What is CTPL Insurance and how to get one? 

Your motor vehicle’s registration expired. Now you need to renew, but the LTO (Land Transportation Office) and some of your friends informed you that you need CTPL Insurance. 

You may be wondering and asking questions like, what is CTPL Insurance? What does CTPL Insurance cover? And where do I get one? 

In this blog, we will explain what CTPL Insurance is, what it covers, how to process a claim, and how to easily get one.

So let’s get started.

What is CTPL Insurance?

CTPL short for Compulsory Third-Party Liability Insurance is a type of Car Insurance that is required by the LTO upon your motor vehicle registration in the Philippines. 

You may also have heard about TPL Insurance but don’t get confused because both TPL and CTPL refer to compulsory third-party liability insurance.

The purpose of CTPL Insurance is to offer you protection for the financial liability that your motor vehicle caused to third parties’ bodily injuries or death during an accident. 

Who is covered by CTPL Insurance?

When an unexpected accident happens with you on the road (knock on wood), keep in mind that not everyone will be covered by CTPL Insurance.

So It’s important to know who is protected by CTPL Insurance and which type of coverage you get because there are different kinds of car insurance and they offer different protections.

Here are the third parties who are covered by CTPL Insurance and those who are not.

Third parties covered by CTPL Insurance

• Pedestrian (a person walking along the road)
• Driver of another private vehicle
• Passenger of another private vehicle 
• Cyclist

Here are some example cases of third parties that are covered by CTPL Insurance

✅ When your car hits a pedestrian that is not your family or relatives, they are covered with CTPL Insurance.

✅  When your car crashes into another car, the passengers from the other car are covered with CTPL if they are NOT your family member.

Third parties not covered by CTPL Insurance

• The driver of the insured vehicle 
• Passengers of insured vehicle
• Family members of the insured vehicle 
• Employees of the insured vehicle 
• Unauthorized driver (drivers without driver’s license)
• Passenger of public transport (e.g trains, jeepney, bus)

Here are some example cases of third parties that are NOT covered by CTPL Insurance.

❎ If you hit another car, you as the driver are NOT covered with CTPL Insurance.

❎ When your car hits a pedestrian that is your family and relatives, they are NOT covered with CTPL Insurance.

What is the coverage of CTPL Insurance?

CTPL insurance covers you up to 200,000 for the financial liability that you may cause during an accident whether your motor vehicle is a motorcycle, private car, or heavy truck.

For a detailed breakdown, see the figures below. 

Death Indemnity

• Coverage of ₱200,000 for death, including burial and funeral expenses.

Bodily Injuries and Fractures (Hospital & Medical Coverage)

• Hospital Room Fees: ₱500 per day (up to 45 days).
• Surgical Expenses:
  • Major Operation: ₱7,500
  • Medium Operation: ₱5,000
  • Minor Operation: ₱1,500
• Anesthesiologist Fees:
  • Major Operation: ₱2,500
  • Medium Operation: ₱2,000
  • Minor Operation: ₱500
• Operating Room Fees:
  • Major Operation: ₱1,500
  • Medium Operation: ₱1,000
  • Minor Operation: ₱500
• Medical Expenses: ₱400 per day (Max ₱5,000 per confinement).
• Drugs & Medicine: Reimbursed up to ₱20,000.
• Ambulance Charges: Up to ₱1,500.

Permanent Disablement Compensation

• Covers various disabilities, including:
  • ₱50,000 for loss of two limbs, both hands, both feet, the sight of both eyes or total permanent disablement.
  • ₱20,000–₱30,000 for loss of arm, leg, sight in one eye, or hearing.
  • ₱8,000–₱15,000 for partial disabilities (e.g., loss of fingers, thumb, or toes).

Other Incidental Expenses

• Reimbursement of up to ₱10,000 for other accident-related expenses not covered under medical benefits.

How to get CTPL Insurance in the Philippines

To get CTPL Insurance, you can purchase directly from Insurance companies, agencies, and licensed insurance brokers. These companies are usually found and have branch offices near the LTO office. 

Alternatively, you can compare prices and get better deals that offer more convenience when you buy CTPL Insurance online through platforms like Magpainsure.

How to claim CTPL Insurance

In case a road accident happens, the first thing that you need to do is contact your Insurance company provider so they can assist you with the claim process. 

Here are the requirements that you may need to prepare for a CTPL insurance claim:

• Police report
• driver’s license and official receipt of the insured motor vehicle
• Your motor vehicle’s OR (official receipt) / CR (certificate of registration)
• medical certificate for the injured third party
• hospital bills and receipts
• depending on the case, a death certificate and proof of legal beneficiaries

Once your claim has been approved, the insurance company will release the payment to cover medical expenses or provide compensation for the death of the third party.

CTPL vs Comprehensive Car Insurance

In this blog post, we only talk about CTPL Insurance, which is again, required by LTO upon renewing your vehicle’s yearly registration. Another Car insurance that you need to know is Car Comprehensive Insurance. 

So what is Car Comprehensive Insurance? From the name it implies, it offers complete protection to your motor vehicle in case of unexpected events such as vehicular accidents, theft, and acts of nature like fire and typhoon.

And it doesn’t just cover your vehicle, it protects the driver and its passengers as well. Plus, most Car Comprehensive Insurance have CTPL Insurance included already in the policy so you won’t have to purchase another one separately.

Although this type of Car Insurance costs more, It offers you comprehensive protection that gives you peace of mind when the unexpected happens and that you are better prepared for it.

Frequently Asked Questions

What is TPL Insurance? 

TPL Insurance is the same as CTPL Insurance. Both refer to compulsory third-party liability insurance.

Is TPL or CTPL Insurance required? 

Yes, the LTO requires it upon your motor vehicle registration in the Philippines. 

Due to the great number of accidents happening every year in the Philippines, the government decided to require motor vehicle owners to become more responsible for having CTPL Insurance as a requirement upon motor vehicle registration.

Is Comprehensive Car Insurance required?

No, Comprehensive Car Insurance is not required by LTO. However, it is essential to have one because it offers comprehensive protection in case of the unexpected. 

Why Should I get CTPL Insurance online?

Buying car insurance online is more convenient and often cheaper than purchasing it on-site. It allows you to compare prices, complete the process quickly, and avoid long lines.

How much is CTPL Insurance?

The price depends on the type of motor vehicle you have. With Our Insurance partners, you may get it for as low as 296 pesos for motorcycles and up to 1,246 pesos for heavy trucks.  

When should I get CTPL Insurance?

For brand-new vehicles, car dealers typically include a 3-year CTPL insurance policy as part of the registration package. However, it’s best to confirm with your dealer to ensure that CTPL coverage is included.

After the initial 3 years, you must renew your CTPL insurance annually to comply with LTO registration requirements.

Final Thoughts

CTPL Insurance isn’t just for the sole purpose of complying with LTO’s requirement for renewal, but it also makes you become a responsible driver who supports your obligations to third parties in case of an accident on the road.

If you’re looking for a cheap and convenient way to buy CTPL Insurance online, look no further because Magpainsure.com connects you with LTO-complaint Insurance Companies in the Philippines.