How to Apply for CTPL Insurance in the Philippines

How to Apply for CTPL Insurance in the Philippines

Welcome to the topic How to Apply for CTPL Insurance in the Philippines

Welcome to our digital world! Nowadays, everything from food, clothing, home decor, and even insurance can be easily purchased online. At Perla Insurance, we’re thrilled to offer a seamless experience for acquiring vehicle insurance. Our online platform makes purchasing Compulsory Third Party Liability (CTPL) insurance easier than ever. Enjoy the convenience of buying insurance from the comfort of your home, knowing you’re covered by a trusted name in the industry.

In the Philippines, Compulsory Third Party Liability (CTPL) insurance is essential for all motor vehicle owners. This basic coverage is crucial for registering your car, as mandated by the Land Transportation Office (LTO). CTPL insurance provides financial protection for third parties in the event of an accident, covering medical expenses and death benefits. With the growing digital landscape, obtaining CTPL insurance online has never been more convenient. Not only does it save you time and money, but it also helps you avoid the hassle and expense of dealing with fixers. Embrace the ease and efficiency of online insurance with Perla Insurance.

How to Apply for CTPL Insurance in the Philippines

Purchasing CTPL insurance is now simpler and faster, especially with Perla Insurance. Our streamlined online process ensures you can get your CTPL insurance in just two hours during office hours, from Monday to Friday, 8 AM to 5 PM, excluding holidays. However, it’s important to understand that CTPL is not comprehensive motor vehicle insurance and you must first know when to purchase the CTPL. Before you proceed, let’s explore some key considerations.

Important Considerations before Buying CTPL from Perla Insurance

Before buying CTPL insurance, keep the following points in mind:

1. CTPL for “For Hire” Vehicles: Perla Insurance does not offer CTPL for “For Hire” vehicles.

2. Limited Coverage: CTPL is limited to third-party death/injury liability. For a comprehensive understanding of CTPL, please read our previous blog here.
Please click this link: Everything You Need to Know About CTPL Insurance

3. LTO Renewal Dates: Know your LTO renewal dates. For brand new motorcycles with an engine displacement of 200cc and below, the initial registration is valid for one year. For motorcycles with 201cc and above, the initial registration is valid for three years, similar to other four-wheeled vehicles. Align your CTPL insurance with your LTO motor vehicle registration renewal.

4. Plate Number Ending: The last digit of your plate number determines your registration and insurance coverage period. For instance:

Plate number ending in 1:

Insurance Period: Feb 1, 2023 – Feb 1, 2024

Registration Period: January 2024

Plate number ending in 2:

Insurance Period: Mar 1, 2023 – Mar 1, 2024

Registration Period: February 2024

And so on.

A Quick and Easy Guide to Purchasing Your CTPL Insurance Online

Follow these easy steps to purchase your CTPL insurance online:

1. Visit our Website: Go to

2. Select Your Vehicle: Click the “Buy CTPL” button and choose the type of vehicle you want to cover.

3. Upload Documents: Upload a clear copy of your vehicle’s Certificate of Registration. Fill in the MV file, plate number, engine number, and chassis number, and then click next.

4. Enter Contact Details: Provide your full name, cellphone number, email address, and one government-issued ID, then click next.

5. Review Details: Review the summary details and click next.

6. Make Payment: Pay via Gcash, Paymaya, bank transfers, or debit/credit card. A QR code will be provided for your convenience.

7. Upload the payment receipt and click the submit button.

You’re done! Within two hours, your CTPL will be sent to your email. You can print the documents and present them to the LTO for renewal. Note that the LTO no longer requires the original copy, as the CTPL is already uploaded or authenticated in their system.

Verified and Trustworthy

Perla Insurance is accredited by the Land Transportation Office (LTO) and authorized by the Insurance Commission, ensuring that you are partnering with a legitimate and trusted insurance provider. We have built a reputation over 60 years for reliability and integrity in the insurance industry. For further verification, you can visit our social media pages where we actively engage with our community and provide updates about our services. Our commitment to transparency and customer satisfaction is reflected in the positive feedback from our clients. Trust Perla Insurance for your CTPL needs, knowing you are supported by a reputable and reliable provider dedicated to offering exceptional service and comprehensive coverage.


In summary, obtaining CTPL insurance online with Perla Insurance is quick, easy, and hassle-free. By aligning your insurance purchase with your LTO registration renewal dates and understanding the coverage limitations, you ensure a smooth process. Our step-by-step guide simplifies the purchase, ensuring you get your CTPL within two hours. Accredited by the LTO and authorized by the Insurance Commission, Perla Insurance guarantees reliable service. For more information on pricing and coverage, stay tuned for our upcoming blog. Enjoy an effortless LTO registration process by availing CTPL insurance online and avoiding costly fixers.


At Perla Insurance, we pride ourselves on our values of integrity, service excellence, and financial stability. With 60 years of experience as a premium non-life insurance provider in the Philippines, we are committed to offering the best insurance solutions. Our range of CTPL and comprehensive insurance products ensures peace of mind, providing protection and financial security for our clients. We also boast exceptional customer service and faster claims processing, making us a top choice for insurance needs.

We invite you to follow Perla Insurance on Facebook, Instagram, YouTube, and TikTok to stay updated with our latest offerings and updates.


Stay up to date on vital topics related to car safety and insurance in the Philippines by visiting our YouTube channel, ‘Perla Insurance.’

We address often asked concerns through our simple animated videos from our new “Perla Cares” series. This is to keep our viewers informed and to make this essential information more accessible to the general public from a reliable source- such as a well-trusted insurance company in the Philippines.

We also encourage our viewers to offer comments on topics they’d like to see covered in future videos so that we can make sure they’re getting the knowledge they require.


Like “PerlaInsuranceOfficial” on Facebook to help us develop our community’s relationships by increasing interaction and participation.

We’re also available to assist our community with any insurance-related inquiries.

If you choose to avail of our services, you can reach out to us via Facebook. Our team will provide you with extra information, lead you through the process, and explain the technique in greater depth.

Perla Insurance is proud to be one of the best car insurance companies in the Philippines. We not only provide the best car insurance, but also pride ourselves in our fast and personalized claims servicing whether you choose TPL Insurance or Comprehensive Insurance.

Both our TPL Insurance and Comprehensive Insurance packages will set your mind at ease when it comes to the protection and safety of your vehicle, yourself, and your loved ones.

Perla Insurance is concerned about our client’s well-being, as it always has been. As the Philippines’ best insurance company, we strive to meet our customers’ needs by delivering nothing less than the best auto insurance.

We strive to provide the highest level of service quality and the most benefits possible, ensuring that you receive the best return on your investment.

Because Perla Insurance is synonymous with high-quality insurance, the top insurance company in the Philippines guarantees both assurance and service excellence with all our customers.

If you have any questions regarding “How to Apply for CTPL Insurance in the Philippines,” feel free to comment below. We’re here to help!

Also Read: LTO Reminders to Update Before It’s Too Late

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