CTPL or Compulsory Third Party Liability Insurance Companies are companies that offer liability insurance that covers damage to other people and property in cases of vehicular accidents. It is a mandatory requirement set by the Land Transportation Office (LTO) for people who are looking to register their motor vehicles or are looking to renew their motor vehicle registration. This requirement is meant to offer protection to the general public as part of the agency’s mandate to guarantee road safety for pedestrians and public and private properties.
If you’re in the market for a CTPL insurance policy, regardless if it’s for use at the LTO for motor vehicle or motorcycle registration or renewal of registration, then you can check this list of licensed insurance companies authorized by the Insurance Commission and the LTO so you can make an informed decision about which provider is right for you. This list contains all the licensed and accredited CTPL insurance companies in the Philippines as of writing, along with their complete contact information, so it will be easy for you in case of concerns or inquiries.

What are the licensed CTPL insurance companies in the Philippines?
Here is a list of licensed and LTO-accredited insurance companies in the Philippines that offers CTPL Insurance:
Pioneer Insurance & Surety Corporation (Pioneer Intercontinental Inc. Company)
Office Address: Pioneer House Makati, 108 Paseo de Roxas, Legazpi Village, Makati City
Contact Person: Jennifer C. Tolentino
Telephone Number: +632 8812 7777 loc. 505, 02 7750 9999, 02 7750 5433,
Fax Number: 02 8817 1461
Email: jennifer.tolentino@pioneer.com.ph
Website: https://pioneer.com.ph/
Malayan Insurance Company, Inc.
Office Address: 4F Yuchengco Tower | 484 Quintin Paredes St., Binondo, Manila
Telephone Number: +632 8242 8888, +632 8628 8600, +632 8628 8712
Email: malayan@malayan.com
Website: https://malayan.com/
BPI/MS Insurance Corporation
Office Address: 6811 BPI Philam Life Makati, Ayala Avenue, Makati City
Telephone Number: 632 8840 9000
Email: insure@bpims.com
Website: https://bpims.com/
AIG Phil. Ins. Company (formerly Chartis Phils., Inc.)
Office Address: 30/F Philam Life Tower, 8767 Paseo De Roxas, Makati City
Telephone Number: +63 2 8 878 5400 (Customer hotline), +63 2 8 815 3000 (Office trunk line)
Email: callcenter.phl@aig.com (General inquiries), wecare.phl@aig.com (Customer concerns)
Website: https://www.aig.com.ph/home
Bethel General Insurance and Surety Corporation (formerly BF General Insurance Company)
Office Address: Unit 200, 2nd Floor Valero, Plaza 124 Valero St., Salcedo Village, Makati City
Telephone Number: +632 8817-2002 to 05 (MONDAY-FRIDAY,08:30 AM – 4:30 PM)
Email: inquiry@bethelgen.com
Website: https://www.bethelgen.com/
Philippines’ First Insurance Co., Inc.
Office Address: 7/F STI Holdings Center Bldg., 6764 Ayala Ave., Makati City
Contact Person: Luis M. Cebrero, Jr.
Telephone Number: +632 8892 8888, +63 9178473296
Email: salesmktg@philfirstinsurance.com.ph
Website: https://www.philfirstinsurance.com.ph/index
Cibeles Insurance Corporation
Office Address: 6th Floor State Centre Building, 333 Juan Luna Street, Binondo, Manila,
Telephone Number: +632 8242-1631 to 40
Fax: +632 8242-0718
Email: info@cibeles.com.ph
Website: https://www.cibeles.com.ph/
Charter Ping An (Phil Charter Ins. Corp or CPAIC) now merged with AXA Philippines
Office Address: G/F & 2/F 1286 Philippine AXA Life Centre Sen. Gil Puyat Ave. Makati City
Telephone Number: +632 8 5815-292, +63 917 1709292 (Globe), +63 919 056 5292 (Smart), 02 8885-0101 loc. 1724, 1419, 7355, 1558
Email: customer.service@axa.com.ph
Website: https://www.axa.com.ph/
Cocogen Insurance, Inc. (formerly UCPB General Insurance Company)
Office Address: Address: 22F One Corporate Center, Doña Julia Vargas Ave., cor. Meralco Ave. Ortigas Center, Pasig City 1600
Office hours: Mon-Fri: 8:00 AM – 5:00 PM
Chat hours: Mon-Sun: 6:00 AM – 12:00 MN
Telephone Number: 02 8811-1788, 02 8830-6000
Email: client_services@cocogen.com
Website: https://www.cocogen.com/
Standard Insurance Company, Inc.
