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📜 Permits — Sec. 66 MV Act

Private Vehicle — Permit Not Required (GVW threshold)

Private Vehicle — Permit Not Required (GVW threshold). A private, non-transport motor vehicle (private car, two-wheeler, personal jeep) does NOT require a. — DigiSurvey.

What it covers क्या कवर होता है

A private, non-transport motor vehicle (private car, two-wheeler, personal jeep) does NOT require a transport permit under Sec. 66(3) of the MV Act so long as the vehicle is used solely for the owner's own purpose and the Gross Vehicle Weight (GVW) stays within the private-use limit. The permit requirement typically kicks in once GVW exceeds 7,500 kg (even for private use) or the vehicle is used to carry goods / passengers for hire or reward.

निजी, non-transport वाहन (private car, two-wheeler, personal jeep) को MV Act की धारा 66(3) के तहत transport permit नहीं चाहिए — बशर्ते गाड़ी सिर्फ़ मालिक के अपने उपयोग के लिए हो और Gross Vehicle Weight (GVW) निजी-उपयोग सीमा में रहे। आम तौर पर 7,500 kg से अधिक GVW पर (निजी उपयोग में भी) या किराये/इनाम पर माल/सवारी ढोने पर permit अनिवार्य हो जाता है।

Policy wording sample"The vehicle shall be used solely for social, domestic and pleasure purposes and for the insured's own business. Use for the carriage of goods or passengers for hire or reward is excluded, unless the vehicle is specifically endorsed and permitted under Section 66 of the Motor Vehicles Act, 1988."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

For a private-registered vehicle, surveyor should confirm (i) RC category is "Non-Transport", (ii) GVW on RC is within 7,500 kg, (iii) vehicle is actually in private use on DOL — no goods / fare-paying passengers. If any of these fails, treat as commercial-use violation; the "Limitations as to Use" clause of the policy may apply and insurer can repudiate or Pay-and-Recover for TP. Note: a non-transport vehicle used for own-business goods (owner's stock, not for hire) can still be commercial for insurance class — check the policy schedule.

निजी-registered गाड़ी के लिए पक्का करें — (i) RC category "Non-Transport" है, (ii) RC पर GVW 7,500 kg तक है, (iii) DOL पर गाड़ी सच में निजी उपयोग में थी — कोई माल/किराया-देने वाली सवारी नहीं। कोई भी शर्त नहीं मिले तो commercial-use violation मानें; पॉलिसी की "Limitations as to Use" clause लागू हो सकती है, insurer repudiate या TP में Pay-and-Recover कर सकता है। नोट: own-business माल ढोती non-transport गाड़ी बीमा-class में commercial हो सकती है — policy schedule देखें।

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

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