstrate how fast the fines add up. A Delhi commuter as per ACKO’s report was seen to have accumulated ₹61,000 from only five challans, while repeat offenders in Bengaluru were frequently caught on camera. These instances initiate a necessary course of action for responsible drivers:

• Preventive habits count – Keeping an eye on challans and settling dues prevents penalties from piling up.

• Safe driving saves money – Properly sticking to rules lowers the likelihood of expensive offences.

• Insurance goes hand-in-hand with discipline – A good two-wheeler or four-wheeler insurance policy serves as a financial safety net when unexpected events strike.

Digital Challan Checks – A Roadmap to Safer and Cheaper Insurance

Checking traffic challans regularly is no longer a mere use of the latest digital innovations but a need of the hour for two and four-wheeler drivers. By tracking pending penalties on the digital platform, drivers enjoy some advantages that go beyond avoiding fines.

But why do digital challan checks matter in vehicle insurance?

• Regular online tracking prevents minor offences from adding up to huge payments or even legal proceedings.

• A clear record of on-time payments and fewer violations builds a driver’s credibility and positively reflects while renewing car or bike insurance policies.

• A clean record can aid in easier insurance claim approvals, reduced add-on prices and improved premium rates for car and two-wheeler insurance.

• Constant reminders to abide by rules promote safe driving behaviour, decreasing the chances of accidents and thus increasing the possibility of paying lower insurance premiums.

• Regular e-challan checks are a good risk management practice. It enables drivers to align their behaviour towards long-term financial protection goals.

5 Smart Driving & Insurance Tips for Motorists

2. Check Your Challans Every Month: You can digitally check them on the ACKO app by entering your vehicle number in the ‘Pay Traffic Challans’ section under the ‘Discover’ option.

3. Helmet & Gear First: Invest in quality helmets and safety gear. Taking preventive measures lowers medical costs and insurance claims.

4. Maintain Driving Logs: Make sure to track your trips and minor offences. Some insurers may reward disciplined drivers with reasonable premium options.

5. Opt for Comprehensive Coverage: Make sure your vehicle insurance policies cover accident, theft, and medical emergencies.

6. Safe Driving Rewards: Some insurers offer discounts or cashback for claim-free years in terms of No-Claim Bonus (NCB). So, drive safely!

Summing Up

Chennai’s lead in challan checks may seem surprising, but it reflects a culture of awareness and accountability among drivers. When compared with Bengaluru’s higher rate of violations and Delhi’s significant fines, ACKO’s report underlines an essential lesson. It is proactive behaviour that saves both money and lives.

Whether driving a car or a two-wheeler, the path to safer roads is consistent rule following, regular challan checks, and the safety of a comprehensive insurance policy. The roads might still be cluttered, but some choices, like paying your challans on time and staying covered with a proper vehicle insurance policy, make all the difference.