ctpl INSURANCE philippines PLANS
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Compulsory Third Party Liability (CTPL) pays for expenses incurred as a result of the vehicle owner's causing bodily injury or death to any third party in an accident arising from the use of the insured motor vehicle. This coverage is the minimum coverage required to register your vehicle with the Land Transportation Office (LTO) of the Philippines.
Purchase your CTPL policy through us today at the tariff rates set by the Insurance Commission of the Philippines. Upon purchase, we will email the Certificate of Cover (COC) direct to you and you may bring this with you to the LTO for registration of your vehicle.
| VEHICLE CLASSIFICATION | PREMIUM (Inclusive of Taxes) |
| Private Car Including Jeeps and Utility Vehicles | ₱ 560.00 |
| Lignt or Medium Trucks (Own Goods) Not Over 3,930kgs. | ₱ 610.00 |
| Heavy Trucks (Own Goods) and Private Buses over 3,930kgs. | ₱ 1,200.00 |
| AC and Tourist Cars | ₱ 740.00 |
| Taxi, PUJ and Mini Bus | ₱ 1,100.00 |
| PUB and Tourist Bus | ₱ 1,450.00 |
| Motorcycles, Tricycles or Trailers | ₱ 250.00 |
Please Note: There is a additional verification fee of ₱46.00 per vehicle on top of the premium due to the ISAPCOCAS Authentication System (See HERE).
Your CTPL policy will cover up to PHP100,000 in third party-liability as well as the following schedule of indemnities for bodily injury and/or death.
| A. DEATH INDEMNITY | ₱ 70,000.00 | |
| Burial and Funeral Expenses | 30,000.00 | |
| B. BODILY INJURIES AND FRACTURES | ||
| Types of Accomodation of
Professional Attendance Extended |
Service Rendered | Maximum Reimbursable Fees and/or Charges |
| 1. Hospital Rooms | Maximum of 45 days per accident Laboratory examination fees, X-rays |
₱ 500.00/day 2,000.00 |
| 2. Surgical Expenses | Major Operation Medium Operation Minor Operation |
7,500.00 5,000.00 1,500.00 |
| 3. Anesthesiologist's | Free Major Operation Medium Operation Minor Operation |
2,500.00 2,000.00 500.00 |
| 4. Operating Room | Major Operation Medium Operation Minor Operation |
1,500.00 1,000.00 500.00 |
| 5. Medical | For daily visits of Practitioner or Specialists The total amount of medical expenses must not exceed |
400.00/day 5,000.00 |
| 6. Drugs and Medicine | (For a single preiod of confinement) Actual Value of drugs and medicine used but not exceed | 20,000.00 |
| 7. Ambulance | Actual amount charged for ambulance transport but not exceed | 1,500.00 |
| C. PERMANENT DISABLEMENT | ||
| Loss of or Loss of use of: | ||
| Two Limbs | P50,000.00 | |
| Both Hands, or All Fingers & Both Thumbs | 50,000.00 | |
| Both Feet | 50,000.00 | |
| One Hand and One Foot | 50,000.00 | |
| Sight of Both Eyes | 50,000.00 | |
| Injuries resulting in being permanently bedridden | 50,000.00 | |
| Any other injury causing permanent total disablement | 50,000.00 | |
| Arm at or above Elbow | 20,000.00 | |
| Arm between Elbow and Wrist | 15,000.00 | |
| Hand | 15,000.00 | |
| Four Fingers and Thumbs of One Hand | 15,000.00 | |
| Four Fingers | 12,000.00 | |
| Leg at or above Knee | 20,000.00 | |
| One Foot | 15,000.00 | |
| All Toes of One Foot | 10,000.00 | |
| Thumb | 8,000.00 | |
| Index Finger | 6,000.00 | |
| Sight of One Eye | 20,000.00 | |
| Hearing - Both Ears | 30,000.00 | |
| Hearing - One Ear | 15,000.00 |