Is your car due for LTO registration renewal? Get your CTPL from Pioneer InsureShop now!

  • Accredited by LTO
  • Correctly priced with P100,000 limits of liability
  • 1 requirement down for the renewal of your car registration
  • Easy payment using credit or debit card

Your Certificate of Cover (COC) will be e-mailed to you immediately upon successful transaction.

For inquiries, contact our Pioneer Support Center at (02) 750 5433.

Buy Now

CTPL insurance is mandated by law and is a requirement when you register your vehicle with the Land Transportation Office (LTO). Purchase your CTPL policy through us now and get your Certificate of Cover (COC) in an instant. It's fast, authentic, and convenient!

VEHICLE CLASSIFICATION

PRICE

(Inclusive of taxes and charges)

Motorcycle

(i.e. Motorcycle without side car, Motorcycle with side car, trailer)

P314.30

Private

(i.e. Car, Sports Utility Vehicle, Non-Conventional MC, Non-Conventional MV)

P622.94

Light Medium Commercial Vehicle

(i.e. Utility Vehicle)

P672.72

Heavy Commercial Vehicle

(i.e. Tourist Bus, Truck Bus, School Bus)

P1,260.15

Compulsory Third Party Liability (CTPL) is a motor vehicle insurance required by law for all vehicles to be registered. It covers the liability of the insured up to P100,000.00 on the death or bodily injury of any third party arising out of the use of the insured motor vehicle. For example, in case the insured vehicle hits a pedestrian, CTPL covers the expenses arising from the bodily injury/death of the pedestrian up to php100,000.00.

The full coverage of CTPL is as follows:

SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH

The following schedule of indemnities shall be observed in the settlement of claims for death, bodily injuries and professional fees and hospital charges for services rendered to traffic accident victims under the Compulsory Third Party Liability Insurance Coverage.

A.DEATHINDEMNITYPs.70,000.00
BurialandFuneralExpenses30,000.00
B.BODILYINJURIESANDFRACTURES
Types of Accommodation of Professional Attendance ExtendedServices RenderedMaximum Reimbursable Fees and/or Charges
1.Hospital RoomsMaximum of 45 days per accidentPs.500.00/day
Laboratory examination fees, X-rays2,000.00
2.Surgical ExpensesMajor Operation7,500.00
Medium Operation5,000.00
Minor Operation1,500.00
3.Anesthesiologist’s FeeMajor Operation2,500.00
Medium Operation2,000.00
Minor Operation500.00
4.Operating RoomMajor Operation1,500.00
Medium Operation1,000.00
Minor Operation500.00
5.Medical ExpensesFor daily visits of Practitioner or Specialist400.00/day
The total amount of medical expenses must not exceed(For a single period of confinement)5,000.00
6.Drugs and MedicineActual value of drugs and medicine used but not exceed20,000.00
7.AmbulanceActual amount charged for ambulance transport but not exceed1,500.00
C.PERMANENT DISABLEMENT
Loss of or Loss of use of:Amount
Two LimbsAmount
Both Hands, or All Fingers & Both Thumbs50,000.00
Both Feet50,000.00
One Hand and One Foot50,000.00
Sight of Both Eyes50,000.00
Injuries resulting in being permanently bed ridden50,000.00
Any other injury causing permanent total disablement50,000.00
Arm at or above Elbow20,000.00
Hand15,000.00
Four FingersandThumbs of One Hand15,000.00
Four Fingers12,000.00
Leg at or above Knee20,000.00
One Foot15,000.00
All Toes of One Foot10,000.00
Thumb8,000.00
Index Finger6,000.00
Sight of One Eye20,000.00
Hearing-Both Ears30,000.00
Hearing-One Ear15,000.00

CTPL in Insureshop FAQs

1. What is CTPL Insurance?

Compulsory Third Party Liability (CTPL) is a motor vehicle insurance required by law for all vehicles to be registered. It covers the liability of the insured up to P100,000.00 on the death or bodily injury of any third party arising out of the use of the insured motor vehicle. For example, in case the insured vehicle hits a pedestrian, CTPL covers the expenses arising from the bodily injury/death of the pedestrian up to php100,000.00.

2. What is the difference between CTPL and Motor Comprehensive insurance?

CTPLComprehensive Insurance
Mandatory(required for registration)Optional
Covers only Third party liability bodily injury and/or death Has the following coverages:
  1. Own Damage/Theft
  2. Acts of Nature
  3. Acts of Nature
  4. Third party property damage
  5. Third party bodily injury and/or death (in excess of CTPL)
  6. Personal Accident for passengers and driver

3. who is a THIRD PARTY?

Third party is any person except the insured, members of his household, members of his family, his employees, passengers, and the driver.

4. I want a comprehensive insurance cover for my vehicle as well, how do I go about it?

  1. Call Pioneer Customer Support Center at 63 2 750-5433
  2. Send a private message to our official Facebook page, Pioneer Your Insurance, with the following details:
    1. Name
    2. Contact Number
    3. Email address
    4. Year model
    5. Brand (e.g. Mitsubishi)
    6. Model (e.g. Mirage)
    7. Specific Variant (e.gGLX 1.2 Gas M/T)
    8. Market Value

5. I have a vehicle with yellow plate; may I get CTPL from Insureshop?

No, our CTPL only caters to private vehicles.

6. How do I know what inception date to put?

Inception refers to the date that your CTPL insurance takes effect. It is based on the last numeric digit of your plate number (plate ending). Please be guided by the table below. You have the option to backdate (for late registration) or forward date (for early registration).

Plate EndingInception Date
1February 1
2March 1
3April 1
4May 1
5June 1
6July 1
7August 1
8September 1
9October 1
0November 1

7. In case of a claim, how do I report it to Pioneer?

Call:(02) 750-5433
9:00am - 6:00pm
Monday - Friday
Text CTPL to:
0998-964-0137(Smart)
0925-876-0882(Sun)

8. What are the required documents when filing for CTPL claim?

  • Police Report
  • Photocopy of Certificate of Registration
  • Photocopy of Official Receipts of current year’s registration
  • Photocopy of Driver’s License
  • Original Official Receipts of Medicine/Medical Expenses
  • Statement of Accounts
  • Medical Certificate/Clinical Abstract
  • Death Certificate (in case of death of victim)
  • Marriage Certificate (in case of death of victim)
  • Birth Certificate (in case of death of victim, if minor involved)