What is Compulsory Third Party Liability or CTPL?

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• Does the third party bodily injury liability cover injuries or death?

  The third party bodily injuries only covers death or injuries of persons. However, pets / animals can be covered under a third property damage.

• What are the coverages under comprehensive vehicle insurance?

  Own Damage / Theft (OD/T) – covers collision (accidental), fire, external explosion, self-ignition, lightning, overturning, theft, burglary, or malicious act as stated in your policy. Excess Third-Party Liability (BI/PD) – Covers cost for bodily ...

• Is vehicle Insurance required in the Philippines?

  The Philippines law dictates that every vehicle licensed for use on highways must be insured with CTPL coverage.