Office Address: 28/F Petron MegaPlaza Bldg., #358 Sen. Gil Puyat Ave. Makati City
Contact Person: Marichu M. Mabiog
Telephone Number: 02 88465282 loc. 100 & 101, +632 8845 1111
Email: teamonline@standard-insurance.com
Website: https://www.standard-insurance.com/
Alliedbankers Insurance Corporation
Office Address: 17/F Federal Tower Building, Dasmariñas Street cor. Muelle de Binondo, Binondo, Manila
Telephone Number: +632 8245-2886, +632 8243-0075
Email: info@alliedbankers.com.ph, customerservice@alliedbankers.com.ph
Website: https://www.alliedbankers.com.ph/
Starr International Insurance, Phils. Branch
Office Address: 23F, Tower 2, The Enterprise Center, 6766 Ayala Avenue corner Paseo de Roxas, Legaspi Village, Makati City, 1226 Philippines
Business Hours: Monday to Friday, 9am to 5pm (Closed on Saturdays, Sundays and Public Holidays)
Telephone Number: +632 8689-6600 (General Inquiry), +632 8689-6634 (Travel Insurance Customer Service)
Fax: +632 8689-6630
Email: customercare.ph@starrcompanies.com
Website: https://www.starrinsurance.com.ph
Etiqa Philippines (formerly AsianLife & General Assurance Corporation)
Office Address: 2/F & 3/F Morning Star Center 347 Sen. Gil J. Puyat Avenue 1209 Makati City Philippines
Telephone Number: +632 8890 1758, +632 8895-3308 (Medical Information Center), 1-800-10-895-3308 (PLDT Toll Free), +63 917-520-8919 (Customer Hotline for Globe Users), +63 908-883-4901(Customer Hotline for Smart Users)
Fax: +632 8895-8519 / 8895-8524
Website: https://etiqa.com.ph/index.aspx
AIA Philippines (formerly Philam Life and Gen. Insurance Company)
Office Address: 23ʳᵈ Floor 8767 AIA Tower (formerly Philam Life Tower) Paseo De Roxas, Makati City, Metro Manila
Telephone Number: (02) 8 528 2000
Email: customerservice.ph@aia.com
Website: https://www.aia.com.ph
Prudential Guarantee and Assurance Inc.
Office Address: Coyiuto House, 119 Carlos Palanca St. Legaspi Village, Makati City,
Telephone Number: 02 8459-4734 (24/7 Roadside Assistance), 0917 842-PGAI (7424) (Insurance Inquiries), 02 8810-4916, 8878-3000
Business Hours: Mon to Fri, 8:30 AM – 5:30 PM
Email: customercare@prudentialguarantee.com, pgainfo@prudentialguarantee.com
Website: https://www.prudentialguarantee.com/
Bankers Assurance (Malayan Zurich)
Office Address: Room 604 Dona Felisa Syjuco Building, 1872 Remedios Street corner Taft Avenue Malate, Manila
Telephone Number: 632 8567-4678
First Nationwide Assurance Corporation
Office Address: 4/F, Yuchengco Tower II, L.P Leviste cor. Gallardo Streets Salcedo Village, Makati City
Telephone Number: 02 8843 8080, 0946 3517385
Pacific Cross (formerly Blue Cross Insurance, Inc. and State Bonding and Insurance Company, Inc)
Office Address: 2nd Floor (Client & Partner Center), 8th Floor (Sales & Customer Service Center) and 18th Floor (Operations & Executive Center)
8 Rockwell Building, Hidalgo Drive, Makati City, Metro Manila, Philippines
Business Hours: 8:30 am to 5:30 pm, Monday to Friday (except holidays)
Contact Person:
Telephone Number:+632 8230-8511 (For 24/7 client inquiries and support), +632 8899 8001 (corporate transactions)
Website: https://www.pacificcross.com.ph
Perla Compania de Seguros, Inc.
