CTPL Insurance

Stay ahead of the unexpected while you share the road

CTPL is not just any insurance, it's a mandatory coverage by the Land Transportation Office (LTO) for all vehicle owners in the Philippines.

LTO-accredited, with exceptionally easy-claims, Oona CTPL Insurance keeps you protected against accidents that cause injury, or worse, death to another person.

Don't let uncertainties dampen your road adventures. Drive with peace of mind, knowing that Oona has got your back. No fixers, no hassles—just a few simple steps and starting at an affordable price of only ₱290, and you're ready to hit the road confidently.


Explore a range of protection plans customized to keep you covered when it matters most

Compulsory Third-Party Liability (CTPL)
- Keeps you covered for losses due to any injury or death of another person
- Direct, no hidden fees. No fixers
- Swift Claim Settlements: 94% of claims settled, within 5 days!
- Starts From Php 290.00 / year


Additional Services for Your CTPL Coverage

Online Claim Submission
- Submit your car insurance claims seamlessly via Whatsapp or online.

Authorized Workshop Finder
- Find Oona accredited repair shops near you.


Why Choose Oona Compulsory Third Party Liability Insurance?
- We understand that choosing the right CTPL insurance in the Philippines goes beyond just meeting requirements; it's about securing your journey with confidence and reliability.

Starts at only ₱290
- We offer excellent value without compromising on coverage

LTO Accredited
- Assuring you of our reliability and adherence to the highest standards of service and coverage

Easy Purchase Online
- Quick clicks, no tricks! Get your CTPL Insurance online, instantly.


Frequently Asked Questions About CTPL Insurance
Explore these FAQs to learn more about it.

What does Certificate of Cover refer to at LTO?
- The Certificate of Cover is a vital part of the CTPL policy. It's the document needed by the Land Transportation Office (LTO) for processing the vehicle's certificate of registration, ensuring that it is legally registered for use.

Can my CTPL insurance pay for damages to another person`s property?
- No, CTPL does not cover property damage to a third-party's property. It only provides coverage for bodily injury or death of a third-party person.

How much does third-party insurance cost?
- VTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.

What is No Fault Indemnity?
- No Fault Indemnity means our company will cover your accident expenses of up to ₱15,000, regardless of who's at fault.

Is it illegal to drive a car without insurance in the Philippines?
- Yes. While Comprehensive Motor Insurance is optional when you register a vehicle in the Philippines, it is a legal mandate for vehicle owners to have a valid Compulsory Third Party Liability (CTPL) Insurance,. So driving without one can get you into trouble.

Which insurance is best for cars?
- It's recommended to get Comprehensive Insurance with Acts of Nature coverage, especially in the Philippines where natural disasters can happen.

What is COC? Is this different from CTPL?
- The Certificate of Cover (COC) is an important document in your CTPL insurance policy. When you buy CTPL insurance, you'll receive the COC, which is essential for processing requirements with the Land Transportation Office (LTO). While the COC serves as proof of insurance, it's not the same as the CTPL policy. Instead, it's a vital part of it.

When does my CTPL Insurance expire?
- The validity of CTPL Insurance depends on your vehicle's condition during the time of purchase. CTPL for new vehicles expire after three (3) years, while for non-brand new vehicles, their CTPL Insurance usually expires after a year. Upon expiry, you would need to renew your CTPL insurance every year.

How does TPL work?
- It's insurance that covers the insured person against liability to any third party resulting from using the insured vehicle. CTPL covers only bodily injury and death of third parties, while VTPL also covers damage to their property.

What is Compulsory Third Party Liability or CTPL?
- Compulsory Third Party Liability Insurance or CTPL Insurance is a coverage that is required by law in the Philippines for all motor vehicles when registering with LTO. This insurance protects you against any legal responsibilities for injuries or death to others caused by using the insured vehicle.