MAM
Weekend Unwind with: BBH ECD Priya Gurnani
Mumbai: With another weekend upon us, it is time to unwind with the latest Q&A edition of Indiantelevision.com’s Weekend Unwind — a series of informal chats that peek into the minds of corporate executives through a fun lens in an attempt to get to know the person behind the title a little better.
In this week’s session, BBH India’s recently elevated executive creative director Priya Gurnani poured out her thoughts.
With over 15 years of experience, Gurnani specialises in building creative communication that is at the intersection of brands, culture, and consumer behavior. In the past, she has worked with Ogilvy, Leo Burnett, McCann Worldwide, and Contract Advertising.
In her advertising career, Gurnani has created culture-defining work for brands like Stayfree, Yatra.com, Heineken, Kingfisher Ultra, Amstel, and Zee5. Most recently, she conceptualised and wrote the lyrics to a rap song for Zing’s “Apni Vibe Apni Tribe” campaign. In 2009, she was amongst the winners of the Cannes Young Lions.
So, without further ado, here it goes…
· Your mantra for life
To have fun while pursuing my dreams. Because if you aren’t enjoying what you are doing, you are just wasting your precious time.
· A book you are currently reading / plan to read
I love to read new perspectives on humankind and human psychology. Currently reading “Homo Deus” by Yuval Noah Harari.
· Your fitness mantra, especially during the pandemic
Strong believer of “Yoga se hi hoga.” Post-covid I had a really tough time coming to a complete recovery. Yoga is what healed me and kept me going through the difficult health issues.
· Your comfort food
Anything that my mum cooks.
· When the chips are down a quote/philosophy that keeps you going
In an actors’ round table, Tom Hanks mentioned how he always reminds himself, “This too shall pass.” This phrase, he said, is particularly important when you are at the peak of success, as it helps keep you grounded. I keep these words close by in good times and bad.
· Your guilty pleasure
Watching mindless reality TV, especially “The Real Housewives of Beverly Hills.”
· When was the last time you tried something new?
Last week. I love experimenting with food. Bought these Chinese glass noodles to try.
· A life lesson you learnt the hard way
I am not that important in the bigger scheme of things, and the world doesn’t revolve around me.
· What gets you excited about life?
Travelling to different countries and experiencing new cultures and cuisines really fills my happiness cup.
· What’s on top of your bucket list?
Travel to New York and watch Broadway.
· If you could give one piece of advice to your younger self, what would it be?
Why so serious? Live a little.
· One thing you would most like to change about the world
I propose “Free movement for all.” I want a world without borders, or passports, to be precise. A world where there are no immigrants and refugees, just people migrating at will like birds.
· An activity that keeps you motivated / charged during tough times
Painting has seen me through my highs and lows. I am no M. F. Hussain, but expressing my artistic self without judgement and freely is very liberating.
· What lifts your spirits when life gets you down?
It changes from time to time. Sometimes it’s cooking, sometimes taking a dance class, at times listening to Badshah’s songs, and sometimes just chit-chatting with a friend about a show we both watch.
· Your go-to stress buster
I can always bank on a good workout to bust that stress.
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.
