Knowing the differences between license types is important when driving a car in India. Motorcycles with Gear (MCWG) and Light Motor Vehicles (LMV) are popular groups that can often confuse people.
An MCWG is any two-wheeled vehicle with a manual gear drive. They are typical bikes that require gear changing while riding. On the other hand, LMVs include smaller four-wheelers like cars, jeeps, and vans. The LMV is split into two categories: LMV-NT (non-transport) for personal use and LMV-TR (transporters) for commercial transportation.
Let's break down the key differences between MCWG vs LMV driving licenses and insurance.
What is the difference between MCWG and LMV driving licence?
The licensing requirements for MCWG and LMV highlight their key differences. The primary characteristics are as follows:
- MCWG licence
- Authorised for operating bikes with manual transmission
- Requires passing a specific driving test focused on gear operations
- Mandates a 30-day learning period with a learner's license
- Requires applicants to be at least 18 years old
- Differs from licences issued for gearless two-wheelers
- LMV licence
- Covers handling of cars, jeeps, and small vans
- Requires separate tests for transport and non-transport vehicles
- Requires applicants to be at least 18 years old
- Mandates a 30-day learning period with a learner's licence
Insurance for MCGW vs LMV
Both MCWG and LMV follow similar standards when it comes to insurance, though the rates and policy details may change. Here are the basic insurance options:
- Mandatory third-party insurance
Both vehicle types need this basic covering as required by the law. It guards against injuries to third parties, damage to third-party property, and legal obligations arising from crashes.
- Comprehensive insurance
This type of coverage includes third-party risk protection, coverage for car theft, protection against nature disasters, and coverage for crashes and man-made mishaps
Both car types can gain from extra security choices like:
- Roadside help
- Engine safety
- Zero depreciation coverage
Conclusion
Whether you ride a motorbike or drive a car, knowing the differences between MCWG and LMV licenses and insurance needs is important. Both require proper training, paperwork, and insurance coverage to ensure legal regulations and safety on the road.
When it comes to two-wheeler insurance, it's crucial to understand that having basic third-party coverage might not be sufficient. While third-party insurance is legally required, choosing comprehensive two-wheeler insurance can give you complete peace of mind. It covers damage to your motorbike and guards against theft, natural disasters, and crashes.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.