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HMV — Heavy Motor Vehicle (all vehicles > 7,500 kg GVW)

HMV — Heavy Motor Vehicle (all vehicles > 7,500 kg GVW). HMV is the umbrella heavy-motor-vehicle authorisation, covering any motor vehicle whose GVW. — DigiSurvey.

What it covers क्या कवर होता है

HMV is the umbrella heavy-motor-vehicle authorisation, covering any motor vehicle whose GVW exceeds 7,500 kg (and which is not a two-wheeler or three-wheeler). In practice, RTOs issue HMV via two separate authorisations — HGMV (Heavy Goods) and HPMV (Heavy Passenger) — depending on the type of vehicle the holder wants to drive.

HMV — 7,500 kg से अधिक GVW की किसी भी motor vehicle (जो two-wheeler या three-wheeler नहीं) के लिए umbrella authorisation। व्यवहार में RTO इसे दो अलग authorisations में जारी करते हैं — HGMV (Heavy Goods) और HPMV (Heavy Passenger) — धारक जिस type की गाड़ी चलाना चाहे उसी के अनुसार।

Policy wording sample"The vehicle, being of Gross Vehicle Weight exceeding 7,500 kg, shall be driven only by a person holding a Driving Licence valid for the specific class of Heavy Motor Vehicle (HGMV, HPMV or such other class as the Motor Vehicles Act, 1988 prescribes), together with any transport endorsement and badge required thereunder."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Treat HMV as a label; always drill down to WHICH heavy class is endorsed on the DL — HGMV, HPMV, HTV (an old umbrella), or HTVM (heavy transport motor-cab). Specific class match matters: a HGMV holder cannot drive an HPMV (bus) without the HPMV endorsement. Confirm all heavy-vehicle rules — minimum age 20/21/22, 1-year LMV-T experience, transport badge, re-training every 3 years.

HMV को label की तरह लें; हमेशा drill down करें कि DL पर कौनसी heavy class endorsed है — HGMV, HPMV, पुराना HTV, या HTVM (heavy transport motor-cab)। Specific class match ज़रूरी: HGMV holder को HPMV endorsement के बिना HPMV (bus) नहीं चलाने दिया जा सकता। heavy-vehicle नियम — न्यूनतम उम्र 20/21/22, 1-साल LMV-T अनुभव, transport badge, हर 3 साल में re-training।

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

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