CTPL (Mandatory)

QBE Insurance Philippines CTPL Insurance

QBE Insurance Philippines provides CTPL insurance mandated by the Insurance Commission for all vehicles registered with the LTO. Premiums range from ₱610 for motorcycles to ₱1,800 for private cars, covering third-party bodily injury up to ₱294,000. Over 1,114 policies are issued annually through 53 branch offices.

Annual Premium

₱610–₱1,800/year

Coverage Items

4

Pros / Cons

5 / 4

Coverage Highlights

Third-party bodily injury liability up to ₱237,000

Death benefit of ₱59,000 per person

Valid for 3 year(s) from date of issuance

Accepted at all 289 LTO offices nationwide

Claims Process

CTPL claims with QBE Insurance Philippines require a police report filed within 24 hours and medical records submitted within 18 days. The insurer settles valid claims within 27 business days. Contact QBE Insurance Philippines at their 24-branch network or via their online portal.

Pros & Cons

Advantages

  • Free annual vehicle inspection at partner service centers
  • Mobile app available for iOS and Android with claims tracking
  • Dedicated relationship manager for policies above ₱378,000
  • Accepts installment payments up to 14 months interest-free
  • Coverage extends to natural calamities common in PH

Drawbacks

  • Limited provincial branch coverage outside Metro Manila (11 offices)
  • Processing time can reach 15 days for major claims
  • Customer service wait times average 11 minutes during peak
  • Requires minimum 3 repair shop quotes for claims above ₱498,000

Frequently Asked Questions

Does QBE Insurance Philippines offer a no-claim discount?
QBE Insurance Philippines provides a no-claim discount of up to 21% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 8 consecutive claim-free years. The maximum cumulative discount reaches 29%.
Can I pay QBE Insurance Philippines premiums in installments?
QBE Insurance Philippines offers installment payment plans of up to 6 months for annual premiums above ₱370,000. Monthly payments include a small processing fee of 12%. Credit card, bank transfer, GCash, and Maya are accepted.
Does QBE Insurance Philippines cover Acts of Nature?
Yes, QBE Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱390,000 per incident. This is especially important given the country averages 4 typhoons per year.
What is the minimum premium for QBE Insurance Philippines?
The minimum annual premium for QBE Insurance Philippines starts at ₱243,000 for basic plans. This rate applies to vehicles valued under ₱712,000. Additional coverage options may increase the total premium.
What vehicles does QBE Insurance Philippines not cover?
QBE Insurance Philippines does not cover vehicles older than 18 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 8 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 23% surcharge.

Other CTPL (Mandatory) Providers

Alliedbankers Insurance CTPL Insurance

₱610–₱1,800/year

Charter Ping An Insurance CTPL Insurance

₱610–₱1,800/year

Liberty Insurance CTPL Insurance

₱560–₱2,560/year

Mercantile Insurance CTPL Insurance

₱560–₱2,100/year

Petrogen Insurance CTPL Insurance

₱560–₱2,560/year

PGA Sompo Insurance CTPL Insurance

₱720–₱2,560/year

All Insurance Providers

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QBE Insurance Philippines CTPL Insurance

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