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📜 Permits — Sec. 66 MV Act

Light Goods Vehicle (LGV) Permit — GVW below 7,500 kg

Light Goods Vehicle (LGV) Permit — GVW below 7,500 kg. A goods-carriage permit for a Light Goods Vehicle (LGV / LCV) — GVW typically below 7,500 kg. — DigiSurvey.

What it covers क्या कवर होता है

A goods-carriage permit for a Light Goods Vehicle (LGV / LCV) — GVW typically below 7,500 kg (classes like Tata Ace, Mahindra Jeeto, Bolero Pik-Up, Dost etc.). Permit requirement depends on use: own-goods / "C-permit" fleet typically needs only the state-C permit, hire-and-reward requires a full public-carriage permit.

Light Goods Vehicle (LGV / LCV) — GVW आम तौर पर 7,500 kg से कम (Tata Ace, Mahindra Jeeto, Bolero Pik-Up, Dost आदि) — का goods-carriage permit। permit की ज़रूरत use पर निर्भर: own-goods / "C-permit" fleet को सामान्यतः state-C permit, hire-and-reward को पूरा public-carriage permit चाहिए।

Policy wording sample"Where the vehicle is a goods carriage of GVW below 7,500 kg, the insured shall ensure the vehicle is covered by an appropriate permit under the Motor Vehicles Act, 1988, and that the person driving holds a Driving Licence valid for a goods carriage of that class."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Verify (i) permit class (A/C/National) matches the actual use, (ii) permit expiry on DOL, (iii) load within the Rated Load / Carrying Capacity on RC — overload is a very common breach for LGVs. Note: an LGV being driven on an LMV-NT (non-transport) licence is covered post-Mukund Dewangan (2017) only within some court views; for a transport LGV the driver should carry a transport-endorsed DL to avoid dispute.

पक्का करें — (i) permit class (A/C/National) असली use से match, (ii) DOL पर permit expiry, (iii) load RC पर Rated Load / Carrying Capacity के अंदर — LGVs में overload बहुत आम breach। नोट: LGV को LMV-NT (non-transport) licence पर चलाना Mukund Dewangan (2017) के बाद कुछ courts में माना गया; transport LGV पर dispute से बचने के लिए driver के पास transport-endorsed DL हो।

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

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