A premium for good road behaviour? Motor insurance buyers will soon be assessed for traffic violation

Imagine a CIBIL score for motor insurance. Instead of your debt repayment records, you’ll be rated on your road behaviour – sticking to speed norms or parking in designated zones, for instance. On paper, that sounds reasonable. In practice, that might do more harm than good to millions of Indian private vehicle owners, and end up favouring the insurers in an unequal game. It could also compound the penalties a vehicle owner has to suffer, while