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Motorcycle/Car CTPL

Drive with confidence, free from worry.

CTPL Insurance safeguards motorists by providing essential protection against liabilities—ensuring victims of road accidents receive the rightful compensation they deserve.

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Overview

Smart coverage for every journey

Compulsory Third Party Liability (CTPL) Insurance is a mandatory requirement by the Land Transportation Office (LTO) for all motor vehicles in the Philippines. This product ensures compliance with government regulations while protecting policyholders from financial burdens in case of accidents involving third parties.

Cover Summary

CTPL Insurance safeguards motorists by providing financial protection against liabilities for bodily injury or death of third parties caused by the insured vehicle.

Death Indemnity – up to ₱200,000

Provides compensation to the heirs of a third party who dies as a result of an accident involving the insured vehicle. This includes funeral and burial expenses, ensuring families receive financial support during a difficult time.

Permanent Disablement – scheduled benefits depending on injury type

Covers specific injuries such as loss of limbs, eyesight, or other permanent disabilities. Each type of disablement has a fixed indemnity amount (e.g., ₱50,000 for loss of two limbs, ₱20,000 for loss of one eye), helping victims cope with long-term consequences.

Medical Expenses – hospitalization, surgery, drugs, ambulance services (capped per confinement)

Reimburses actual medical costs incurred by the injured third party, including hospital confinement, surgical procedures, medicines, and ambulance fees. Coverage is subject to maximum limits per confinement, ensuring immediate medical care is accessible.

No-Fault Indemnity – up to ₱15,000 regardless of fault

Provides quick financial assistance for medical expenses even if liability has not yet been established. This ensures victims receive urgent treatment without waiting for investigation or fault determination.

Exclusions – does not cover property damage or injuries to the driver/vehicle occupants

CTPL strictly covers third parties only. It does not pay for damages to vehicles, property, or injuries sustained by the driver, passengers, or vehicle owner. For these, a comprehensive motor insurance policy is required.

Why CTPL is Essential for motorists?

Affordable premiums starting at around ₱290/year (varies by vehicle type)

LTO-accredited and recognized nationwide

Quick online purchase and instant Certificate of Cover (COC) issuance

Hassle-free claims process with accredited workshops and partner hospitals

Let us now get your drive fully protected

Secure your journeys today—get a personalized CTPL Insurance with fast processing and dedicated support you can rely on.

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Frequently Asked Questions About CTPL Insurance

Got questions about CTPL? Find quick answers here.

What is CTPL Insurance?

CTPL is a mandatory insurance policy that covers liability for bodily injury or death of third parties caused by the insured motor vehicle.

Is CTPL required for vehicle registration?

Yes. A valid CTPL Certificate of Cover (COC) is required by the LTO to register or renew your vehicle.

What’s the difference between CTPL and comprehensive insurance?

- CTPL covers injuries to third parties only.
- Comprehensive insurance covers your vehicle, third-party damage, theft, and more.

Does CTPL cover property damage or my own vehicle?

No. CTPL only covers bodily injury or death of third parties. For property damage or own-vehicle coverage, you need a comprehensive motor insurance policy.

How long is CTPL valid?

Immediately:

- New vehicles: up to 3 years (aligned with initial registration)
- Non-brand new vehicles: typically 1 year, renewable annually

What is No-Fault Indemnity?

It provides up to ₱15,000 coverage for medical expenses regardless of who is at fault in the accident.