Mandatory Protection Made Simple
CTPL insurance is a mandatory requirement for vehicle registration, but it’s more than compliance. It’s protection. This coverage ensures financial assistance for third-party bodily injury or death in case of accidents.
Quick, affordable, and hassle-free. Get insured and stay road-ready.
Key Benefits:
Covers third-party injury or death
Mandatory for vehicle registration
Fast and easy processing
Affordable premiums
Covers third-party injury or death
Mandatory for vehicle registration
Fast and easy processing
Affordable premiums
Why it Matters:
Beyond compliance, CTPL ensures you’re financially prepared to handle liabilities in case of accidents involving others.
Coverage:
A. DEATH INDEMNITY including Burial and Funeral Expenses
Php 200,000.00
B. BODILY INJURIES AND FRACTURES
| Types of Accommodation or Professional Attendance Extended | Services Rendered | Maximum Reimbursable Fees and / or Charges |
|---|---|---|
| 1. Hospital Rooms | Maximum of 45 days per accident | Php 500.00 / day |
| Laboratory Examination, Fees, X-rays | Php 2,000.00 | |
| 2. Surgical Expenses | Major Operation | Php 7,500.00 |
| Medium Operation | Php 5,000.00 | |
| Minor Operation | Php 1,500.00 | |
| 3. Anesthesiologist’s Fees | Major Operation | Php 2,500.00 |
| Medium Operation | Php 2,000.00 | |
| Minor Operation | Php 500.00 | |
| 4. Operating Room | Major Operation | Php 1,500.00 |
| Medium Operation | Php 1,000.00 | |
| Minor Operation | Php 500.00 | |
| 5. Medical Expenses | For daily visits of Practitioner or Specialists | Php 400.00 / day |
| Total Medical Expenses (Per Confinement) | Php 5,000.00 | |
| 6. Drugs and Medicines | Actual value of drugs and medicines used | Not to exceed Php 20,000.00 |
| 7. Ambulance | Actual amount charged | Not to exceed Php 1,500.00 |
C. PERMANENT DISABLEMENT
| Type of injury | compensation |
|---|---|
| Loss of or Loss of Use of Two Limbs | Php 50,000.00 |
| Both Hands or All Fingers & Both Thumbs | Php 50,000.00 |
| Both Feet | Php 50,000.00 |
| One Hand and One Foot | Php 50,000.00 |
| Sight of Both Eyes | Php 50,000.00 |
| Injuries resulting in being permanently bedridden | Php 50,000.00 |
| Any other injury causing permanent total disablement | Php 50,000.00 |
| Arm at or above elbow | Php 20,000.00 |
| Arm between elbow and wrist | Php 15,000.00 |
| Hand | Php 15,000.00 |
| Four Fingers and Thumb of One Hand | Php 15,000.00 |
| Four Fingers | Php 12,000.00 |
| Leg at or above knee | Php 20,000.00 |
| One Foot | Php 15,000.00 |
| All Toes of One Foot | Php 10,000.00 |
| Thumb | Php 8,000.00 |
| Index Finger | Php 6,000.00 |
| Sight of One Eye | Php 20,000.00 |
| Hearing – Both Ears | Php 30,000.00 |
| Hearing – One Ear | Php 15,000.00 |
Eligibility:
All vehicles (car/sedan, SUV, Jeepneys, Trucks, Motorcycles)
Frequently Asked Questions
What is CTPL Insurance?
CTPL stands for Compulsory Third Party Liability insurance. It is a basic motor vehicle insurance required by law in the Philippines to protect third parties (other people) who may be injured or killed in an accident involving your vehicle.
Is CTPL insurance mandatory?
Yes. CTPL insurance is required by the Land Transportation Office (LTO) for vehicle registration or renewal.
What does CTPL insurance cover?
CTPL covers bodily injury or death caused to a third party due to an accident involving your insured vehicle. It does not cover damage to property, your own injuries, or your vehicle’s repairs.
Always check your policy’s full list of exclusions.
Who is considered a third party?
A third party is any person other than a passenger, family member, or employee of the vehicle owner, who is injured or killed in an accident involving the insured vehicle.
How much is the CTPL insurance coverage?
The coverage provides up to PHPXXX,XXX for third-party bodily injury or death, as mandated by the Insurance Commission.
Does CTPL insurance cover vehicle damage?
No. CTPL only covers bodily injury or death of third parties. For vehicle damage coverage, you need a Comprehensive Motor Insurance policy. You may check out our comprehensive motor insurance called AutoFirst through this link, https://philfirst.com.ph/products.php#autofirst.
How can I buy CTPL insurance?
You can purchase CTPL insurance through:
• Authorized PhilFirst insurance agents
• PhilFirst offices/branches
• Online – https://ctpl.quickpolicy-pfic.link/
How long is CTPL insurance valid?
CTPL insurance is valid for one year from the date of issuance and should be renewed annually along with your vehicle registration.
What documents are needed to apply for CTPL insurance?
Typically, you need:
• Your vehicle’s Official Receipt (OR) and Certificate of Registration (CR)
• Valid government ID
Can I claim CTPL insurance if I am at fault in the accident?
Yes. CTPL pays for third-party bodily injury or death regardless of who is at fault, within the policy’s limits.
How to file a claim?
You may file a claim through the following options:
🌐 https://philfirst.com.ph/fileaclaimpage.php
✉ [email protected]
📞 +632 8-892-8888