Compulsory Third Party Liability or CTPL is a type of insurance required by the Land Transportation Office upon vehicle registration. It covers bodily injury and death caused to a Third Party (person/s) by the Assured. Standard Insurance will settle a valid claim of up to PhP 100,000, subject to the policy limits. CTPL is a standalone cover and responds first in the event of a third party’s bodily injury, death, and medical expenses.
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Requirements to purchase CTPL by Standard Insurance
How to purchase CTPL by Standard Insurance
Requirements to purchase CTPL by Standard Insurance
You can avail of this product if you are:
- A Fully Verified GCash user
- The owner of a car that can be insured
- Requirements:
- Private Cars: Sedan, AUV, MPV, Wagon, Van, Pick-up
- Age of car up to 15 years old
- Usage must be private
- Requirements:
Note: You may also purchase CTPL by Standard Insurance on behalf of someone else.
How to purchase CTPL by Standard Insurance
Note: Amount for 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.
Note: You will also receive a confirmation SMS and an email of your CTPL Policy.
View Policy Contract
Your Policy Contract and other Policy Documents are sent within an hour to the registered email address.
If you were not able to receive your policy within 24 hours or if you would like to request for an original copy of your policy, please contact the following:
- Mobile: 09178283984 from 8am to 5pm
- Hotline: (02) 8845-1111 after 5pm
- Email: inquiry@standard-insurance.com
How many policies can I purchase?
You can avail as many CTPL policies as you can, depending on the number of
cars you own.
When will be the start of my policy?
Your CTPL policy will commence based on the last digit of your vehicle’s plate
number:
Plate Number |
Start Date |
Ending in 1 |
February 1 |
Ending in 2 |
March 1 |
Ending in 3 |
April 1 |
Ending in 4 |
May 1 |
Ending in 5 |
June 1 |
Ending in 6 |
July 1 |
Ending in 7 |
August 1 |
Ending in 8 |
September 1 |
Ending in 9 |
October 1 |
Ending in 0 |
November 1 |
How do I renew my policy?
To renew your policy, please register your existing policy for online access on the website of Standard Insurance.
Registered policies get a renewal prompt 90 days before policy expiration. You may renew your policy via the following channels:
- Mobile: 09178283984 from 8am to 5pm
- Hotline: (02) 8845-1111 after 5pm
- Facebook: @StandardInsurancePH
- Email: inquiry@standard-insurance.com
CLAIMS
When should I file a claim for my CTPL?
You can file a claim for third-party bodily injury immediately after the
occurrence or up to 90 days.
How do I file a claim for benefits from my CTPL policy?
You may file a claim by going to the Standard Insurance Online Claims Notification. Once you have completed the form and have attached the required documents, a representative from Standard Insurance will email you the next steps necessary to process your claim.
You may also contact Standard Insurance via the following channels to follow up on your claims:
- Mobile: 09178283984 from 8am to 5pm
- Hotline: (02) 8845-1111 after 5pm
- Facebook: @StandardInsurancePH
- Email: inquiry@standard-insurance.com
What are the requirements to file a claim for CTPL by Standard Insurance?
To file a claim for your CTPL Policy, please prepare the following documents:
- Certificate of Registration (CR) and Official Receipt (OR) covering loss date
- Photocopy of Driver’s license and official receipt
- Original Police Report
- Original Medical Certificate
- Original hospital bills/receipts
- Birth Certificate (For Minors only)
How long would it take before I receive my claim settlement?
Note: Claims proceeds may be availed either through check or online transfer
Once you have filed a claim and have completed the required documents, reimbursement will be evaluated within 5 days.
Can I file for a claim if my insured vehicle gets into an accident while being driven by another person?
Yes, your policy can cover your if the insured vehicle gets into an accident while being driven by another person subject to the following conditions:
- You have authorized/permitted them to operate or drive your insured vehicle.
- The authorized/permitted driver carries a driver’s license.
- Subject to all other policy terms and conditions.
FAQS
How do I make changes to my policy?
If you have any changes in your policy, please reach out through the following channels:
- Mobile: 09178283984 from 8am to 5pm
- Hotline: (02) 8845-1111 after 5pm
- Email: inquiry@standard-insurance.com
Note: Any change or modification in your insured vehicle (i.e. engine no., color, etc.) must be declared in the policy. New details that may be found contrary to the policy that are not properly endorsed may be used as grounds for the denial of the claim.
How do I request a refund for my CTPL policy?
You may request a refund and cancel your policy within seven (7) days after receiving it via email. All premiums shall be returned to your GCash wallet provided it is made before 12mn of the same day of purchase. A representative of Standard Insurance shall process cancellation requests made after the cut-off. Your refund shall be credited back to your GCash Wallet or nominated bank account.
If the 7-day cancellation period falls on the following month, pro-rata premium and taxes shall be returned except the documentary stamps.
What should I do if the CTPL I received is not authenticated?
To register your vehicle in LTO successfully, your CTPL must be authenticated. You will receive a notification that your CTPL needs further authentication in your email. A representative from Standard Insurance will contact you to facilitate the authentication. Additional information (i.e., updated plate no., correct motor/serial number) may be required from you to proceed with the authentication.