FPG Insurance Compulsory Third Party Liability (CTPL)
FPG Insurance Compulsory Third Party Liability (CTPL) provides you with financial protection and coverage for the death and/or bodily injury of a Third Party victim in an accident caused by the Insured Vehicle. It is required by law upon vehicle registration to cover damages and losses caused to any third-party person, property, or vehicle.
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Coverage
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/per day |
|
Laboratory examinations fees, X-Rays |
2,000 |
|
Surgical Expenses |
Major Operation |
7,500 |
|
Medium Operation |
5,000 |
|
|
Minor Operation |
1,500 |
|
Operating Room |
Major Operation |
1,500 |
|
Medium Operation |
1,000 |
|
|
Minor Operation |
500 |
|
Medical Expenses |
For Daily visits of Practitioners or Specialist |
400/per day |
|
The total amount of medical expenses must not exceed (for a single period of confinement) |
5,000 |
|
|
Drug and Medicine |
Actual value of drugs and medicine used but not to exceed |
20,000 |
|
Ambulance Charge |
Actual value of ambulance transport used but not to exceed |
1,500 |
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 permanently bedridden |
50,000 |
|
Any Other injury causing permanent total disablement |
50,000 |
|
Arm at or above the elbow |
20,000 |
|
The arm between the 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 the 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 |
|
The sight of One Eye |
20,000 |
|
Hearing - Both Ears |
30,000 |
|
Hearing - One Ear |
15,000 |
Eligibility
You are eligible to apply for FPG Insurance CTPL if you are:
-
- An owner of a registered vehicle in the Philippines
- A Fully Verified GCash user
- A Filipino citizen or foreigner who is a legal resident of the Philippines
Purchase FPG Insurance CTPL
You cannot buy a policy for someone else directly. You can only buy one (1) policy within the year.
Note: The amount for the annual premium payment will be automatically deducted from your GCash Wallet upon purchase. Please make sure you have enough balance in your GCash Wallet to make a successful transaction. If you are unable to pay for your premium due to insufficient funds in your GCash Wallet, FPG Insurance may terminate your policy. However, you still have a grace period of 30 days to pay for your premium.
To comply with the Land Transportation Office (LTO) requirement, your coverage will start 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 |
Claims and Cancellation
Claims
To file a claim for FPG Insurance Compulsory Third Party Liability (CTPL), send an email to the FPG Claims Service Desk at ph-claimsservicedesk@fpgins.com and attach 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)
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.
To follow up on your claims, please contact FPG Insurance
Cancellation of Policy
You may cancel your policy within fifteen (15) days after you receive your policy. Please email FPG Insurance Customer Care at phcustomercare@fpgins.com to cancel your policy. FPG Insurance will process your premium refund exclusive of Documentary Stamps within fifteen (15) business days.
Contact FPG Insurance
To contact FPG Insurance, please check out their available channels below:
- FPG Claims Service Desk:
- Email: ph-claimsservicedesk@fpgins.com
- Hotline: +632-8771-8500
- FPG Customer Care:
- Email: phcustomercare@fpgins.com
- Hotline: +632-8859 1200; +632-8662-8600; +632-7944-1300
- Facebook: FPG Insurance Philippines
- Twitter: @fpginsurance_ph