Compulsory Third Party Liability or CTPL is an insurance coverage required by the Land Transportation Office (LTO) upon vehicle registration. Private Cars such as sedans, AUVs, MPV, Wagon, Van, Pick-up, Motorcycles, and Trucks must have CTPL coverage upon registration.
Your Mandatory Compulsory Third Party Liability (CTPL) Cover available in minutes.
Compulsory Third Party Liability (CTPL) insurance is a legal requirement mandated by the Land Transportation Office (LTO) for all motor vehicle owners in the Philippines. It protects you against potential financial liabilities if your vehicle is involved in an accident that causes bodily injury or death to a third party. Securing your mandatory LTO vehicle registration car insurance is fast, safe, and completely stress-free with Standard Insurance. Skip the queue, buy your LTO CTPL insurance online, and receive your official Certificate of Cover (COC) directly in your email inbox.
Compulsory third party liability insurance provides a financial shield of up to ₱200,000 per accident, strictly dedicated to third-party victims:
Medical & Hospital Reimbursements: Includes daily hospital room limits (up to 45 days), operating room fees, and up to ₱20,000 for required prescription drugs and medicines.
Permanent Disablement Benefit: Scheduled monetary payouts depending on the severity and nature of the third-party injury.
⚠️ Important Reminder: By law, CTPL only covers third-party pedestrians, individuals, or passengers outside your household. It does not cover damage to your own vehicle, your own medical expenses, or theft. For complete all-around vehicle protection, combine your CTPL with our comprehensive Standard Insurance Car Protect plan.
To fill out your CTPL online application accurately, ensure you have your driver's license and a copy of your vehicle’s Original Receipt (OR) and Certificate of Registration (CR) on hand.
Under the mandatory "No-Fault" clause of the Insurance Code, a third-party victim can claim a maximum sum of ₱30,000 for emergency medical treatment without the immediate necessity of proving who was legally at fault or negligent in the accident.
A person who suffers death or bodily injury as a result of a motor vehicle accident may qualify.
For an occupant, the No-Fault claim generally lies against the insurer of the vehicle in which the person was riding, mounting, or dismounting. A claimant may make the No-Fault claim against only one motor vehicle.
You can file a claim up to 90 days following the accident by using the Standard Insurance Online Claims Notification form. You will need to submit the vehicle's OR/CR, the driver's license, the original police report, and official medical certificates or hospital receipts.
Yes. As long as you have the correct vehicle information and the exact spelling of the registered owner's name as stated on the official LTO Certificate of Registration, you can buy CTPL insurance even on someone's behalf.
The vehicle owner may secure CTPL before applying for the initial registration or renewal of the motor vehicle. The Certificate of Cover (COC) must have the correct effectivity and must be properly issued and electronically transmitted/authenticated for the applicable LTO registration transaction. CTPL should not be backdated to cover an accident or period that occurred before the policy's effective date.
Yes, provided the insurance company can issue and electronically transmit/authenticate the COC and the vehicle meet the requirements of the LTO.
However, it is advisable for the vehicle owner to secure CTPL before the registration transaction to avoid delays.
Landline: +632-8845-1111
Email: teamonline@standard-insurance.com
Branch Network: Visit any Standard Insurance branch nationwide