It is very simple, if you are part of the group you talk about, using they is possible, but it will still include you as a speaker. You just talk about yourself in he third person!
Users who base their SE username on their real names are strange people. They talk about themselves in the third person sometimes.
I am one of those people, and I am part of the group "Users who base their SE username on their real names" as well as the they in the second sentence.
You can not talk about Indians and exclude yourself implicitly. If you want to make statements about a group of people, be specific about the group.
If all Indians are idiots in traffic (I can see where someone gets that idea ;) ), except for you, the only sane driver on the complete subcontinent, then talk you can say:
Indians, except me, the world greatest and most courteous driver, are the worst drivers in the world. They....
It is fairly common though, when making generalizing statements about a group of people, to implicitly include yourself, even if it does not apply to you (or you think so), if only because it adds a bit of self-deprecation to the statement, that otherwise is likely seen as an insult. Generalizing remarks are often not appreciated.
Now, I am Dutch. If I say that Indians are complete idiots, many Indians will probably feel I insulted them with such a terribly generalizing remark: all Indians are different, and some may be idiots, but hey, that doesn't mean they all are! Also non-Indians may take offence at it.
If I say that the Dutch are idiots, the generalization is more likely to be acceptable to most people, as I am making the statement implicitly about myself as well (it is generally more safe to call yourself an idiot than your neighbour!)
Also, making the remark about yourself ads a bit of nuance. It is more likely you mean your remark as a hyperbole, not literally meaning that the remark applies to all individuals in the group.
If you explicitly exclude yourself, you cannot defend the hyperbole anymore (you are being very specific): Indian drivers (except Maulik) drive like idiots seems to be very specifically really about all of them (except one). If there would be any other exceptions, I would have added them as I added Maulik.