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How to Renew LTO Accreditation for Medical Clinics

Since January 2019, the Land Transportation Office (LTO) all over the Philippines has started working only with accredited medical clinics when it comes to physical and medical examinations of applicants of student permits, driver’s licenses, conductor’s licenses, and motor vehicle registrations. The accreditation for medical clinics has long become a requirement before they can issue medical certificates, but it’s only valid for one year, hence the need for annual renewal of LTO accreditation for medical clinics.

The annual renewal for LTO accreditation for medical clinics ensures that the clinics maintain the same quality of service originally recognized by the LTO. This ensures that the service does not deteriorate and the safety of both drivers and passengers does not get compromised. After all, a lot of things can happen in one year so it is necessary for the LTO to confirm that the medical clinic is still properly equipped and that it still has the personnel and the technology to support it.

renew lto accreditation for medical clinics

Renewing LTO Accreditation for Medical Clinics

An LTO-accredited clinic is a medical clinic that has gained an authorization to carry out medical examinations and provide medical certificates to applicants for student permit and driver’s and conductor’s licenses in the Philippines. This means that the renewal of such accreditation grants the medical clinics the authority to continue to legally operate and offer the same service for at least another year. 

The renewal of medical clinic accreditation at the LTO ensures that the medical clinic will continue to be acknowledged by the agency as one of its legitimate affiliates. Just like the initial accreditation, it ensures that the clinics continue to have the proper IT infrastructure to meet the computerization requirements of the agency as well as the right size and technology to offer the required services, including the biometric examination, medical validation and screening, and necessary documentation uploading at the LTO-IT system for medical clinics, the Land Transport Management System (LTMS) Medical Clinics Portal.

What is it for? 

The LTO service that allows for renewal of LTO accreditation for medical clinics is meant to give medical clinics the authority to offer its services and provide medical certificates to applicants for student permit and driver’s and conductor’s licenses. It was designed so that the LTO can check for quality and capacity to offer the designated service in a way that aligns with the LTO standards. 

Eligibility for Renewal of LTO Accreditation for Medical Clinics

Since the accreditation procedure is open to all private and government facilities, the same are the intended target of the LTO accreditation renewal service:

  • Previously accredited Private Medical Clinics or Health Facilities
    • Must be owned by any Filipino citizen who is at least twenty-five (25) years old; 
    • Must be either a domestic partnership or association; or a corporation organized under Philippine laws with at least sixty percent (60%) Filipino ownership
    • Must not be disqualified by any existing law or regulation
  • Previously accredited Government Clinics or Health Facilities

Requirements for Renewal of LTO Medical Clinic Accreditation 

Before initiating the request for renewal of LTO medical clinic accreditation, the following documentary requirements must be prepared first:

General Requirements For Private and Government Owned Clinics in LTO Philippines

  • Duly accomplished application form under oath and signed by the Owner of the medical clinic or Head of Agency of Government health facility
  • One (1) photocopy of the previous Certificate of Accreditation (CoA)
  • Original copy of updated Organizational chart showing its personnel and their functions, if necessary
  • Duly accomplished Health Facility Geographic Form (location map) and layout of the clinic, including dimensions (in case of transfer of location)

Additional Requirements of LTO Medical Clinic Accreditation

For private medical clinics and health facilities, here are some additional registration renewal documents:

For Private Medical Clinics

  • One (1) Certified true copy of valid Mayor’s Business Permit / Proof of application for renewal of permit
  • One (1) photocopy of latest Bureau of Internal Revenue (BIR) tax payment
  • One (1) photocopy of valid Certificate of Registration with National Privacy Commission (NPC) or proof of application duly received by NPC

Procedures for LTO Accreditation of Medical Clinics

To secure recognition as an LTO-accredited medical clinic, the transacting person from either private clinic or health facilities or government hospitals must follow these accreditation procedures:

Step 1: Visit the LTO Regional Office closest to where the medical clinic is located.

Step 2: Proceed to the Assessment and Compliance Monitoring Team (ACMT) Counter (for those visiting LTO Regional Offices) and secure the application form for the renewal of LTO accreditation for medical clinics.

Step 3: Submit the required documents to the designated officer at the ACMT Secretariat in the LTO Regional Office for completeness and verification.

Note: If the application is submitted after the expiration of the accreditation, the CoA is temporarily suspended.

