MCWG vs LMV: Driving Licence and Insurance Guide

Posted on: Dec 16, 2024 | 3 mins | Written by: HDFC ERGO Team

MCWG vs LMV: Driving Licence and Insurance Guide

The type of driving licence and insurance varies depending on the kind of vehicle you own.

So, it is necessary to understand what licence type and insurance are required for an MCWG (Motorcycle without gear) and an LMV (Light motor vehicle).

While the licence types vary, the mandated third-party bike insurance is essential for both automobile types.

The Difference Between a Motorcycle With a Gear and a Light Motor Vehicle

A motorcycle with gears (MCWG) is a two-wheeled vehicle that requires the rider to manually operate gears. These motorcycles are commonly used for personal transportation and have various engine capacities.

Light motor vehicles (LMV) include a range of four-wheelers, like small cars, jeeps, or vans. This category includes automobiles strictly used for personal use, known as light motor vehicles non-transport (LMV-NT), and those for transporting people and goods (LMV-TR).

To get MCWG and LMV-TR/LMV-NT licences, an individual must be at least 18 years old, hold a learner's licence for 30 days, and pass the relevant driving tests.

What is the Difference Between MCWG and LMV Driving Licence?

Criteria	MCWG Licence	LMV Licence
Vehicle type	An MCWG driver's licence is required for riding a motorcycle with a gear.	LMV driver's licence allows the operation of four-wheelers like small cars, jeeps, vans, and other light vehicles.
Test requirements	Requires a driving test specifically for motorcycles with gears.	Requires separate tests for light motor vehicles used for transport and non-transport purposes.

Insurance for MCGW vs LMV

MCWG and LMV have the same insurance requirements as follows:

• Third-Party Insurance

This insurance type is mandatory for all motorcycles, including MCWG, and four-wheelers. It covers liabilities arising from third-party damages or injuries caused by your vehicle.

• Comprehensive Insurance

A more extensive insurance option that covers third-party liabilities, vehicle theft, and damages caused to your automobile by accident, natural calamities, or artificial disasters.

• Customisation Options

If you have a comprehensive insurance policy, you can add riders for enhanced protection, such as roadside assistance and engine protection coverage.

Conclusion

Motorcycles with Gear (MCWG) and Light Motor Vehicles (LMV) are popular categories that tend to confuse many people. Understanding the differences between MCWG vs. LMV is essential to ensure compliance with driving regulations and to help you obtain the right insurance coverage. If you plan to operate both types of vehicles, make sure your licence explicitly includes both MCWG and LMV categories to avoid legal complications. Also, ensure you browse through to purchase the best four-wheeler or bike insurance online to secure your investment. With comprehensive policy, you can drive your vehicle peacefully, knowing you're financially covered in case of unforeseen road calamities.

FAQs on MCWG vs KMV

1. Are LMV and MCWG the same?

No, they are not the same. LMV (Light Motor Vehicle) refers to cars, small vans, and other light vehicles. On the other hand, MCWG( Motorcycle With Gear) allows the licence holder to ride motorcycles with gears. Although both may have the same insurance requirements, they approve the operation of different vehicle types.

2. Can I drive a four-wheeler with MCWG?

No, you cannot drive a four-wheeler with MCWG. The driving license for MCWG does not allow driving a 4-wheeler. Instead, it permits you to drive only motorcycles with gears, mainly those with at least a 50cc engine capacity. Usually, you need a light motor vehicle (LMV) licence to drive a four-wheeler.

3. Does LMV include scooters?

No, an LMV license does not involve scooters. Instead, depending on whether the scooter has gears or not, you need a Motorcycle With Gear (MCWG) or Motorcycle Without Gear (MCWOG) license to operate a scooter.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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