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MCWOG — Motorcycle Without Gear (≤ 50 cc, mopeds)

MCWOG — Motorcycle Without Gear (≤ 50 cc, mopeds). MCWOG class authorises the holder to drive a motorcycle WITHOUT gear — essentially mopeds and some. — DigiSurvey.

What it covers क्या कवर होता है

MCWOG class authorises the holder to drive a motorcycle WITHOUT gear — essentially mopeds and some electric two-wheelers up to 50 cc engine capacity (or equivalent EV wattage). Minimum age 16 years, no transport endorsement needed. CANNOT be used to drive geared scooters or motorcycles.

MCWOG class — gear-रहित motorcycle (मुख्यतः mopeds और कुछ electric two-wheelers 50 cc तक या equivalent EV wattage) चलाने की अनुमति। न्यूनतम उम्र 16 वर्ष, transport endorsement नहीं चाहिए। gear वाली scooter या motorcycle चलाने का अधिकार नहीं।

Policy wording sample"The person driving the two-wheeler at the time of accident shall hold an effective Driving Licence of the appropriate class (MCWOG for motor-cycles without gear up to 50 cc; MCWG for motor-cycles with gear or above 50 cc) as prescribed under Section 3 and Section 10 of the Motor Vehicles Act, 1988."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Common pitfall: a geared Honda Activa (yes — it has an automatic transmission but no gear, debated) / Access / TVS Jupiter is actually MCWOG class in most RTO databases, as they are gearless twist-and-go. For a genuinely GEARED two-wheeler (Splendor, Pulsar, Royal Enfield, Yamaha FZ), the DL must say MCWG, not MCWOG — a MCWOG-only driver on a geared bike is uninsured.

आम pitfall: gear-less twist-and-go Honda Activa / Access / TVS Jupiter आमतौर पर RTO database में MCWOG class में हैं। पर genuine GEARED two-wheeler (Splendor, Pulsar, Royal Enfield, Yamaha FZ) के लिए DL पर MCWG होना ज़रूरी, MCWOG नहीं — MCWOG-only driver geared bike पर uninsured है।

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

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