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📜 Permits — Sec. 66 MV Act

Heavy Goods Vehicle (HGV) Permit — GVW above 12,000 kg

Heavy Goods Vehicle (HGV) Permit — GVW above 12,000 kg. A goods-carriage permit for a Heavy Goods Vehicle (GVW typically above 12,000 kg — trucks,. — DigiSurvey.

What it covers क्या कवर होता है

A goods-carriage permit for a Heavy Goods Vehicle (GVW typically above 12,000 kg — trucks, trailers, tippers, tankers of 16T, 25T, 31T, 49T classes). Mandatorily requires HGMV / HTV driving licence with at least 1 year of LMV-transport experience, Transport Badge, and in some states age ≥ 20 or 21.

Heavy Goods Vehicle (GVW आम तौर पर 12,000 kg से अधिक — 16T, 25T, 31T, 49T वर्ग के trucks, trailers, tippers, tankers) का goods-carriage permit। अनिवार्य रूप से HGMV / HTV driving licence, कम से कम 1 साल का LMV-transport अनुभव, Transport Badge, कुछ राज्यों में उम्र ≥ 20 या 21 ज़रूरी।

Policy wording sample"Where the vehicle is a Heavy Goods Vehicle of GVW exceeding 12,000 kg, the insured shall ensure (a) that a valid permit under Section 66 of the Motor Vehicles Act, 1988 is in force, (b) that the driver holds a valid HGMV Driving Licence with transport-vehicle endorsement, and (c) that the load does not exceed the Rated Carrying Capacity entered in the Registration Certificate."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

For HGV claims: (i) permit class + expiry + composite / NP endorsement if interstate, (ii) HGMV DL + transport-badge, (iii) overload — HGVs are the most frequently overloaded class, insurer may apply Pay-and-Recover based on weigh-bridge receipt, (iv) fitness (annual for >8 yr old) current. Hazardous-goods HGV requires additional hazardous-endorsement on DL and PESO training.

HGV claims में — (i) permit class + expiry + interstate हो तो composite / NP endorsement, (ii) HGMV DL + transport-badge, (iii) overload — HGVs सबसे अधिक overloaded class, insurer weigh-bridge receipt पर Pay-and-Recover कर सकता है, (iv) fitness (8 साल से पुरानी के लिए सालाना) current। hazardous-goods HGV पर DL पर अलग hazardous-endorsement और PESO training ज़रूरी।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

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