Where To Get TPL Insurance In The Philippines?

TPL (also known as CTPL insurance) is a type of basic car insurance that every car owner in the Philippines need obtain prior to registering their vehicles with the Land Transportation Office (LTO).

TPL stands for “third-party liability,” but in the Philippines, it’s also known as “compulsory third-party liability insurance.” TPL protects you from liability in the event of an accident that injures or kills a third party, as the name implies. TPL insurance is required for all types of vehicles, including personal automobiles, commercial vehicles, lorries, and motorbikes.

How much does TPL cost?

Unfortunately, some people are hesitant to purchase automobile insurance, owing to the high cost. Some people forget that auto insurance is both a requirement of the Land Transportation Office (LTO) and a kind of reassurance or backup. Insurance protects all possible parties from financial liabilities/expenses in the event of an accident, whether caused by you or another party.

It begs the question, which is the best sort of insurance? Is it third-party liability (TPL) insurance or full coverage insurance? Let’s have a look at the alternatives.

Why is it critical for drivers to have this type of coverage? Consider what it’s like to be in the aftermath of an automobile collision. Your automobile was severely damaged, you were injured, and another vehicle was involved in the collision. Without TPL, you will not only be responsible for your own accident-related expenses, but you may also be held liable for the other party’s injuries and losses. Because drivers do not have financial protection, this can put them in a perilous situation. More importantly, this is intended to teach drivers how to be more responsible when driving.

Third-party liability (or TPL) insurance protects a person from certain liabilities arising from third-party-related mishaps or accidents. The LTO, as previously stated, needs this when purchasing a new car or renewing a vehicle’s registration. This means that you must obtain TPL coverage before you can even drive your vehicle on the road, according to the law. As a result, drivers on the road are protected from third-party losses and injuries. But how much will it set you back?

The cost of TPL is an advantage. TPL costs roughly PHP 650 per year and provides a maximum of PHP 100,000 in coverage. TPL rates are consistent among models of the same vehicle type, implying that no insurance firm can charge more than the Insurance Commission has determined (IC).

That means that whether you buy a Toyota Vios or a Mitsubishi Mirage, the TPL will cost you PHP 650. This applies to SUVs, pickup trucks, and crossovers, as well as private utility vehicles.

As a result, paying annually is cost effective and provides coverage of up to PHP 100,000. TPL, on the other hand, does not provide complete protection. “Select liability” is the crucial phrase here. So, while you are financially covered from injury, death, and property damage caused by a third party, you will be responsible for any harm to yourself or your car.

TPL can also just cover people who are not inside the car. This could be a random pedestrian, another car, or someone who isn’t a family member. TPL, on the other hand, will not cover you if you accidently hit a family member or a coworker who works under you.

Furthermore, if you need to pay for your own hospitalization, vehicle repair, or legal fees, you will have to do it from your own funds. Comprehensive Insurance, on the other hand, is for individuals who want more protection.

Comprehensive insurance, unlike TPL, is not required by law. However, it actually gives a motorist with extra protection. It not only protects you and your passengers from third-party accident costs, but it also protects you from liability. Comprehensive insurance is the finest protection a motorist can have against bodily injury, property damage, personal accident, theft, and personal damage.

The sole disadvantage of comprehensive insurance is its high cost. You can get comprehensive insurance for PHP 12,000 per year, depending on your budget and the worth of your car. However, if you require more coverage beyond the normal package, you can apply for additional coverage at a cost of a higher yearly premium, which can reach PHP 20,000.

A Toyota Vios 1.3 J, for example, can have annual coverage of around PHP 15,000 per year. When you add in a few extras like roadside assistance, towing, and Acts of God coverage (which I’ll explain later), the annual cost can easily reach PHP 22,000 or more.

Although it is costly, it gives the best coverage in the event that your vehicle is involved in an accident or incident.

So, your car is finally covered by insurance. However, you will still be charged a participation fee. You might be wondering what that is. A participation fee is a sum of money paid to an insurance provider each time you need to file a claim. You must also ‘participate’ in the cost of your car’s repair as an insurance holder.

Participation fees are required by insurance companies for a variety of reasons. To begin, the car’s driver is responsible for any damage the vehicle sustains during an accident. Second, participation fees act as a deterrent to persons who engage in fraudulent behavior. Last but not least, it is designed to deter car owners from misusing their insurance benefits.

What is the cost of participation? If you have TPL coverage, it depends depend on the size of the vehicle. Comprehensive insurance normally costs between 0.5 and 1.0 percent of a car’s current depreciated value. Only when you are at fault in an accident are you compelled to pay this type of cost. If you are not at fault, the other party’s insurance company will reimburse you through your own insurer.

Comprehensive insurance might provide you with advantages not available on TPL. Roadside help, free towing, fuel delivery, ambulance service, tire repair, battery jumpstart, and even 24/7 customer service are all options depending on the insurance coverage.

