Helmet Violations Account for Over 34% of Traffic Offences: ACKO’s Challan Report

 ACKO, India’s leading protection destination, has released its first-ever Challan Report, built on millions of data points collected between December 2024 and June 2025. The report uncovers India’s most common traffic violations and highlights how unsafe driving habits continue to put lives at risk.

The findings reveal that helmet non-compliance is the most broken traffic rule in India, with over 10.5 million helmet-related offences recorded during the study period. Alarmingly, one in three riders is found driving without a helmet, and these violations alone account for 34.8% of all challans issued.

City-wise insights into driving behaviour

The report provides an in-depth look at driving behaviour across major Indian cities:

• Repeat offenders: Bengaluru tops the list, with 10.8% of users holding more than 10 pending challans, followed by Chennai (8.1%), Delhi (5.7%), Mumbai (4.8%), Pune (3.2%), Kolkata (2.3%), Hyderabad (1.7%), and Ahmedabad (1.6%).
• Challan checks: Chennai drivers check their challans the most, averaging five times a month, ahead of Bengaluru (4.12), Kolkata (3.29), Ahmedabad (2.85), and Delhi (2.76). Bengaluru alone saw 14.5 lakh challan checks, with 61% of users found with at least one challan.
• High incidence rates: Delhi recorded the highest incidence of challans, with 73% of users found to have at least one challan, followed by Chennai (64%), Mumbai (62%), Bengaluru (61%), and Ahmedabad (61%).
• Digital enforcement: Bengaluru leads in digital violations, with 23% of challans issued through cameras and mobile devices.
• Top repeat offenders: highest challan counts: The report highlights the most extreme cases of repeated traffic violations:
• Bengaluru: One user accumulated 89 challans totaling ₹44,500
• Delhi: One user had 19 challans totaling ₹19,000
• Ahmedabad: One user had 18 challans
• Chennai: One user had 18 challans
• Highest fine paid by a single user: Delhi also recorded the highest single fines, with one driver paying ₹61,000 across 5 challans, followed by another Delhi user paying ₹60,500 for 4 challans, and a Noida user paying ₹31,000 for 2 challans.

Speaking on the report, Mayank Gupta, Vice President – Motor Insurance at ACKO, said:
"Every challan is more than just a penalty; it is a reminder to drive responsibly. At ACKO, consumer safety is a core value, and that is why we have integrated challan checks into our app—to help users stay aware and accountable. We are committed to spreading awareness about safe driving and encouraging healthier road habits. Through this report, we want to highlight the behaviours that pose the greatest risks and start conversations around accountability and change. Responsible driving not only saves lives but also creates safer roads for everyone."

With this report, ACKO aims to create greater awareness about traffic safety and encourage Indian motorists to adopt responsible practices on the road. Driving habits play a critical role in road safety as well as in reducing claims and financial losses. By highlighting these patterns, ACKO hopes to encourage safer driving behaviour that not only protects individuals and their families but also helps build a more sustainable and responsible insurance ecosystem.