Compulsory Third Party Liability (CTPL) Insurance
CTPL is a mandatory insurance required by the LTO when registering your vehicle. It covers any liability for injuries or death caused to a third party in
case of a road accident.
Share the road safely—stay prepared for whatever comes your way.
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TARIFF RATES
CTPL will pay for expenses resulting from bodily injury or death of a third party in a vehicular accident up to ₱ 200,000 per occurrence.
Frequently Asked Questions
Explore these FAQs to learn more about it.
The following are the requirements to file for Bodily Injury/Death Claim.
Police Report
Driver’s license and Official Receipt
Vehicle Registration Certificate and Official Receipt
Third Party - Bodily Injury:
Medical Certificate
Receipts of Medicines & Medical Expenses
Medical Prescriptions
Hospital Bills/SOA
Birth Certificate (if minor)
Death claim documents:
Death Certificate
Funeral/Burial Receipts
Birth Certificate (if minor)
Marriage Contract (if married)
Medical or hospital receipts hospitalized and
Affidavit of Desistance or quitclaim (if the payment was advanced by the insured)
The Certificate of Cover is a vital part of the CTPL policy. It's the document needed by the Land Transportation Office (LTO) for processing the vehicle's certificate of registration, ensuring that it is legally registered for use.
No, CTPL does not cover property damage to a third-party's property. It only provides coverage for bodily injury or death of a third-party person.
CTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.
No Fault Indemnity means our company will cover your accident expenses of up to ₱15,000, regardless of who's at fault.
Yes. While Comprehensive Motor Insurance is optional when you register a vehicle in the Philippines, it is a legal mandate for vehicle owners to have a valid Compulsory Third Party Liability (CTPL) Insurance,. So driving without one can get you into trouble.