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MCWG — Motorcycle With Gear (geared 2W, > 50 cc)

MCWG — Motorcycle With Gear (geared 2W, > 50 cc). MCWG class authorises the holder to drive a motorcycle WITH gear and above 50 cc capacity — Hero. — DigiSurvey.

What it covers क्या कवर होता है

MCWG class authorises the holder to drive a motorcycle WITH gear and above 50 cc capacity — Hero Splendor, Bajaj Pulsar, TVS Apache, Royal Enfield, Yamaha FZ etc. Minimum age 18 years. Covers all motorcycles irrespective of cc (there is no separate "high-cc" sub-class in CMVR). A MCWG holder can also drive MCWOG vehicles.

MCWG class — 50 cc से ऊपर और GEAR वाली motorcycle (Hero Splendor, Bajaj Pulsar, TVS Apache, Royal Enfield, Yamaha FZ आदि) चलाने की अनुमति। न्यूनतम उम्र 18 वर्ष। हर cc की motorcycle (CMVR में अलग "high-cc" sub-class नहीं)। MCWG धारक MCWOG गाड़ियाँ भी चला सकता है।

Policy wording sample"The policy shall cover an accident while the vehicle is being driven by the insured or by any other person who holds an effective Driving Licence of the class MCWG, provided such licence has not been disqualified at the time of the accident."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Verify (i) MCWG endorsement explicitly printed on the DL, (ii) DL not expired on DOL, (iii) rider age ≥ 18 at the time of loss. For CPA on an owner-driver two-wheeler, the owner must hold MCWG matching the vehicle category (not just any DL) — a learner driving solo on a geared bike is a frequent cause of CPA repudiation.

पक्का करें — (i) DL पर MCWG endorsement साफ़ छपा हो, (ii) DOL पर DL expired नहीं, (iii) नुकसान के समय rider की उम्र ≥ 18 वर्ष। owner-driver two-wheeler पर CPA के लिए owner का MCWG हो जो गाड़ी-category से match करे (कोई भी DL नहीं) — geared bike पर अकेला learner CPA repudiation की लगातार वजह है।

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

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