Page 44 - Insurance Times April 2022

MOTOR INSURANCE

DRIVING LICENCE

License should satisfy two requirements of being effective and being qualified. The effectiveness is both for duration
and type where as the qualifications are the pre requisites, a person should have to possess a particular class of
license. The table below states the parameters of effective and qualified license of different category:
Effectiveness Qualification
Sec. 10 Type Validation - Duration Min. Others
Age
a) M/Cycle not If the age of Driver is <30 years on the 16 yrs No
exceeding 50 CC date of issuance of DL - date on which
the driver attains the age of 40 years
b) M/Cycle with gear If the age of Driver is >30 years 18 yrs.
but <50 years - 10 yrs
c) Adapted Vehicle If the age of Driver is >50 years
but <55 years - date on which
d) LMV (with GVW the driver attains the age of 60 yrs
upto 7500 Kgs.) If age of Driver is > 55 yrs.- 5 years
e) Transport Vehicle 5 years 20 yrs No Learner Licence issued.
One year after issuance of
LMV Licence
f) Road Roller 3 years 20 yrs. Medical Required
Learners Licence 6 months Depends on Vehicle
Expired Licence If the application for renewal of the license NA All licences except
is made either one year prior to date of its Learner's Licence
expiry or within one year after the date of
expiry-Renewal of License w.e.f. the date
of its renewal. If the validity of license has
lapsed for more than 1 year, the driver
shall have to undergo refresher course.
Endorsement to carry 3 years and renewal thereof shall be 20 yrs Medical/Transport Veh.
goods of dangerous subject to such conditions as Licence/English and one
or Hazardous nature: the Central Govt. may) prescribe. language from schedule VII
Amendment 1994 in MV Act 1988 (effective from for such period, as may be prescribed by the Central
14-11-1994) Government.
Y The word "Without Gear has been replaced with upto Y Validity for transport Vehicle depends on Fitness ie.
50 CC" RC valid only when vehicle carrying Certificate of
Fitness.
Y Medium Goods Vehicle/Medium Passenger Vehicle
and Heavy Goods Vehicle/Heavy Passenger Vehicle Y Temporary Registration valid for 1 month
have been replaced by a single entry "Transport Y In case of transfer/Sale of vehicle
Vehicle". O Seller to report the sale within 14 days for transfer
in the same state or 45 days in case vehicle is
Registration Certificate registered outside the state.
Y Sec. 39 states that No person shall drive or permit O Owner to apply for transfer within 30 days from
any motor vehicle to be driven in any public place or the date of sale.
in any other place unless the vehicle is registered in In case of Total Loss, Owner to send RC to
accordance with the Motor Vehicle Act, 1988. O
concerned RTO within 14 days for its cancellation.
Y Valid throughout India. To be ensured by insurer before releasing the
Y Valid upto 15 years from the date of issue, Renewal claim payment.

44 The Insurance Times, April 2022