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
Benefits and Coverages:
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 |
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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.
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 PHP 200,000 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:
• Website: https://philfirst.com.ph/fileaclaimpage.php
• Email: [email protected]
• Contact: +632 8-892-8888