MAM
Brands must identify, promote advocates for a better future
NEW DELHI: The ongoing Covid2019 crisis and lockdown is a difficult time for brands across the globe. Retail and D2C players are too faced with wide uncertainties as people are not willing to spend much. However, as per the Department of International Trade, UK, this time comes with a silver lining; as the consumers can’t go outside they have a lot of time in hand to explore, and brands, therefore, must pivot their focus from direct sales to focusing on digital customer engagement.
The department hosted a webinar on Thursday in association with brand advocacy firm Duel, highlighting how brands can utilise this opportunity to keep their user community engaged during the crisis with zero budgets. Speaking on the panel were Duel founder Paul Archer, and lead brand and community consultant Jaclyn Crocker.
As explained by Crocker, consumers of today no longer base their loyalty on price or product but instead on experiences they receive. Therefore, brands should be looking at consumer experience from a holistic perspective and build strong emotional connect with them. For this, brands will have to be very specific about their values, in not only what they stand for but also what they ‘rage against’.
She elaborated that what distinguishes a great brand from an average brand is its capability to turn consumers into advocates and creating an organic growth channel with minimal ad spends.
“At Duel, we believe that the greatest companies of the next decade will be those who focus on driving advocacy and word-of-mouth from those who love them. Therefore, the brands must be thinking long-term, maintaining a honest and generous outlook towards consumers, investing in remarkable consumer experience by constantly seeking feedback, and building strong networks and communities.” Crocker said.
She added that consumers today are looking for more transparency from businesses and more human connection.
She also shared a trick to segment the existing customer base into CRM, customers, loyalists, advocates, and super fans and acting proactively in a different manner for each subset.
She insisted that a brand must be investing in appraising and rewarding its advocates and also shared a formula to calculate the value of an advocate for a brand.
She added that brands can promote advocacy by rewarding the superfans and advocates via discounts, and special experiences. However, if as a brand one has not been giving discounts ever since, it might not be the right time to start doing that.
In conclusion, she insisted that brands should really be focussing on creating a strong user base that turns into advocates for them for a brighter future.
Many drivers assume basic coverage is just a formality until an accident involving someone else brings legal notices, compensation claims, and unexpected financial pressure. At that point, the real importance of car insurance becomes clear. A single road incident can quickly create obligations that are difficult to manage alone.
In this blog, you will learn how third-party online cover supports legal safety, what it includes, and why securing it online is a smart first step.
Why Third-Party Insurance is Legally Mandatory
Indian motor law requires vehicles used on public roads to carry third-party liability cover. The intent is to protect the public by ensuring there is a recognised route for compensation when a vehicle causes harm to others.
If a vehicle is driven without this cover, penalties can apply, and the owner may have to pay the compensation amount personally if legal liability is decided against them. This helps ensure that people who suffer loss are not left without support.
How Third-Party Online Insurance Works
When third party car insurance is purchased online, the proposer shares vehicle and personal details, pays the premium, and receives the policy document in digital form. The cover applies during the policy period and provides legal liability protection for others arising from the use of the insured vehicle.
If an incident leads to a claim, the process usually involves reporting, submitting required papers, and following the steps set by the authority handling the matter.
What is Covered Under Third-Party Insurance?
This cover is designed to pay for losses suffered by others when legal liability is established. The response depends on the policy terms, the evidence, and the decision made during the claim proceedings.
Bodily Injury to Third Party
If someone else is injured in an accident involving the insured vehicle, the policy can cover the insured person’s legal liability. Compensation is assessed using medical records and other supporting documents, along with findings on responsibility. Payment is made based on the final compensation amount decided in the case, as per the policy terms.
Property Damage
If another person’s property is damaged, the policy can respond to the insured person’s liability for that loss, within the limit mentioned in the policy. The amount is generally based on documents that support ownership and the assessed repair or replacement cost. Timely reporting and clear paperwork can reduce delays in assessment.
Legal Support During Claim Proceedings
Third-party claims can involve notices, hearings, and filings because they focus on legal liability. Under the policy terms, the insurer may assist in organising documents and managing parts of the defence process through appointed representatives. This can support orderly communication and reduce missed deadlines.
What is Not Covered
Third-party cover is narrow, so some common expenses are excluded. These exclusions are common, but the exact details depend on the policy terms.
● Damage to the insured vehicle is not covered, including repair costs.
● Loss or damage to the insured person’s belongings is not covered.
● Injury cover for the owner-driver or passengers is typically separate.
● Claims linked to use that breaches policy terms may not be payable.
● Contractual promises beyond legal liability are generally not included unless stated.
Why Buying Online Strengthens Legal Safety
Buying online does not change legal duties, but it can make compliance easier to maintain and easier to prove. Digital records also support clarity if cover dates are questioned after an incident.
● Digital issuance can reduce the risk of an accidental gap in cover.
● A stored e-policy can be retrieved quickly when proof is requested.
● Receipts and time stamps help confirm when the policy was active.
● Online renewals can support timely payment and avoid lapsed cover.
● Clear documents make limits and required steps easier to understand.
Conclusion
Third-party liability cover is a direct step towards legal protection because it covers losses suffered by others when a vehicle causes harm. It supports compliance and reduces the risk of penalties for uninsured driving. Buying online can help keep policy documents, dates, and receipts easy to retrieve during checks and claim proceedings. When the cover’s scope and exclusions are understood in advance, it becomes easier to stay compliant, prepared, and confident on the road.