Office Address: 2nd Floor Perla Mansion Building, 117 Carlos Palanca Jr. Street, Legaspi Village, Makati City
Telephone Number: +632 8892 9548
Email: inquiry@perlainsurance.com
Website: https://perlainsurance.com/
QBE Seabord Insurance Phils, Inc.
Office Address: 16th Floor, Equitable Bank Tower Building, 8751 Paseo de Roxas, Makati City
Business Hours: 9:00AM – 4:00PM, Mondays to Fridays
Telephone Number: 0998 276 9212, +633 4431 2314
Website: https://www.qbe.com/ph
Stronghold Insurance Company, Inc.
Office Address: 17/F, Security Bank Centre, 6776 Ayala Avenue, Makati City
Telephone Number: (632) 8891-1329 to 37, 0917-805-0725, 0920-981-4936
Website: www.strongholdinsurance.com.ph
Commonwealth Insurance Company
Office Address: 10th, 12th & 19th Floors BDO Plaza 8737 Paseo de Roxas, Makati City
Business Hours: 8:00AM – 5:00PM
Telephone Number: (02) 8403-0848; 8813-8475; 8818-7626
Fax. No.: (02) 8813-8575
Website: https://cic.com.ph/
Asia Insurance Corp.
Office Address: 23rd Flr Chatham House, 116 Valero cor. V.A. Rufino Sts., Salcedo Village,Makati, Philippines
Telephone Number: (632)8-845-3223
Fax: (632)8-888-2309
Email: aipc@asiains.com.ph
Website: http://www.asiains.com.ph/
Insurance Company of North America
Office Address: 24th Floor Zuellig Building, Makati Avenue corner Paseo De Roxas, Makati City
Business Hours: Monday to Friday, 8:30am – 5:30pm
Telephone Number: +63 2 88496000
Fax: +63 2 83258027
Email: philippines.cs@chubb.com
Website: https://www.chubb.com
Pioneer Asia Insurance Corporation
Office Address: 4/F, A And T Building, 244 Escolta Street, Binondo, City of Manila
Contact Person: Raphael Go Poh Leung
Telephone Number: +632 8241 0595, +632 8241 0596, +632 8241 0594
Email: raphaelp@philonline.com
Plaridel Surety & Insurance Company
Office Address: 88, Corporate Center , Suites 2501-2502 & 2602, Sedeno corner Valero Street, Salcedo Village, Makati City 1227 Metro Manila
Telephone Number: +63288896101, +63288896103, +63287521505, +63287521504, +63288896102, +63288892195, +63288300326
Reliance Surety & Insurance Company
Office Address: 8/F, G. A. Cu-Unjieng Center, 208 Dasmarinas Street Corner Quintin Paredes Street, Manila
Telephone Number: 2 8243 0261
Email: inquiries@rsi-insure.com
United Insurance Company, Inc.
Office Address: 6th Floor Federal Tower, Dasmariñas Street Corner Muelle De Binondo, Binondo, Manila
Telephone Number: 8241 4201
Website: http://www.unitedins.com.ph/
Sterling Insurance Company
Office Address: 191 Salcedo St. Legaspi Village Makati City
Telephone Number: +63 88930925
Email: info@sterling-insurance.com.ph
Website: http://sterling-insurance.com.ph/sici/
Corporate Guarantee and Insurance Company, Inc.
