When Should You Register Your Car Every Year and What Insurance Do You Need?

When Should You Register Your Car Every Year and What Insurance Do You Need?

Welcome to the topic “When Should You Register Your Car Every Year and What Insurance Do You Need?

When it comes to knowing the right time to get your car registered, it can be quite the hassle.

How are you supposed to know what time to get your yearly registration done? Also, why do you need TPL Insurance?

This article will answer all of these questions, as we at Perla Insurance want to guide you on the regulations for owning a vehicle in the Philippines. Especially as we feel it is our responsibility to do so as one of the best insurance companies in the Philippines.

There are many insurance companies in the Philippines, yet our reliability and dedication to our clients have proven us to be the most trusted non-life insurance company in the Philippines.

We strive to educate our customers and give them the information they require to make better-informed decisions about which car insurance they should choose for themselves that fits their needs.

We also plan to answer many other car insurance-related questions that they may have.

When Should You Register Your Car?

1. The Last digit of your plate number is the month you should register with the LTO:

The Land Transportation Office requires that each car be registered annually based on the last digit on their license plate numbers. That number denotes which month one should register every year.

The numbers are as follows:

  • 1 – January
  • 2 – February
  • 3 – March
  • 4 – April
  • 5 – May
  • 6 – June
  • 7 – July
  • 8 – August
  • 9 – September
  • 0 – October

Now let us try to put it in real life example, so it’s easier to understand. Let us say your car’s plate number is 123. The last digit of your car’s plate number is a 3. Therefore based on the chart above, you will need to register your car on March every year.

2. Second to the last digit is the week you should register in that month:

So, we’ve got the month down – but what about the week?

LTO requires that you check the second to the last digit of your car’s license plate number. Based on this number, you will need to register your car on that given week.

The numbers are as follows:

  • 1, 2, or 3 – First 7 days of the month
  • 4, 5, or 6 – Second week of the month
  • 7 or 8 – Third week of the month
  • 9 or 0 – Fourth week of the month

Following the earlier example of your car’s plate number being 123, the second to the last digit of your plate number ends is a 2. So integrating it with the month, you will need to register your car in the first 7 days of March every year.

How Do You Get Your TPL Insurance (Required For Registration Of Your Vehicle) From The Comforts Of Your Home?

Every year, car owners are required to register their car as a requirement of the law.

But before they register, the government requires every car owner to get TPL Insurance for their vehicle. What is TPL Insurance? Well, TPL or CTPL Insurance is Compulsory Third Party Liability. It is the lowest cost insurance with limited protection of P100K for death or medical expenses caused to another person.

Of course, staying protected in such a situation is essential. So, how exactly does one go about getting TPL Insurance? We have the answers for you!

And since we at Perla Insurance genuinely care for the convenience of our customers, especially during this New Normal, we are now offering the opportunity to gain access to TPL Insurance even from the comforts of your own homes!

1. Contact us!

The first step to gaining TPL Insurance from your home is to find your preferred medium of communication. Contact us directly so we can immediately get in touch with you to grant you the services you require.

You can contact us through any one of the following methods:

FACEBOOK – www.facebook.com/PerlaInsuranceOfficial

VIBER – (0949) 8179478

WEBSITE – http://www.perlainsurance.com

In terms of TPL Insurance, Perla Insurance offers different price packages based on whatever vehicle type you have. This is our pricelist as follows: Motorcycles, Tricycles and Trailers are P330.40, Sedans are P640.40, SUVs, Vans and Pick-ups are P690.40 and All Trucks are P1280.40.

We do not provide TPL insurance for for hire vehicles.

2. Provide us the details of your car found in your certificate of registration (CR) or send a snapshot of your CR.

The second step is to provide us with some pertinent information of your car – these details can be found in your certificate of registration:

  1. Name
  2. Address
  3. Make/Model
  4. Body
  5. Color
  6. Plate Number
  7. Motor Number
  8. Chassis Number
  9. MV File Number

However if you aren’t sure on which details to include, don’t worry. Simply send us a clear screenshot of your CR so that we can gain access to these details ourselves. With just a clear copy of your certificate of registration, we can immediately begin to process your TPL.

3. Pay the premium through online banking. Enter the amount to be paid.

The premium needs to be paid before you can avail of your TPL insurance.

For the added convenience of our customers, we offer the payment method of transacting with us through online banking. In line with our digitalization thrust, we want to provide you a means to send us your payment virtually and with ease.

You can pay through whichever bank you prefer. Just input the amount of your TPL and pay to Perla Insurance’s bank account number. Don’t forget to send us a copy of your online deposit slip so we can verify it!

4. Policy will be sent to your email address or Viber number. Just print it out.

After the premium is successfully paid and the amount has been entered, you will instantly receive the online copy of your policy through your email or via your Viber number.

Prior to the pandemic, the LTO used to require that car owners present the original copy of their Certificate of Cover (COC) when they register their car. The COC is an integral part of the policy, since it’s the document that certifies to the government that the car being registered has already availed of TPL Insurance coverage for the year.

However in line with Republic Act No. 11032, otherwise known as the Ease of Doing Business and Efficient Government Service Delivery Act, starting this year, the LTO is no longer requiring car owners to present the actual hard copy of their COC.

This is in line with Perla Insurance’s own digitalization efforts, which seeks to find ways to make things more convenient for you.

Therefore all you need to do is print out this policy or better yet, just bring a digital copy of it and you’re now good to go!

5. Go to the LTO for registration.

Finally, the final step is to go to the LTO to complete your car registration process.

All you have to do is bring a copy or screenshot of your Certificate of Cover (COC) which shows the authentication number of the LTO, your vehicle’s Certificate of Registration (CR), and last year’s registration or Official Receipt of your vehicle (OR).

It’s that simple! Remember you need to get your TPL insurance one month before you need to register your car!

We, at Perla Insurance, truly care about your safety and welfare.


Check out our YouTube Channel at the following link to stay up to date on our latest series – “Perla Cares” – where we answer much-needed questions so that we can keep our audience informed about car safety.

Our content is bite-sized and easily digestible animated videos where we explain complex and essential concepts in simple yet engaging ways.

We not only care about the safety of our client’s cars but most importantly, we care about the safety and protection of our clients and their families.

Since we greatly value the needs of our customers, we will continue to make videos based on the feedback and comments that we receive from our videos and Facebook posts.

If you prefer to watch a video of the topic we just discussed, click on the links below:

With Perla Insurance, know that we always have your back! Not only do we offer the best car insurance coverage, we also offer the fastest and most personalized claims servicing in the Philippines. With decentralized operations in our 15 branches across major cities nationwide, we offer you the accessibility and convenience you need.

Our insurance company is one of the most reliable car insurance companies in the Philippines, where we offer both TPL insurance and Comprehensive Car Insurance plans for your car, bus, taxi, truck or whatever vehicle you might have. We have meticulously crafted our insurance packages to cater to all your car insurance needs!

Have any questions regarding the topic When Should You Register Your Car Every Year and What Insurance Do You Need? Feel Free to comment below.

Also Read: Things to Check to Make Sure Your Car is Covered for Worry-Free Driving

1 thought on “When Should You Register Your Car Every Year and What Insurance Do You Need?”

  1. Hey, so my dad’s been thinking about getting a title registration service for his truck. You see, he recently moved to a different state, and they have some different regulations there. His old registration is expiring soon, and he’s heard that navigating the new state’s DMV can be a bit of a headache. It will help him to know that the government mandates that all automobile owners obtain TPL insurance for their vehicles prior to registration.

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