Compulsory Third Party Liability (CTPL)
The Compulsory Third Party Liability (CTPL) coverage is mandated by the Land Transportation Office (LTO) of the Philippines for all motor vehicle owners.
This driver of the insured vehicle is protected by this coverage from any possible liability for a third party caused by motor vehicle accidents.
Pricing
VEHICLE DESCRIPTION | BASIC PREMIUM | DST | EVAT | LGT | LTO INTERCONNECTIVITY | TOTAL PREMIUM |
|---|---|---|---|---|---|---|
For One Year CTPL Coverage | ||||||
Private Cars (including jeeps, and Utility Vehicles) | 449.08 | 56.13 | 53.89 | 0.9 | 50.40 | 610.40 |
Light/Medium Trucks (own Goods) Not Over 3,930 kgs. | 489.17 | 61.15 | 58.7 | 0.98 | 50.40 | 660.40 |
Heavy Trucks (Own Goods) and Private Buses over 3.930 kgs. | 962.31 | 120.29 | 115.48 | 1.92 | 50.40 | 1,250.40 |
AC and Tourist Cars | 593.42 | 74.18 | 71.21 | 1.19 | 50.40 | 790.40 |
Taxi, PUJ and Mini Bus | 882.12 | 110.27 | 105.85 | 1.76 | 50.40 | 1,150.40 |
PUB and Tourist Bus | 1,162.79 | 145.35 | 139.53 | 2.33 | 50.40 | 1,500.40 |
Motorcycles / Tricycles / Trailers | 200.48 | 25.06 | 24.06 | 0.40 | 50.40 | 300.40 |
For Three Year CTPL Coverage | ||||||
Private Cars (including jeeps, and Utility Vehicles) | 1,291.1 | 161.39 | 154.93 | 2.58 | 50.40 | 1,660.40 |
Light/Medium Trucks (own Goods) Not Over 3,930 kgs. | 1,403.37 | 175.42 | 163.40 | 2.81 | 50.40 | 1,795.40 |
Heavy Trucks (Own Goods) and Private Buses over 3.930 kgs. | 2,758.62 | 344.83 | 331.03 | 5.52 | 50.40 | 3,490.40 |
AC and Tourist Cars | 1,700.08 | 212.51 | 204.01 | 3.40 | 50.40 | 2,170.40 |
Taxi, PUJ and Mini Bus | 2,526.06 | 315.76 | 303.13 | 5.05 | 50.40 | 3,200.40 |
PUB and Tourist Bus | 3,327.99 | 416.00 | 399.36 | 6.66 | 50.40 | 4,200.41 |
Motorcycles / Tricycles / Trailers | 577.39 | 72.17 | 69.29 | 1.15 | 50.40 | 770.40 |
Terms & Conditions
Schedule of indemnities for bodily injury and/or death
A. Death Indemnity
DEATH INDEMNITY | AMOUNT (PHP) |
|---|---|
Death Indemnity | 70,000 |
Burial and funeral expenses | 30,000 |
B. Bodily Injuries and Fractures
TYPES OF ACCOMODATION OR PROFESSIONAL ATTENDANCE EXTENDED | SERVICE RENDERED | MAXIMUM REIMBURSABLE FEES AND/OR CHARGES (PHP) |
|---|---|---|
1. Hospital Rooms | Max of 45 days per accident | 500.00/per day |
Laboratory examinations fees, x-rays | 2,000.00 | |
2. Surgical Expenses | Major Operation | 7,500.00 |
Medium Operation | 5,000.00 | |
Minor Operation | 1,500.00 | |
4. Operating Room | Major Operation | 1,500.00 |
Medium Operation | 1,000.00 | |
Minor Operation | 500.00 | |
5. Medical Expenses | For Daily visits of Practitioner or Specialist | 400.00/per day |
The total amount of medical expenses must not exceed (for a single period of confinement) | 5,000.00 | |
6. Drug and Medicine | Actual value of drugs and medicine used but not to exceed | 20,000.00 |
7. Ambulance Charge | Actual value of ambulance transport used but not to exceed | 1,500.00 |
C. Permanent Disablement
LOST OF OR LOST OF USE OF | AMOUNT (PHP) |
|---|---|
Two Limbs | 50,000 |
Both Hands, or All Finger or 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 permanent 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 |
