MAM
WAT’s Your Big Idea wraps up second edition
MUMBAI: Digital and social media agency WATConsult wrapped up its second season of WAT’s Your Big Idea (#WYBI) yesterday in Mumbai.
The winning trophy was awarded to WAT’s in the Name from MICA. The first runner-up was team BhaiBhaiBhai from MICA, while the second runner-up position was awarded to ThreeTwoOne from IIMC – Delhi.
This year WAT’s Your Big Idea received over 240 entries from 390+ students who participated from leading institutions like MICA, SIMC, XIC, IIMB, IIM (Indore), SP Jain, Jamnalal Bajaj, NMIMS, MET and Jai Hind.
Teams had to create campaigns on the basis of brand objective, target audience, target market and challenges faced. ITC Savlon’s brief was to increase usage of hand-wash in households and to increase usage, while HE Face Wash looked for an integrated marketing idea for its newly launched product, waterless face wash.
Naturolax’s marketing objective was to establish a new brand positioning, thereby driving new trials and increase market share. Jack & Jones’ core objective was to establish itself in the men’s comfort zone brand and gain branding visibility along with garnering actual footfalls and sales. Madame Tussauds looked for ideas which helped in increasing repeated walk-ins and ideas on new possible opportunities to drive revenues while Swarovski wanted ideas which helped increase sales and create a brand visibility in its TG.
The shortlisted teams got an opportunity to work with the team at WATConsult, to understand the nuances of digital campaigns and improvise their entries before presenting in front of the esteemed jury, which comprised Rajiv Dingra (founder and CEO, WATConsult), Jaikishan Chhaproo (head media and PR, ITC), Praveen Das (co-founder & managing director, Happy Mcgarrybowen), Vineet Gautam (CEO, Bestseller Group) Sukanya Dutta Roy (MD, consumer goods division, Swarovski), Sabia Gulati (head, sales & marketing, Madam Tussauds) Rajesh Kamat (VP, strategy & operations, Piramal Enterprises) and Anoop Agarwal (DGM marketing, Emami Group).
WATConsult founder and CEO Rajiv Dingra says, “This year we have received a tremendous response, the entries were more than double from last year and the quality of work was also commendable. We hope to take this initiative to greater heights next year.”
Dentsu Aegis Network chairman and CEO of South Asia Ashish Bhasin adds, “WATConsult has been doing an excellent job with WAT’s Your Big Idea and I would like to congratulate them on the same. Also, would like to extend my wishes to the winning teams on the fabulous ideas they came up with.”
WYBI provides a unique platform and opportunities to the next generation in the field of digital advertising and marketing. Launched last year, the first edition saw more than 150+ registrations, 120 entries, 250 students participating and 28 teams. This year besides the cash prize of Rs 1 lakh, an endorsed certificate and an assured job offer, the winning team will also get an opportunity to visit Cannes Lions in 2018.
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.
