Overview

Stay ahead of the unexpected while you share the road

It only takes a few easy steps to kickstart worry-free adventures. Get the coverage you need instanly at a price you can afford: as low as ₱ 290!

Product

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

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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

₱ 290.00 / year

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Why Choose Oona CTPL Insurance?

With Oona, you can have the peace of mind that comes with knowing your vehicle is protected against the unexpected.

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Starts at only ₱290

We offer excellent value without compromising on coverage

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LTO Accredited

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

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Easy Purchase Online

Quick clicks, no tricks! Get your CTPL Insurance online, instantly.

Additional Services

Online Claim Submission

Submit your car insurance claims seamlessly via Whatsapp or online.

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Authorized Workshop Finder

Find Oona accredited repair shops near you.

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Got a Question about CTPL insurance in the Philippines?

Explore our FAQ page to find all the information you need.

What does Certificate of Cover refer to at LTO?

Answer

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.

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What does Certificate of Cover refer to at LTO?
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Can my CTPL insurance pay for damages to another person`s property?

Answer

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.

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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.
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How much does third-party insurance cost?

Answer

VTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.

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What is No Fault Indemnity?

Answer

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

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Is it illegal to drive a car without insurance in the Philippines?

Answer

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.

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Which insurance is best for cars?

Answer

It's recommended to get Comprehensive Insurance with Acts of Nature coverage, especially in the Philippines where natural disasters can happen.

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What is COC? Is this different from CTPL?

Answer

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.

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When does my CTPL Insurance expire?

Answer

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.

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When does my CTPL Insurance expire?
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How does TPL work?

Answer

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.

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How does TPL work?
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What is Compulsory Third Party Liability or CTPL?

Answer

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.

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How to file a claim for your CTPL Insurance?

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How to file a claim for your CTPL Insurance?

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