Explained: How jumping a red light could affect your motor insurance premium The higher and graver the number of violations, the higher the premium. So, customers will end up paying anywhere between Rs 100-750 for two-wheelers and Rs 300-1,500 for four-wheelers/commercial vehicles as an additional premium. The new system is first proposed to be tried out on a trial basis in the National Capital Territory of Delhi region. Car_insurance To ensure that errant vehicle owners who break traffic rules often are penalised, a panel set up by the insurance regulator has proposed a new ‘traffic violation premium’ that will be added to the motor insurance product.