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- What is the Compulsory Third Part Liability (CTPL) product?
- What is covered by Compulsory Third Party Liability?
- Who is eligible for Compulsory Third Party Liability?
- How do I apply for Compulsory Third Party Liability?
- How do I file a claim for Compulsory Third Party Liability?
- How do I follow up my claims for Compulsory Third Party Liability?
- FAQS for Compulsory Third Party Liability
What is the Compulsory Third Party Liability (CTPL) product?
This insurance product by FPG insurance protects you from any possible liability to a third party individual caused by a motor vehicle accident.
What is covered by Compulsory Third Party Liability (CTPL)?
The CTPL covers Death Indemnity, Bodily Injuries and Fractures, and Permanent Disablement. Please see the tables below for more information.
Death Indemnity
|
Amount (PHP) |
|
|
Death Indemnity |
70,000 |
|
Burial and Funeral Expenses |
30,000 |
Bodily Injuries and Fractures
|
Types of Accommodation or Professional Attendance Extended |
Service Rendered |
Maximum Reimbursable Fees and/or Charges (Php) |
Hospital Rooms |
Max of 45 days per accident |
500.00/per day |
|
Laboratory examinations fees, X-Rays |
2,000.00 |
|
Surgical Expenses |
Major Operation |
7,500.00 |
|
Medium Operation |
5,000.00 |
|
|
Minor Operation |
1,500.00 |
|
Operating Room |
Major Operation |
1,500.00 |
|
Medium Operation |
1,000.00 |
|
|
Minor Operation |
500.00 |
|
Medical Expenses |
For Daily visits of Practitioner or Specialist |
400.00/per day |
|
The total amount of medical expenses must not exceed (for a single period of confinement) |
5,000.00 |
|
|
Drug and Medicine |
Actual value of drugs and medicine used but not to exceed |
20,000.00 |
|
Ambulance Charge |
Actual value of ambulance transport used but not to exceed |
1,500.00 |
Permanent Disablement
|
Loss of or Loss of use of |
Amount (PHP) |
|
Two Limbs |
50,000 |
|
Both Hands, or All Finger or Both Thumbs |
50,000 |
|
Both Feet |
50,000 |
|
One Hand and One Foot |
50,000 |
|
Sight of Both Eyes |
50,000 |
|
Injuries resulting in being permanent bedridden |
50,000 |
|
Any Other injury causing permanent total disablemen |
50,000 |
|
Arm at or above elbow |
20,000 |
|
Arm between elbow and wrist |
15,000 |
|
Hand |
15,000 |
|
Four Fingers and Thumb of one Hand |
15,000 |
|
Four Fingers |
12,000 |
|
Leg at or above knee |
20,000 |
|
Leg below knee |
15,000 |
|
One Foot |
15,000 |
|
All Toes of one foot |
10,000 |
|
Thumb |
8,000 |
|
Index Finger |
6,000 |
|
Sight of One Eye |
20,000 |
|
Hearing - Both Ears |
30,000 |
|
Hearing - One Ear |
15,000 |
Who is eligible for Compulsory Third Party Liability (CTPL)?
You are eligible to apply for Home Fire Protection if you are:
-
- An owner of a registered vehicle in the Philippines
- A Fully Verified GCash User
- Visit “How do I get Fully Verified?” to learn more.
- A Filipino citizen or foreigner who is a legal resident of the Philippines
How do I apply for Compulsory Third Party Liability (CTPL)?
Here is a summary of how to apply for Compulsory Third Party Liability (CTPL):
How do I file a claim for Compulsory Third Party Liability (CTPL)?
To file a claim for Compulsory Third Party Liability, secure the following required claim documents:
- Copy of Car Registration and Official Receipt
- Copy of Driver’s License and Official Receipt
- Police Report and/or Affidavit of Loss or Accident Report Form
- Third Party Bodily Injury Claim
- Receipts of Medicine of the Victim
- Hospital Bills
- Birth Certificate (if minor)
- Third-Party Death Claim
- Death certificate of the victim
- Funeral expense receipts
- Marriage Contract (if married)
- Birth Certificate (if minor or single) Please note that the review of the claim will only star
Note: The review of the claim will only start once you have submitted all the required claim documents. FPG Insurance will contact you if they require any additional information and/or document(s).
Approved claims will have the settlement amount disbursed in the GCash account or nominated bank account of the third-party claimant.
How do I follow up my claims for Compulsory Third Party Liability (CTPL)?
To follow up your claims you may contact:
FPG Claims Service Desk:
ph-claimsservicedesk@fpgins.com
(02) 8771-8500
FPG Customer Care
(02) 8859-1200 | (02) 8662-8600 | (02) 7944- 1300
Facebook:
FPG Insurance Philippines
Twitter:
@fpginsurance_ph
FAQS
Can I buy Compulsory Third Party Liability (CTPL) for someone else?
You cannot buy a policy for someone else directly.
How many policies can I buy?
You can only buy one (1) policy within the year.
When will my Compulsory Third Party Liability (CTPL) coverage start?
To coincide with the Land Transportation Office (LTO) requirement, we shall coincide your coverage with your vehicle unit’s plate ending
|
Plate Number |
Start Date |
|
Ending in one (1) |
February 1 |
|
Ending in two (2) |
March 1 |
|
Ending in three (3) |
April 1 |
|
Ending in four (4) |
May 1 |
|
Ending in five (5) |
June 1 |
|
Ending in six (6) |
July 1 |
|
Ending in seven (7) |
August 1 |
|
Ending in eight (8) |
September 1 |
|
Ending in nine (9) |
October 1 |
|
Ending in zero (0) |
November 1 |
When will the policy be issued/delivered?
FPG Insurance will issue an e-Policy and send it to your registered email address within 24 hours after you have completed the application process and payment. The ePolicy will be in PDF format and is readily printable. You may also view your policy on the Policy Page of your GInsure home page.
Can I cancel my policy?
You may cancel your policy within fifteen (15) days after you receive your policy. You can e-mail FPG Insurance Customer Care at phcustomercare@fpgins.com to cancel your policy. We shall process your premium refund exclusive of Documentary Stamps within fifteen (15) business days.
How do I pay for my insurance?
FPG Insurance will automatically deduct the amount for payment from your GCash wallet on the premium due date. Please make sure you have enough balance in the GCash wallet to keep your policy active.
What happens if LTO did not accept my insurance?
This is a valid and authenticated confirmation of cover which is accepted by all LTO branches. But if for instance that an LTO branch did not accept this insurance, please do the following:
-
Request for a denial letter from LTO stating their non-acceptance of policy
-
Inform us on the non-acceptance of policy through:
-
Email: phcustomercare@fpgins.com
-
Hotline: (02) 8859 1200
-
Facebook Messenger: https://www.facebook.com/fpginsurance.ph/