Compulsory Third Party Liability Insurance

Required by LTO for your vehicle registration, CTPL is mandated by law to provide insurance coverage for liability related to death or bodily injury of a third person arising from a vehicular accident.  

Let BDO Insure help you find the CTPL insurance for you.

Premium per vehicle type (1 Year / 3 Years)

PRIVATE CAR AND UTILITY VEHICLE

Private Cars and Utility Vehicles

₱ 610.40 / ₱ 1,660.40

 

Tourist Cars

₱ 790.40 / ₱ 2,170.40

TRUCK

Light/Medium Trucks 

₱ 660.40 / ₱ 1,800.40

 

Heavy Trucks 

₱ 1,250.40 / ₱ 3,490.40

PUBLIC VEHICLE

Taxi, PUJ, and Mini Bus

₱ 1,150.40 / ₱ 3,200.40

 

PUB and Tourist Bus

₱ 1,500.40 / ₱ 4,200.40

CTPL will pay for expenses resulting from bodily injury or death of a third party in a vehicular accident up to ₱ 100,000 per occurrence.  

Things to know before buying

The following are the requirements to file for Bodily Injury/Death Claim.

  1. Police Report
  2. Driver’s license and Official Receipt
  3. Vehicle Registration Certificate and Official Receipt
  4. Third Party - Bodily Injury:
    • Medical Certificate
    • Receipts of Medicines & Medical Expenses
    • Medical Prescriptions
    • Hospital Bills/SOA
    • Birth Certificate (if minor)
  5. Death claim documents:
    • Death Certificate
    • Funeral/Burial Receipts
    • Birth Certificate (if minor)
    • Marriage Contract (if married)
    • Medical or hospital receipts hospitalized and
  6. Affidavit of Desistance or quitclaim (if the payment was advanced by the insured)

Unfortunately, no.  The CTPL insurance pays for expenses arising from bodily injury or death to a third party. 

The effective month of your policy is based on your vehicle’s plate number.  To change the coverage year, you may contact BDO Insure at (2) 8-838-BDOI or  1800-10-838-2364 (Domestic Toll Free) or email bdo-insure@bdo.com.ph.

Disclaimer: These are only general descriptions of the benefits of this insurance products. We encourage you to learn more on how it can help secure your finances. Specific conditions and terms and conditions in insurance policy will apply. The product details and premiums are valid as of today and may be changed without prior notice.

 
  • Death (Including Burial and Funeral Expenses)  ₱ 200,000
  •  Bodily Injuries and Fractures
    • Hospital Rooms     
      • Max of 45 days per accident - ₱ 500 per day
      • Laboratory exam fees, x-rays - Up to ₱ 2,000
    • Surgical Expenses 
      • Major operation - Up to ₱ 7,500
      • Medium operation - Up to ₱ 5,000
      • Minor operation- Up to ₱ 1,500
    • Anesthesiologist’s Fees      
      • Major operation - Up to ₱ 2,500
      • Medium operation - Up to ₱ 2,000
      • Minor operation - Up to ₱ 500
    • Operating Room   
      • Major operation - Up to ₱ 1,500
      • Medium operation - Up to ₱ 1,000
      • Minor operation - Up to ₱ 500
    • Medical Expenses 
      • For daily visit of Practitioner or Specialist - ₱ 400 per day (Up to ₱5,000)
      • Note: The total amount of expenses must not exceed (for a single period of confinement) 
    • Drugs and Medicine - Up to ₱ 20,000
    • Ambulance Charge - Up to ₱ 1,500
  • Permanent Disablement (Loss or loss of use of)      
    • Two limbs - ₱ 50,000
    • Both hands or all fingers and both thumbs - ₱ 50,000
    • Both feet - ₱ 50,000
    • One hand and one foot - ₱ 50,000
    • Sight of both eyes - ₱ 50,000
    • Injuries resulting in being permanently bedridden - ₱ 50,000
    • Any other injury causing permanent total disablement -  ₱ 50,000
    • Arm at or above elbow - ₱ 20,000
    • Arm between elbow and wrist - ₱ 15,000
    • Hand - ₱ 15,000
    • Four fingers and thumb of one hand - ₱ 15,000
    • Four fingers - ₱ 12,000
    • Leg at or above knee - ₱ 20,000
    • Leg below knee - ₱ 15,000
    • One foot -  ₱ 15,000
    • All toes of one foot - ₱ 10,000
    • Thumb - ₱ 8,000
    • Index finger - ₱ 6,000
    • Sight of one eye - ₱ 20,000
    • Hearing – both ears - ₱ 30,000
    • Hearing – one ear - ₱ 15,000
  • Other Incidental Expenses. - Pertinent and reasonable expenses incurred in connection with the accident not provided in above items subject to a maximum of ₱ 10,000.  The aggregate payment will n ₱ 100,000.        

 

Disclaimer: These are only general descriptions of the benefits of this insurance products. We encourage you to learn more on how it can help secure your finances. Specific conditions and terms and conditions in insurance policy will apply. The product details and premiums are valid as of today and may be changed without prior notice.

Terms and Conditions

View and download CTPL policy terms and conditions.

We do the legwork for you every step of the way


Your Security and Protection from Financial Loss

We help you identify, assess, and manage your risks. 

Your Peace of Mind and Financial Well-Being

We work for the payment of your benefit and claims according to the terms and conditions of your policy.

Your Convenience

We do the legwork to save you time and effort evaluating insurance products.
 

Contact us

BDO Corporate Center

BDO Insure Head Office

43/F - 44/F BDO Corporate Center Ortigas, 12 ADB Avenue, Ortigas Center, 1550, Mandaluyong City

BDO Corporate Center

BDO Insure Contact Center

(+632) 8838-BDOI or 8838-2364

BDO Corporate Center

bdo-insure@bdo.com.ph 

You can also send us a message here.

BDO Corporate Center

Domestic Toll-Free   

1800-10-8382364

BDO Insure is a registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines (www.insurance.gov.ph). Insurance Broker License No. IB-13-2022-R. The BDO Insure trademarks are owned by BDO Insurance Brokers, Inc.