Updated on - 20 Jan 2026
A motorcycle with a gear and a light motor vehicle (LMV) are two common types of vehicles used for daily travel. Both serve different purposes depending on your lifestyle and commuting needs. While motorcycles offer agility and fuel efficiency, LMVs provide comfort and safety for longer trips or family travel. Both need proper driving licences and safety checks before use.
This blog details a motorcycle with a gear and a light motor vehicle.
What is an LMV?
A Light Motor Vehicle (LMV) is a small four-wheeler used for personal or business purposes. It includes cars, jeeps, small vans and light commercial vehicles that carry goods or passengers. These vehicles are easy to drive and control compared to heavy vehicles like trucks or buses. Anyone with an LMV driving licence can legally drive these vehicles on public roads in most countries.
What is an MCWG?
A motorcycle with a gear (MCWG) is a two-wheeler that lets you change speeds using a gear system. It has a clutch and gear lever that help control how fast or slow you can go. Riders use gears to adjust power when climbing hills, speeding up or slowing down. These bikes give better control, fuel efficiency and performance compared to scooters that don’t have gears.
Difference between LMV and MCWG driving licences
You must also know the difference between the LMC and MCWG driving licences before applying for them.
- The MCWG licence allows you to ride any geared two-wheeler, such as motorcycles and mopeds, for personal or transport use.
- The LMV licence permits you to drive small four-wheelers with a gross vehicle weight of up to 7,500 kg, including cars, jeeps and light vans. The LMV licence is further divided into LMV-NT (Non-Transport) for private vehicles and LMV-TR (Transport) for commercial use.
Holding an LMV licence does not allow you to ride motorcycles with gears. To operate both vehicle types legally, you must have separate endorsements for MCWG and LMV on your driving licence.
Tips for choosing the right vehicle type
When choosing between a motorcycle with a gear and a light motor vehicle, think about your daily needs.
- If you travel alone or in busy traffic, a motorcycle is easy to handle and saves fuel.
- For travelling with families or carrying goods, a light motor vehicle is safer and more comfortable.
- Check your licence type before buying. Also, compare maintenance costs, mileage and comfort.
- Always test drive both options to see which feels easier and better for your everyday use.
Considering insurance for LMV and MCWG
Whether you are the holder of an LMV or an MCWG driving licence, having valid insurance is mandatory under Indian motor laws. Choosing the right car or bike insurance plan ensures financial protection against unforeseen accidents. Compare policies based on coverage, premium and claim settlement ratios to get the best plan suited to your vehicle type.
Conclusion
A motorcycle with a gear and a light motor vehicle serve different needs. A geared motorcycle is best for single riders who want speed and fuel savings, while a light motor vehicle is ideal for families or people carrying goods. Before choosing, think about your daily use, comfort and budget. Always follow traffic rules, wear safety gear and have valid documents like a PUC certificate and comprehensive bike insurance.
If you need help finding the right vehicle insurance for your automobile, fill out the form on this page. Our experts will help you find the ideal policy for your needs.
FAQs
1. What is the main difference between a motorcycle with a gear and a light motor vehicle?
A motorcycle with a gear is a two-wheeler that requires manual gear shifting, whereas a light motor vehicle (LMV) is typically a four-wheeler used for carrying people or goods. LMVs are more stable and comfortable for long trips.
2. Which one is cheaper to maintain?
A motorcycle with a gear generally has lower maintenance and fuel costs than a light motor vehicle. However, LMVs provide better safety and comfort.
3. Do I need a different licence for LMV and MCWG?
A motorcycle with a gear requires a two-wheeler licence, while a light motor vehicle needs an LMV licence. Always check local rules before applying.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.