Step 4: Once the documents are evaluated and verified by the designated personnel from the ACMT Secretariat Regional Office, you will be issued a Payment Order Slip (POS).

Step 5: Upon issuance of your Payment Order Slip (POS), proceed to the cashier for the payment of renewal fee and other required fees and applicable penalties.

Note: Government health facilities and clinics are exempted from the payment of the application fees. 

Step 6: Once paid, wait for the OR to be issued.

Step 7: Once your OR is released, proceed to the Releasing window at the ACMT Section and present your OR.

Step 8: Wait for the Certificate of Accreditation to be released.

Note: In the event of findings of deficiency or non-conformity, the clinic shall be suspended from operation until compliance to the findings.

Once the new Certificate of Accreditation is released, medical services and certificates may be continuously offered by the accredited clinics to drivers, conductors, aspiring conductors, and aspiring drivers who are looking to get a physical and medical assessment and acquire an LTO medical certificate.

Where to Register

To process an application for accreditation as an LTO-accredited medical clinic, you will need to visit the Assessment and Compliance Monitoring Team (ACMT) of the LTO Regional Office where the medical clinic was accredited.

Processing Time

The application for registration as an LTO-accredited doctor usually takes at least 5 days and 45 minutes, including the waiting time from the submission of complete requirements.

Potential Causes for Penalties, Suspension, and Sanctions

The renewal of LTO accreditation may incur an additional P1,000.00 penalty fee or suspension or closure if the clinic is found to have committed the following prohibited acts listed under Section 26 of LTO MC No. 2018-2157:

  • Violation of condition/s of accreditation and/or registration
  • Misrepresentation for purposes of securing an accreditation or registration or renewal thereof, such as giving a material false statement in the application or submitting falsified documents
  • Obstructing or attempting to obstruct inspection or visits by the authorized representatives of LTO
  • Engaging in activities outside the scope of the accreditation such as but not limited to selling of insurance policy, notarization of documents and photocopying services within the premises of the medical clinic
  • Tampering of medical examination result by deliberately entering any false information about the applicant’s health or physical condition
  • Direct or indirect solicitation of clients
  • Any act similar or analogous to the foregoing

Fees and Penalties

To get accreditation as an LTO-accredited medical clinic, you must be prepared to pay for the LTO fees which includes the Renewal Fee amounting to P3,000.00, the Legal Research Fund which costs P10.00, and the Penalty Fee of P1,000.00 if the renewal for accreditation is applied after expiration of accreditation.

After due notice and hearing, the following punishments detailed in Section 28 and 29 of  MC No. 2018-2157 may also be imposed towards medical clinics: 

  • Suspension not exceeding six (6) months; or 
  • Revocation of the accreditation of clinic or registration of physician; or
  • Suspension not exceeding six (6) months or revocation of the accreditation of clinic or registration of physician, or both upon the discretion of the LTO Regional Director
  • The LTO Regional Director may immediately impose preventive suspension for not more than sixty (60) days pending the outcome of the investigation.
  • A medical clinic shall cease its operation and shall not accept any client for medical examination during the period of preventive suspension.
  • The medical clinic shall be automatically denied access to the LTO IT System.
  • A medical clinic which engages in the medical clinic business or makes it appear that it is authorized to perform medical examination on applicants without proper accreditation and/or registration shall be penalized with perpetual disqualification from accreditation and/or registration.

Important Reminders

For your reference, here are some important things you need to remember as you request for accreditation as an LTO-accredited medical clinic:

  • If the renewal application is submitted after the expiration of the accreditation, the CoA is temporarily suspended.
  • In the event of findings of deficiency or non-conformity, the clinic shall be suspended from operation until compliance to the findings.
  • Accreditation of Medical Clinics is under multi-stage processing.
  • Renewal of Certificate of Accreditation shall be filed to the LTO Regional Office having jurisdiction of the area where the medical clinic is located within ninety (90) days before its expiration.
  • Processing time includes waiting time and starts upon the submission of complete requirements.
  • Accredited medical clinics can only issue medical certificates to applicants of driver’s and conductor’s licenses after a complete physical and medical examination or they may face suspension or permanent closure.
  • The renewal of accreditation for private medical clinics at the LTO is not free, but government hospitals, health facilities, and clinics are exempted from the payment of the application fees.
  • As the LTO transitioned to a digitized agency, the transmittal of medical certificates has changed and the LTO now only accepts electronically transmitted ones via the Land Transport Management System (LTMS) portal.
  • In case of committing any of the prohibited acts detailed under Sec. 26 of LTO MC No. 2018-2157, there are corresponding administrative penalties and sanctions as well as preventive suspension defined under Sections 28 and 29 of the same circular.

