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HPMV — Heavy Passenger Motor Vehicle (bus, > 13 seats)

HPMV — Heavy Passenger Motor Vehicle (bus, > 13 seats). HPMV authorises the holder to drive a Heavy Passenger Motor Vehicle — any passenger-carrying. — DigiSurvey.

What it covers क्या कवर होता है

HPMV authorises the holder to drive a Heavy Passenger Motor Vehicle — any passenger-carrying vehicle with more than 13 seats (buses, mini-buses used as stage carriage, chartered coaches, tourist buses). Minimum age 20 (some states 22), 1 year of LMV-T, Transport Badge, and re-training every 3 years.

HPMV — 13 से अधिक seats वाली किसी भी passenger-carrying vehicle (buses, mini-buses stage carriage में, chartered coaches, tourist buses) चलाने की अनुमति। न्यूनतम उम्र 20 (कुछ राज्यों में 22), 1 साल LMV-T, Transport Badge, हर 3 साल में re-training।

Policy wording sample"The person driving the Heavy Passenger Motor Vehicle shall hold an effective Driving Licence of the class HPMV, with a current Transport Badge, as prescribed under Section 10(2)(g) and Section 3 of the Motor Vehicles Act, 1988."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Verify (i) HPMV endorsement on DOL, (ii) retention / re-training receipt within 3 years, (iii) transport badge valid, (iv) seat count on vehicle not exceeded. For a passenger-injury TP claim, driver DL match is the #1 insurer-defence — missed, and insurer gets a Pay-and-Recover order.

पक्का करें — (i) DOL पर HPMV endorsement, (ii) 3 साल में retention / re-training receipt, (iii) transport badge valid, (iv) गाड़ी पर seat count exceed नहीं। passenger-injury TP claim में driver DL match insurer-defence का #1 point — छूट गया तो insurer को Pay-and-Recover order मिलता है।

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

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