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 ₱75.40 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