Office Address: Pampanga (Head Office) 2nd Floor CGIC Building, Jose Abad Santos Avenue, City of San Fernando, Pampanga
Telephone Number: + 63 (45) 961-2222, +63 (999) 885 3986
Email: clientcare@corporateguarantee.com.ph
Website: https://corporateguarantee.com.ph/
People’s General Insurance Corporation
Office Address: 420 Calle Magallanes Intramuros Manila Philippines
Contact Person: Anna Therese C. DEla Cruz (Quezon City Manager)
Telephone Number: +632-8527-7611 up to 15, +632-8527-6534, +632-8523-1080
Website: https://www.peoplesgen.com
Federal Phoenix Assurance Company, Inc.
Office Address: 2nd Floor Ibon Center, 114 Timog Ave, Quezon City, 1103 Metro Manila
Telephone Number: (02) 8990 4240
MAA General Assurance Philippines, Inc.
Office Address: 9th, 10th and 12th Floor, Pearlbank Centre, 146 Valero Street, Salcedo Village, Makati City
Telephone Number: (+632) 8867 2452 to 55
Fax: (+632) 8893 2230
Email: customerservice@maa.com.ph
Website: https://www.maa.com.ph/
Petrogen Insurance Corporation
Office Address: 15th Floor San Miguel Properties Centre
7 St. Francis Street, Mandaluyong City.
Telephone Number: (+632) 8-702-4952, (+632) 8-632-3000
Email: customercare@sanmiguel.com.ph
Website: https://petrogen.com.ph
Alpha Insurance and Surety Company, Inc.
Office Address: 1025 , San Marcelino St., Ermita, Manila
Contact Person: Ms. Myra Manalaysay
Telephone Number: (02) 8525-1301 loc.222, 0916-4657-223
Website: http://alphainsurance.com.ph/
Liberty Insurance Corporation
Office Address: JCS Building 119 Dela Rosa corner Carlos Palanca Streets, Legaspi VIllage, Makati City
Telephone Number: 8819 – 1961 to 66
Fax No.: 818 – 8639 / 819 – 5217
Website: https://www.libertyinsurance.com.ph/
FPG Insurance Co., Inc
Office Address: 6/F, ZUELLIG Building, Makati Avenue corner Paseo de Roxas, Makati City
Telephone Number: (02) 8818 7020, (02) 8859 1200 (02) 8662 8600 (02) 8771 8500 (02) 7944 1300.
Fax.: (02) 8811-5108
Email: phcustomercare@fpgins.com
Website: https://ph.fpgins.com/
Centennial Guarantee Assurance Corporation
Office Address: The World Center, 330, Sen Gil Puyat Avenue, Makati City, Metro Manila
Telephone Number: +63288112272, +63288114544, +63288114543, +63288640987
PGA Sompo Japan Insurance, Inc.
Office Address: 5th Floor Corinthian Plaza 121 Paseo de Roxas, Legazpi Village, Makati City
Business Hours: 8:30am-5:30pm Mondays-Fridays
Telephone Number: (632)88113417, (632)87055549
Fax: (632) 8811-3278 / 8892-3922
Email: inquiry@pgasompo.com (For General Inquiry), info@pgasompo.com (For Japanese Desk)
Website: https://www.pgasompo.com.ph/
Mercantile Insurance Company, Inc.
Office Address: 2/F The Mercantile Insurance Bldg. Gen. Luna St. cor. Beaterio St. Intramuros, Manila
Telephone Number: (632) 527-7701 to 20
Email: gen_info@mici.com.ph
Website: https://mercantile.ph/
Philippine British Assurance Company, Inc.
Office Address: Penthouse, Morning Star Bldg.
347 Sen. Gil Puyat Ave. Ext. Makati City you
Telephone Number: 8890 4051 to 57, 09175289042 (Globe), 09189606885 (Smart, Sun, Viber)
Fax: 8-897-3588
Email: info@philbritish.com
Website: https://www.philbritish.com/
Pacific Union Insurance Company
Office Address: Manila Regional Office, 726 and 728 Downtown Realty Bldg., 516 Q. Paredes St., Binondo, Manila
Contact Person: Michell K. Cabaneros
Telephone Number: 8242 2938
Email: michell.puic@gmail.com
Website: https://puicinsurance.com/
SGI Philippines General Insurance Company, Inc. (formerly Monarch Insurance Company, Inc.)
