In short
It is Section IV-1 of the IC standard Private Car Policy (official source), in use since 1 July 2023, bought with a comprehensive policy.
As of October 2026, Pioneer sells limits from ₱100,000 to ₱500,000 online, and Asia United (official source) from ₱500,000 to ₱1,000,000.
- Policy section
- Section IV-1, Excess Liability (IC standard policy, IMC 2022-02)
- Starts paying
- After CTPL's ₱200,000 is used up (IC Memorandum Circular 2024-01, since 2024)
- Schedule of indemnities
- Does not apply, unlike CTPL
- Who it pays
- Third parties; not your household, close relatives or employees
- Tariff limit steps
- ₱50,000 to ₱1,000,000 for private cars (IC Motor Car Tariff, as of 1 January 2015)
- Also called
- VTPL-BI, EBI, voluntary third party liability for bodily injury
What excess bodily injury means in car insurance
Excess bodily injury, also written VTPL-BI or EBI, is the layer above CTPL. When your car hurts or kills someone, CTPL pays first, up to ₱200,000 under IC Memorandum Circular 2024-01 (official source).
Excess bodily injury reimburses what you pay beyond that, up to the limit you bought.
CTPL pays medical items against a fixed schedule of indemnities. Section IV-1 is not bound by that schedule: it reimburses sums you actually paid to settle your liability.
| Layer | Pays | Limit |
|---|---|---|
| CTPL, Sections I and II | Death and injury to third parties, against the schedule of indemnities | ₱200,000 per accident |
| Excess bodily injury, Section IV-1 | What you pay above the CTPL limit, outside the schedule | The limit on your policy schedule |
| You | Anything above both limits | No cap |
Section I caps the total for one accident, however many people claim. A crash with several injured people can exhaust ₱200,000 quickly.
Who excess bodily injury pays, and who it does not
It pays third parties: pedestrians, other motorists and their passengers, and people in your car outside the exclusions. The standard wording leaves out members of your household and relatives within the second degree.
It also leaves out your employees injured in the course of their work.
Injuries to those people need personal accident cover instead.
- Pedestrian you hit
- Third party: covered
- Driver or passengers of the other car
- Third party: covered
- Your child, parent or sibling
- Excluded: relative within the second degree
- Household helper riding along
- Excluded: household member
- Company driver hurt at work
- Excluded: employee
What each insurer covers
| Coverage |  Alliedbankers Insurance |  Alpha Insurance |  Asia Insurance Philippines |  Asia United Insurance |  AXA Philippines |  Bethel Insurance |  BPI MS |  Cibeles Insurance |  Cocogen Insurance |  Commonwealth Insurance |  Corporate Guarantee Insurance |  Country Bankers Insurance |  FGen Insurance (Fortune General) |  FPG Mercantile |  Liberty Insurance |  Malayan Insurance |  Oona Insurance |  Pacific Union Insurance |  Paramount Insurance |  Petrogen Insurance |  PGA Sompo |  PhilFirst Insurance |  Pioneer Insurance |  Prudential Guarantee |  SGI Philippines |  Standard Insurance |  Sterling Insurance |  Stronghold Insurance |  Travellers Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own damage and theft | Included | Included | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included |
| Excess bodily injury | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Third-party property damage | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Auto personal accident | Included | Included | Not listed | Not listed | Included | Optional | Included | Included | Included | Included | Included | Included | Optional | Included | Not listed | Included | Included | Not listed | Included | Not listed | Not listed | Included | Included | Not listed | Included | Included | Included | Not listed | Optional |
| Acts of nature | Optional | Not listed | Not listed | Not listed | Optional | Optional | Optional | Not listed | Optional | Not listed | Not listed | Not listed | Optional | Included | Not listed | Not listed | Optional | Optional | Optional | Not listed | Not listed | Included | Optional | Not listed | Included | Not listed | Not listed | Not listed | Optional |
| Riot, strike and civil commotion | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Roadside assistance | Included | Included | Not listed | Not listed | Optional | Not listed | Included | Not listed | Included | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Included | Not listed | Not listed | Not listed | Included | Included | Included | Included | Not listed | Included | Not listed | Not listed | Not listed |
| Loss of use | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Included | Not listed | Not listed | Not listed |
Excess bodily injury limits insurers sell
Limits come in fixed steps. The IC motor tariff (official source), as of 1 January 2015, lists private car bodily injury limits from ₱50,000 to ₱1,000,000.
The premium rises with the limit. Choose a limit well above the lowest step if your car often carries people outside your family, because CTPL caps the total for one accident.
Otherwise the lowest step still adds a layer over CTPL. Put the BI premium from your quote into the premium calculator to see it with taxes.
| Insurer | Limit |
|---|---|
| Pioneer, online | ₱100,000 to ₱500,000 |
| Asia United | ₱500,000 to ₱1,000,000, chosen by you |
| Standard Insurance, Car Protect brochure | Up to ₱500,000 above CTPL |
| OONA, base comprehensive policy | ₱200,000 |
| OONA, Auto Liability | ₱200,000 combined with property damage |
| Cocogen, Auto Excel Plus | Above the CTPL limit; amount set on the policy |
The expired licence rule
The standard wording lets an authorised driver with an expired licence claim under CTPL only. For excess bodily injury, the driver must hold a valid licence and not be disqualified by a court or regulation.
If the licence had lapsed, you pay any injury cost above CTPL yourself.
The limits on use bite here too. Carrying fare-paying passengers or using the car for hire takes it outside the private car policy.
Making an excess bodily injury claim
Before you call, have your policy number and the police report ready. Notify the insurer as soon as possible.
Forward every letter, summons or notice of an inquest the day it arrives. The insurer may take over the defence and settlement in your name.
The standard wording lets you settle a claim on the spot without the insurer's consent, up to ₱5,000. Above that, get its consent first.
Under that clause, a larger settlement made without consent is not valid against the insurer. The claims guide lists insurer hotlines.
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