Frequently Asked Questions (FAQs)

To help make the LTO accreditation renewal procedures for medical clinics as painless as possible, here are some common questions and answers related to LTO renewal of accreditation for medical clinics: 

1. Can I renew my medical clinic accreditation from any LTO office? 

No. Renewal of LTO accreditation for medical clinics is only offered by the Assessment and Compliance Monitoring Team (ACMT) Counter of the LTO Regional Offices.

2. How much does it cost to renew the LTO accreditation for medical clinics?

Renewal of accreditation for medical clinics at the LTO requires the payment of Renewal Fee amounting to P3,000.00 and the Legal Research Fund which costs P10.00. In cases of violations, there will be an additional of P1,000.00 to cover the Penalty Fees.

3. Why do clinics and health facilities need to renew registration as an LTO-accredited medical clinic? 

First, because the LTO gives utmost importance to all the processes involved in the issuance of licenses, the agency requires that the clinic meet certain standards in terms of size and infrastructure. Because these things are prone to wear and tear, it is necessary for the agency to check on a regular basis that the clinics still have what it takes to offer quality service, hence the need for annual renewal.

4. What would happen to clinics found to be issuing medical certificates for sale without a physical/medical exam if?

If an LTO-accredited medical clinic is found to be selling medical certificates or issuing medical certificates without subjecting the license applicants tona physical or medical exam, not only would they pay the penalty fee amount to P1,000.00, but they might also face other penalties ranging from suspension to revocation of accreditation or even a permanent ban.

5. Who do I reach out to for inquiries and concerns?

For more information or other concerns regarding the renewal of LTO accreditation for medical clinics, you may contact the LTO via the following:

Land Transportation Office

Office Address: LTO Compound, East Avenue, Diliman, Quezon City, 1100 Philippines
Tel. No.: 89229061 to 63
Email Address: ltomailbox@lto.gov.ph, clientcare@lto.gov.ph
Official website: https://lto.gov.ph/
Land Transport Management System (LTMS) portal: https://portal.lto.gov.ph/ords/f?p=PUBLIC_PORTAL:CONTACT_US:115716301949471
LTO Text Hotline Service: You may use LTO’s nationwide SMS service for drivers and vehicle owners by typing LTOHELP and sending it to 2600
LTO office: For information, you may check the LTO branch offices closest to you.

Summary

Getting authority granted to the private and government Medical Clinics relative to the issuance of Medical Certificates to Student-driver’s Permit and Driver’s/Conductor’s license applicants requires an application for accreditation from the LTO. However, such accreditation has a time limit of one year, hence the need for annual renewal through the accreditation renewal procedures. The process itself is relatively easier and cheaper and the processing period is also much shorter compared to when securing accreditation for the first time. So, if you ever need to renew your medical clinic’s LTO accreditation, then, you can use this guide here for your reference.  

List of LTO-Accredited TPL Insurance Companies

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.

Table of Contents

list of cptl insurance companies philippines accredited

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.

UVVRP Number Coding Philippines: Unified Vehicular Volume Reduction Program

The Unified Vehicular Volume Reduction Program (UVVRP), or more popularly known as “number coding,” or for the previous generation, “color coding,” is a road space rationing system implemented by the Metro Manila Development Authority (MMDA) in a bid to address the worsening traffic conditions on the roads, particularly on Epifanio de los Santos Avenue (EDSA). 

Also read: How to Get LTO Vanity License Plate (Personalized Plate Number)

This scheme is implemented in a bid to restrict the private and public utility vehicles on the road to lessen the traffic congestion. Then again, for the uninitiated, here’s how UVVRP or number coding works in the Philippines.

uvvrp guide to vehicle number coding in philippines

What is UVVRP or the Number Coding scheme?

