MAM
WPP’s 3D findings offers new TV viewer insights
MUMBAI: * Almost 30 per cent of viewers change channels during commercial breaks.
* Mumbaikars are more receptive to television advertising than Bangalore viewers, much more of whom find nearly all TV ads annoying.
* In Mumbai and Lucknow TV’s role as a “information provider” is far less than other cities.
* TV’s importance is least when it comes to understanding brand characteristics.
These are just some of the key findings of the 2003 Round 1 3D report released by Media Consumer Insights (MCI), the research division of WPP Marketing Communications India. The survey covered 28 categories and over 260 brands and the relationships consumers have with these brands.
Since these results are released twice a year, 3D offers a continuous tracking of brand health, shifts, in consumer preferences, among other insights, says WPP India’s director of marketing and corporate affairs, Sai Nagesh. With over 8,000 respondents, 3D is the largest proprietary survey in India, says Nagesh, adding that the fieldwork was done by research agency IMRB.
Content viewers choose to watch was one of the questions tackled in the survey. And not surprisingly, viewers in India’s commercial capital Mumbai (11 per cent) were far more inclined to watch business shows than those from Chennai (3 per cent).
There is more to the Mumbaikar than money though, with 12 per cent watching documentaries compared to just 1 per cent in Chennai.
Travel shows are big with Kolkatans with 18 per cent watching as opposed to just 8 per cent among viewers in Hyderabad. It would appear that Chennaiites like to gab what with over 30 per cent watching talk shows as against just 10 per cent in the capital Delhi.
There is some bad news for TV advertisers as far as Mumbai is concerned. It has the largest percentage of viewers (34 per cent) that reach for the remote and switch channels during the commercial break. A seven-city comparison shows that Kolkatans seem the most laid back with only 22 per cent reaching for the remote while the average is just under 30 per cent.
Among those who find all TV advertising annoying, Bangalore leads the “no-ad brigade” with over 14 per cent, twice that of Mumbai at just over 7 per cent.
Dependence on TV as an information source is the highest in Kolkata and Hyderabad at around 40 per cent and lowest in Lucknow and Mumbai at below 25 per cent.
Kolkata, conversely, has the lowest percentage of couch potatoes with just 1.5 hours spent in front of the TV on weekdays. Bangalore citizens spend the most time in front of the TV at over 2.7 hours followed closely by Chennai (2.6 hours).
IMPACT INDEX: TV’s importance is least when it comes to understanding brand characteristics and highest for finding out about the launch of new products. The second most important value of a TV ad campaign is to get a positive image for the brand. Decisions on which brand to buy come third.
The respondents for the 3D survey, aged between 15-55 years, were drawn mostly from SEC ABC but D/E were also covered in some markets and for some categories, says Nagesh. Towns in Tamil Nadu, Andhra Pradesh, Karnataka, Maharashtra, Uttar Pradesh having populations over 100,000 were in the survey, as too the cities of Delhi, Kolkota, Kochi, Ludhiana and Ahmedabad.
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.
