28 Jan 2026

The choices we make in life can impact insurance, particularly the cost of premiums. One such example is related to motor insurance, where many will ask whether safe and responsible driving can also have a direct impact on motor insurance?

This question is ultimately about risk, as insurers assess driving behaviour to determine risk, and those who consistently drive carefully are generally seen as lower-risk policyholders.

One of the most important factors in motor insurance pricing is a driver’s claims and driving history. If your history has fewer accidents, traffic violations, or claims over time typically result in lower premiums . On the other hand, safe drivers may benefit from no-claims bonuses or discounted renewal rates.

Another interesting aspect is that many insurers also offer telematics or usage-based insurance policies, which monitor driving habits such as speed, braking, acceleration, and the times of day when a vehicle is driven. Drivers who demonstrate safe and predictable behaviour through these programmes may receive lower premiums or additional rewards.

Ultimately, motor insurance, like all insurance, is based on risk over time. So careful driving, reduced mileage, and consistent safe habits lower the likelihood of claims, making safer drivers more attractive to insurers. Beyond insurance savings, better driving also reduces the risk of accidents, protects passengers and other road users, and contributes to safer roads and a better society overall.