The UVVRP, officially known as the Unified Vehicle Volume Reduction Program, or more commonly known as the number coding scheme, is a program that has been implemented by the MMDA since 1995. It was meant to exercise road space rationing, by restricting both private and public utility vehicles traversing the Philippine public roads. The restriction is carried out depending on the last digit of the vehicle’s license plate and is enforced during weekdays, from Monday to Friday.

The UVVRP originally started as an experiment, but later, when the number of vehicles plying Epifanio de los Santos Avenue (EDSA) has increased, the program evolved into one that is regularly implemented on weekdays. It has gone through many updates too, before the government ended up with the number coding system it uses up until today. 

Historical Background: We didn’t Always have Coding

Vehicle coding or UVVRP didn’t always exist. There was a time when everyone could drive their car anytime, 24/7, even in the Philippines, one of the first in the world to implement a continuing permanent coding scheme. 

The story of the UVVRP or number coding dates back to 1995. It started out as an odd-even scheme by virtue of Regulation No. 95-001. Under the original number coding system, vehicles with plates ending in odd numbers were banned from Metro Manila’s roads on Tuesday, Thursday, and Saturday, while vehicles with plates ending in even numbers were banned on Monday, Wednesday, and Friday. The number coding scheme has since evolved to adapt to the worsening traffic status in Metro Manila. Plus, there’s the construction of road improvements and new light rail systems in the metro, which contributes to the congestion. Eventually, other areas outside Metro Manila also began to implement their own coding schemes, such as those in Cavite and in Cebu.

Purpose of the Number Coding Scheme

The main purpose of the creation and implementation of the UVVRP or Number Coding Scheme is to lessen the vehicles. This is done in a bid to lessen the traffic congestion in the country. The UVVRP is a system implemented by the government to ban vehicles that travel on public roads depending on the last digit on their license plate. As of August 2022, the UVVRP or the MMDA number coding scheme already starts from 7 AM to 10 AM and then resumes from 5 PM to 8 PM with the time in between these hours being considered as “window hours” without coding.

How Number Coding (UVVRP) Works

Sure, the number coding scheme isn’t always in effect as it is only being implemented on the weekdays. Nevertheless, familiarizing yourself with the coding scheme would help both new and veteran drivers ensure smooth, hassle-free trips and compliance with the rules.

As of writing time, the MMDA implements the following coding scheme:

  • Prohibited time
    • 7 AM to 10 AM 

    • 5 PM to 8 PM

  • Prohibited days
    • Monday (ending in 1 and 2); 

    • Tuesday (ending in 3 and 4), 

    • Wednesday (ending in 5 and 6); 

    • Thursday (ending in 7 and 8); 

    • Friday (ending in 9 and 0)

Specific Rules per City

Some cities also have specific rules that work relative to the UVVRP or number coding scheme. It’s best to learn them and ensure that you avoid trouble and hefty LTO fines.

Rules in Alabang

While Muntinlupa City does not have a number coding scheme, there are certain exceptions where the MMDA’s UVVRP or number coding scheme applies. This includes:

  • Ayala-Alabang National Road

  • Alabang-Zapote Road corner Buencamino and North Gate

Violation of the rules in Muntinlupa entails having to pay a fine amounting to P500.00 on the first offense, P750.00 on the second offense, and P1,000.00 on the third and succeeding offenses. It is important to note that these amounts were penalties imposed for violation of coding schemes prior to the pandemic so some rules may have changed. 

Rules in Makati City

As Metro Manila’s Central Business District (CBD), Makati City is on a totally different level. In Makati, there’s a modified number coding system with no window hours which means that the number coding rules apply the entire day, from 7 AM to 7 PM. Makati also follows the standard pricing for penalties and fines, so violators will be charged the full amount of P300.00 for their first offense. Makati City, however, does give number coding exemption to vehicles carrying senior citizen Blu Card holders as drivers or passengers as well as those under official functions and medical emergencies as stated in the Makati Code.

Rules in Quezon City

Quezon City is quite normal, following the MMDA’s coding scheme of 7 AM to 10 AM and 5 PM to 8 PM, with window hours from 10:01 AM to 4:59 PM. 

Rules in Pasig City

Just like Quezon City and the rest of Metro Manila, Pasig City also follows the MMDA’s coding scheme from 7 AM to 10 AM and from 5 PM to 8 PM with window hours from 10:01 AM to 4:59 PM. 

