CTPL Insurance Guide Philippines

CTPL (Compulsory Third-Party Liability) insurance is mandatory for all motor vehicles registered with the LTO in the Philippines. It covers bodily injury or death of third parties caused by your vehicle, with coverage limits set by the Insurance Commission. While CTPL covers only third-party liability, it does not cover your own vehicle damage, for that, you need comprehensive insurance. CTPL Insurance Guide Philippines: Expressway.PH is re-verifying this guide against insurer policy wording and Insurance Commission rules. Figures were removed until they can be cited; the related pages below are the verified ones.