Acts of God (AOG) coverage is likely the most crucial benefit. But, before we go any farther, a word of caution. AOG isn’t typically included in full-coverage insurance plans. First, see if it’s included in the policy. If not, you’ll need to add an AOG policy on top of it.

You will be able to sleep better at night after you have AOG. Your insurance company will cover accidents caused by flash floods, earthquakes, and typhoons if you have it. Animal interaction (such as hitting an animal on the road), volcanic eruptions, fires, and even explosions are all covered by AOG. Comprehensive insurance may also cover elements of your car that have been stolen.

What would AOG set you back? The cost of AOG coverage varies according on the car’s make and model, as well as its value (especially for second-hand cars). It can cost between PHP 3,000 and PHP 6,000 on some cars, and between PHP 7,000 and PHP 9,000 on more premium models. So, if you’re thinking about acquiring AOG protection, do some research to see which insurance coverage is best for you (and your budget).

It’s not inexpensive, but compared to the trouble of dealing with a damaged vehicle that isn’t covered by AOG, it’s a little amount to pay.

Now comes the difficult question: is comprehensive insurance worthwhile? Yes, TPL is mandated by law and is more cost-effective on a yearly basis. However, due to its limits, it does not provide complete coverage. While it protects you from third-party liability, you are still responsible for any damage to your car or yourself.

Meanwhile, because of the aforementioned ‘Acts of God,’ comprehensive insurance gives you extra peace of mind. However, keeping your car insured on an annual basis costs a fair penny. Comprehensive insurance, on the other hand, ensures that you are well-protected against accident, personal property loss, theft, and even natural disasters.

Some people may consider comprehensive insurance to be an unnecessary expense. Some people may not be persuaded to pay more because TPL already provides financial security. But, just like with health insurance, wouldn’t you prefer a higher level of protection to protect you from potential financial responsibilities or expenses?

Some people may not think it’s worth it to insure a 20-year-old automobile with full coverage, but others believe their prized possession justifies it. In any case, TPL insurance is essential at the very least in order to get your car registered in the first place. You’ll be a liability for everyone on the road if you don’t have it.

How can I get Ctpl insurance in the Philippines?


  • Fill out an online application. Fill out the application form and make sure you have your registration certificate handy. Now is the time to apply.
  • Please accept our policy. Your insurance kit, as well as your Certificate of Coverage, will be sent to you through email (COC).

Can I get Ctpl in LTO?

  • Certificate of Emission Compliance (CEC) – To obtain a CEC, your vehicle must only pass an inspection and an emission test.
  • After the inspection, a properly completed and approved Motor Vehicle Inspection Report (MVIR) will be obtained and sent.

You won’t be able to renew your license without ALL of these documents. If you have to, use the Xerox machine at the branch. You’ll simply have to pay a little price to do so.

Compulsory Third Party Liability (CTPL) is a legal requirement for LTO registration or renewal of your car since it covers death or bodily injury to a third party in the event of a traffic accident. Make sure you purchase one from a reliable insurance company like Pioneer at a reasonable price. Simply go to the Customer Service or Business Center of the SM Store in the SM mall closest to you!

What is the difference between TPL and comprehensive insurance?

A comprehensive automobile insurance policy will, in general, cover you for a wide range of damages, injuries, and losses to your passengers, vehicle, and other belongings. Third-party car insurance is more limited, often covering only damage to other vehicles and their passengers.

Is 3 years insurance mandatory for cars?

The validity of any type of car insurance has traditionally been one year from the date of policy issue. However, the Supreme Court decreed in July 2018 that all new vehicle insurance policies must include third-party liability coverage for a term of three years. This was implemented to increase the number of people who have vehicle insurance and to improve help in the event of an accident.

A complete policy can be obtained for one year at a time, however a third-party liability protection must be granted for three years. This complicates the process, as having a separate insurance policy for third-party liability and another for comprehensive coverage that must be renewed annually is difficult to handle.

What does TPL insurance cover?

TPL (also known as CTPL insurance) is a type of vehicle insurance that every car owner in the Philippines is required to carry before registering their vehicle with the Land Transportation Office ( LTO). TPL stands for “third-party liability,” and it’s also known as “compulsory third-party liability insurance.”

TPL insurance shields you against liability in the event of an accident that results in the injury or death of a third person. This is a fundamental requirement for all types of cars, from personal to commercial, as well as trucks and motorcycles.

Do you need TPL If you have comprehensive insurance?

Car insurance is one approach to control risk because accidents happen no matter how skillful a driver is. Insuring an automobile protects you from unforeseen costs in the event that it is destroyed, stolen, or if a rider or driver is hurt. Car insurance is supposed to save drivers from having to pay thousands of dollars in repairs or hospital bills. It also gives you peace of mind whenever you’re on the road.