Office Address: 15/F, Citibank Towers, 8741, Paseo de Roxas, Makati City,
Telephone Number: +63-2-88480188
Fax: +63-2-7522200
Email: info@sgiphils.com.ph, marketing@sgiphils.com.ph
Website: https://sgiphils.com.ph/
Paramount Life and Gen. Ins. Corp.
Office Address: 14F & 15F Sage House, 110 V.A. Rufino St., Makati City
Business Hours: 8:00 AM to 5:00 PM, Monday – Friday Except on Holidays
Telephone Number: +63287729200
Email: insure@paramount.com.ph
Website: https://www.paramount.com.ph/
Investors Assurance Corporation
Office Address: Unit 1, 20th Floor, BDO Plaza Paseo De Roxas Avenue, Makati City
Contact Person: Noel A. Beltran
Telephone Number: +63288911099
Western Guaranty Corporation
Office Address: 11/F ETY Building, 484 Quintin Paredes St. Binondo, Manila
Telephone Number: +632 8241 7401, 0917-7161853, 0917-7161859, 0917-7088361
Fax: +632 8242 1183
Email: customercare@westernguaranty.ph
Website: https://westernguaranty.ph/
Visayan Surety & Insurance Corporation
Office Address: Unit 1403 Kepwealth Center, Samar Loop, cor. Cardinal Rosales Ave., Cebu Business Park, Cebu City
Telephone Number: (032) 8262-0588, 8231 – 9581, 8402-3865
Fax No. (032) 415-8286
Website: https://www.visayansurety.com/
Fortune General Insurance Corporation
Office Address: 4/F Citystate Centre, 709 Shaw Boulevard, Pasig City
Business Hours: Monday – Thursday: 8am – 6pm, Friday: 8am – 5pm
Telephone Number: (+632) 8706-3959
Website: https://fgeninsurance.com/
Intra Strata Assurance Corporation
Office Address: 8F/88 Corporate Center Building
Sedeño COR. Valero Sts.,Salcedo Village, Makati City
Business Hours: Monday to Saturday, 8AM to 5PM
Telephone Number: 8-817.3031 loc. 34 & 45
Email: intrastrata@gmail.com
Website: https://www.intrastrata.com/
New India Assurance Company, Ltd
Office Address: 405 ITC Bldg. 337, Sen. Gil Puyat Ave., Makati City
Telephone Number: (632) 8899-9999
Email: thenewindiamanila@gmail.com
Website: https://www.newindia.com.ph/
OONA Insular Insurance Corporation (formerly MAPFRE Insular Insurance Corporation)
Office Address: 1220 Acacia Ave., Madrigal Business Park Ayala Alabang Muntinlupa City
Telephone Number: (632) 8876 4400, 0920 918 6242, 0917 581 7175
Email: info@oona-insurance.com.ph
Website: https://myoona.ph/
Country Bankers Insurance Corporation
Office Address: Country Bankers Center 648 T.M. Kalaw Avenue Ermita, Manila
Business Hours: Mondays to Fridays 8:00AM – 3:00PM
Telephone Number: (632) 8523.8611 to 18, +63 918 845 9469
Fax No(s): (632) 8526.4311 ; (632) 8536.1056
Email: info@countrybankerslife.com.ph
Website: https://life.countrybankers.com/
AFP General Insurance Corporation
Office Address: Bonny Serrano Road, cor EDSA, Camp Aguinaldo, Quezon City
Telephone Number: 911-9888 (locals: 102, 103, 104, 105, 106, 107, 108), 099-8955-2374
Website: https://afpgen.com.ph/
Premier Insurance and Surety Corporation
Office Address: Room 301-302, Travellers Life Building, 490 Kalaw Avenue, Ermita, Manila
Telephone Number: (02) 8282 3645, 0938 285 5145, 0951 479 6808
Website: https://thepremierinsurance.business.site/
M Pioneer Insurance Inc. (Previously Republic Surety and Insurance Company, Inc.)
