FPG Insurance
The Compulsory Third Party Liability (CTPL) coverage is mandated by the
Land Transportation Office (LTO) of the Philippines for all motor vehicle owners.
This driver of the insured vehicle is protected by this coverage from any possible liability for a
third party caused by motor vehicle accidents.
VEHICLE DESCRIPTION BASIC PREMIUM DST EVAT LGT LTO INTERCONNECTIVITY TOTAL PREMIUM
For One Year CTPL Coverage
Private Cars (including jeeps, and Utility Vehicles) 449.08 56.13 53.89 0.9 50.40 610.40
Light/Medium Trucks (own Goods) Not Over 3,930 kgs. 489.17 61.15 58.7 0.98 50.40 660.40
Heavy Trucks (Own Goods) and Private Buses over 3.930 kgs. 962.31 120.29 115.48 1.92 50.40 1,250.40
AC and Tourist Cars 593.42 74.18 71.21 1.19 50.40 790.40
Taxi, PUJ and Mini Bus 882.12 110.27 105.85 1.76 50.40 1,150.40
PUB and Tourist Bus 1,162.79 145.35 139.53 2.33 50.40 1,500.40
Motorcycles / Tricycles / Trailers 200.48 25.06 24.06 0.40 50.40 300.40
For Three Year CTPL Coverage
Private Cars (including jeeps, and Utility Vehicles) 1,291.1 161.39 154.93 2.58 50.40 1,660.40
Light/Medium Trucks (own Goods) Not Over 3,930 kgs. 1,403.37 175.42 163.40 2.81 50.40 1,795.40
Heavy Trucks (Own Goods) and Private Buses over 3.930 kgs. 2,758.62 344.83 331.03 5.52 50.40 3,490.40
AC and Tourist Cars 1,700.08 212.51 204.01 3.40 50.40 2,170.40
Taxi, PUJ and Mini Bus 2,526.06 315.76 303.13 5.05 50.40 3,200.40
PUB and Tourist Bus 3,327.99 416.00 399.36 6.66 50.40 4,200.41
Motorcycles / Tricycles / Trailers 577.39 72.17 69.29 1.15 50.40 770.40
Schedule of indemnities for bodily injury and/or death
A. Death Indemnity
DEATH INDEMNITY AMOUNT (PHP)
Death Indemnity 70,000
Burial and funeral expenses 30,000


B. Bodily Injuries and Fractures
TYPES OF ACCOMODATION OR PROFESSIONAL ATTENDANCE EXTENDED SERVICE RENDERED MAXIMUM REIMBURSABLE FEES AND/OR CHARGES (PHP)
1. Hospital Rooms Max of 45 days per accident 500.00/per day
Laboratory examinations fees, x-rays 2,000.00
2. Surgical Expenses Major Operation 7,500.00
Medium Operation 5,000.00
Minor Operation 1,500.00
4. Operating Room Major Operation 1,500.00
Medium Operation 1,000.00
Minor Operation 500.00
5. 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
6. Drug and Medicine Actual value of drugs and medicine used but not to exceed 20,000.00
7. Ambulance Charge Actual value of ambulance transport used but not to exceed 1,500.00


C. Permanent Disablement
LOST OF OR LOST 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 disablement 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


D. Other Incidental Expenses

The company will pay all pertinent and reasonable expenses incurred in connection with the accident no provided under this Schedule of Indemnities (A), (B) and (C), subject to a maximum amount of PhP10,000.00 but in no case shall the Company's aggregate payment exceed the overall limits under Sections I and II.