So, what is the process of getting car insurance? According to an insurance business, car insurance is a contract policy obtained by a vehicle owner in which the insured pays a premium in exchange for coverage provided by the insurance company. The extent of coverage is determined by the type of policy acquired. It can range from basic coverage for bodily harm and death of a third party to more comprehensive coverage for property damage, personal injury, theft, and other risks. Before registering or renewing their automobiles at the LTO, all vehicle owners must acquire a mandatory Third Party Liability (TPL) insurance policy. In the event of an accident, TPL compensates the third party. Comprehensive car insurance is available for an additional fee, although it is not required by law.

As a result, once a TPL or Compulsory Third-Person Liability insurance (CTPL) is purchased, the car user or owner is protected against indemnification or financial obligations to any third party wounded or killed by the insured vehicle. All vehicle owners in the Philippines must obtain CTPL coverage before registering their vehicle in order to obtain the minimum car insurance coverage required to lawfully drive in the Philippines, as mandated by the LTO.

Any liabilities incurred by the insured in terms of bodily harm and/or death of a third party caused by the operation of the insured vehicle are covered, as specified in most CTPL plans. The benefits for the third party are mentioned in the policy or at the back of the COC in circumstances of death or bodily injury.

Third-party liability only applies to third-party injuries or deaths. It does not cover the insured’s personal injury or death, as well as the injuries or deaths of his or her family or staff. It also excludes coverage for damage to the insured vehicle or third-party property. A third-party person is entitled to P70,000 in death indemnity and P30,000 in burial and funeral expenses in the event of death.

Bodily Injury expenses such as hospital rooms, surgical expenses, anaesthesiologist’s fees, operating room, medications and medicine, and even ambulance prices are covered by the CTPL’s third party claim. In addition, no third-party proof is required in cases of death or physical damage “In order to sue the CTPL, you must prove “blame.” The third party must merely establish the claim by submitting an accident police report under oath. They must show a death certificate in the event of death. They must submit a medical report or hospital disbursement regarding the reimbursement claim in the event of an injury.

Comprehensive Car Insurance in the Philippines, on the other hand, offers higher protection than CTPL insurance, according to one insurance company. It provides coverage for accidents that are not caused by a collision, including as flooding, theft, or fire.

We expect comprehensive car insurance to be comprehensive, but in reality, it varies between firms. As a result, depending on the coverage limit and quantity, insurance providers may provide additional benefits and coverage.

At first, I truly believed that when we say comprehensive, we mean complete, and that we should expect it to cover all possible damages, including what is now commonly referred to as “collateral damage.” “Natural disasters are referred to as “Acts of God.”

In my opinion, the ideal rule of thumb is to drive only when you are physically fit and mentally clear. Driving demands you to use all of your senses while driving the car to your destination. Your sense of smell is just as vital as the rest of your senses. Mobile phone blaring and ringing can be distracting, and driving is a good excuse for avoiding answering a call. Also, especially if you’re speeding down highways, learn to buckle up. Keep yourself safe.

How do I know if my insurance is comprehensive or third party?

One thing we all know is that the fundamental distinction between third-party car insurance and comprehensive vehicle insurance is coverage. Third-party insurance, as the name implies, only covers third-party liability, whereas comprehensive insurance also covers damage to one’s own car.

How much is an emission test?

Your car should be subjected to an emission test prior to your planned appointment. You must pay the emission testing fee, which is around Php410.00, to the head of the emission testing center. The examination typically lasts an hour or an hour and a half. It frequently includes a free stencil treatment on your car’s engine. One of the renewal and registration requirements in LTO is a stencil, which is normally included in the test (and is occasionally free).

What is LTO Certificate of cover?

Before any motor vehicle can be registered with the Land Transportation Office (LTO), whether for personal or commercial usage, it must have a Compulsory Third Party Liability (CTPL) insurance policy. The goal of needing CTPL insurance prior to vehicle registration is to protect the general public. When a CTPL policy is purchased, the assured receives a conditional insurance policy.

The Confirmation of Cover, or COC, is a document attached to the policy. This COC is subsequently shown to the LTO at the time of registration as confirmation that the vehicle is covered by third-party insurance. The name of the assured, basic data about the vehicle such as serial number, chassis number, plate number, color, and the insurer’s limit of responsibility are all listed on the Certificate of Cover (COC). Furthermore, the schedule of benefits for death and bodily damage includes advantages such as death benefit, funeral expenditures, permanent disablement and dismemberment, and restrictions for medical and hospital reimbursement.

Any licensed insurance firm can sell you a CTPL coverage. The Insurance Commission mandates CTPL premium rates for all insurance businesses. Any rate deviation, whether higher or lower, shall be reported to the Insurance Commission.