Office Address: 7F Tower 1, The Rockwell Business Center, Ortigas Avenue, Pasig City
Telephone Number: +63 2 8470 7742
Fax: +63 2 8470 3027
Website: https://mpioneer.com.ph/
Milestone Guaranty and Assurance Corporation
Office Address: Milestone Building 2654 Leveriza (Saygan) St., Malate Manila 1004
Telephone Number: (02) 8353-8025, 8353-8026, 8353-8028, +63 9285542097, +63 9177927111
Email: info@milestoneguaranty.com
Website: https://www.milestoneguaranty.com/wp2/
Oriental Assurance Corporation
Office Address: 2/F OAC Bldg., #27 San Miguel Ave. Ortigas Center, Pasig City
Telephone Number: 02 8631 7851 to 66
Email: info@orientalassurance.com
Website: https://orientalassurance.com/
R&B Insurance Corporation
Office Address: 15F Petron Mega Plaza Sen Gil Puyat Ave , Brgy Bel-air, Makati City
Asia United Insurance, Inc
Office Address: 9th Floor, Unionbank Center Bldg., Dasmariñas St. corner Quintin Paredes St., Binondo, Manila
Telephone Number: (632) 8242-1688
Email: asiaunited@auii.com.ph
Website: https://auii.com.ph/
Solid Guaranty Inc
Office Address: 4/F, Vicente Madrigal Building, 6793 Ayala Avenue, Makati City, Metro Manila
Telephone Number: +63288640950, (02) 8241 9901, +63 2 864 0950 to 52
Fax: +63 2 339 4082
Travellers Insurance & Surety Corporation
Office Address: 10th Floor G.E. Antonio Building T.M. Kalaw Street corner J. Bocobo Street, Ermita, Manila
Business Hours: 8:00 AM – 6:00 PM
Telephone Number: (632) 8400-9327, (632) 8521-3822, (632) 8521-5455
Fax: (632) 8521-4931
Website: https://www.triscoph.com/
Metropolitan Insurance Company
Office Address: 3/F, The Athenaeum Building, 160 L.P Leviste St., Salcedo Village, Makati City
Telephone Number: +63 2 8867 2888
Email: inquiry@miciph.com
Website: https://miciph.com/
Northwest Insurance & Surety Company, Inc
Office Address: NISCO Bldg., 272 Dasmariñas St, Binondo, Makati, 1006 Metro Manila
Telephone Number: (02) 8242 9330, +63282429331, +63282429334
PNB General Insurers Company, Inc.
Office Address: 2/F Philippine National Bank Financial Center, Pres. Diosdado Macapagal Boulevard, Pasay City
Telephone Number: (02) 8573 4212, (02) 459 4745 (24/7 Emergency Assistance)
FAX: (02) 526 3069, (02) 526 3640, (02) 526 3643, (02) 804 0741
Email: customercare@pnb.com.ph
Website: https://www.pnbgen.com
CLIMBS Life and General Inc.
Office Address: CLIMBS Building, Upper Zone 5 National Highway Bulua, Cagayan de Oro City
Business Hours: 8:30am to 5:30pm PST Monday to Friday
Telephone Number: +639177010662
Email: customerservice@climbs.coop
Website: https://www.climbs.coop/
Summary
Note that CTPL is mandated by the LTO for the general public’s protection. That said, it is different from your regular car insurance which is meant for the protection of the driver and the insured vehicle. You might not be interested in CTPL insurance, but since it is a requirement by the LTO for registrations and renewal of registrations, you, as a car owner, have no choice but to comply if you want to be able to legally operate your motor vehicle on Philippine roads without worrying about being stopped for violation or having to pay hefty LTO fines and even facing legal repercussions later on. After all, getting CTPL insurance doesn’t really cost that much considering the protection it offers.