Rules in Pasay City

If you’re residing in Pasay City, then be reminded that this city follows the same number coding scheme as the rest of Metro Manila, from 7 AM to 10 AM and from 5 PM to 8 PM. The window period of 10 AM to 4 PM is also the same, except that these number coding system doesn’t apply in main thoroughfare including:

  • Domestic Road

  • Ninoy Aquino Avenue

  • MIA Road

  • Sales Road, 

  • parts of Airport Road, and

  • Some parts of Buendia (Gil Puyat)

Rules in Paranaque City

Like the rest of the cities in Metro Manila, Paranaque City observes the same standardized coding scheme which entails a coding period between 7 AM to 10 AM and 5 PM to 8 PM, and a window period from 10 AM to 4 PM.

Rules in Mandaluyong City

As of August of 2022, Mandaluyong City also follows the standard MMDA’s coding scheme which means that the coding rules apply from 7 AM to 10 AM and from 5 PM to 8 PM, with a window period from 10 AM to 4 PM.

Rules in Manila City

As a vast city composed of several areas where vehicles can pass through, Manila City has a complicated process. Simply put, Manila City follows the UVVRP or number coding scheme but in certain areas, there are no window hours. Some Manila roads implement the standard number coding scheme with a window period from 10 AM to 4 PM. 

Rules in Valenzuela City

Valenzuela implements the standardized UVVRP or number coding scheme from 7 AM to 10 AM and from 5 PM to 8 PM with a window period of 10:01 AM to 4:59 PM. This program takes effect on the following Valenzuela roads:

  • MacArthur Highway

  • Maysan – Paso De Blas – Bagbaguin Road

  • Karuhatan – Gen. T. De Leon Road

  • Gov. I. Santiago Road (Malinta to Tatawid)

  • Mindanao Avenue (Barangay Ugong)

  • East and West NLEX Service Road

  • T. Santiago Road

  • Sapang Bakaw (Lawang Bato) – Punturin – Bignay Road 

Rules in Taguig City

The City of Taguig is partially exempted from the coding scheme. That said, there are still some areas that implement the standardized number coding scheme. These areas are as follows: 

  • National roads within the city boundaries, 

  • East Service Road, and 

  • Manuel L. Quezon Avenue

Rules in San Juan City

The City of San Juan also practices the MMDA’s number coding scheme. The only difference is that they implement it from 7 AM to 7 PM, with window hours from 10 AM to 3 PM.  During this window period, restricted vehicles are allowed to roam. 

Rules in Caloocan City

In Caloocan City, motorists observe the standard MMDA number coding scheme that runs from the usual 7 AM to 10 AM and from 5 PM to 8 PM coding period. The same window period applies to all the other roads within Caloocan except for Samson Road which doesn’t have a window period. That said, restricted vehicles are not allowed to traverse the said area throughout the entire number coding scheme period or they may face penalties for violation of number coding schemes.

What are the Penalties for Violating the Number Coding Scheme?

Being caught while violating the number coding scheme rules or UVVRP, means having to pay a standard fine amounting to P300.00 except in some places like Muntinlupa City where the fine is set to P500.00 for the first offense and P750.00 for the second offense. These penalties also need to be settled within seven days or they may bring additional fines when you renew your driver’s license.

Exemptions from the UVVRP

The UVVRP or number coding scheme is not all-encompassing. That said, while it generally applies to all, there are certain exemptions to the rule. These exemptions apply to vehicles and places and are detailed as follows:

The following vehicles are exempted from number coding schemes:

  • Public utility vehicles (PUV)

  • Transport network vehicles services (TNVS)

  • Motorcycles

  • Garbage trucks

  • Petroleum product trucks

  • Trucks bearing perishable or essential goods

  • Licensed Physicians

In Makati City, the following vehicles are also exempted from the number coding scheme:

  • Ambulances, fire trucks, police patrol, military vehicles on official functions

  • Diplomatic vehicles with diplomatic plates

  • Government vehicles with government plates

  • Official media vehicles with markings expressly showing their company while in official use

  • Tow trucks duly accredited by the City of Makati

  • Vehicles used by medical practitioners during emergency

  • Vehicles with Senior Citizen Blu Card holders as drivers or passengers

Note that while there was a time when the MMDA provided a process to apply for an exemption from UVVRP, particularly for medical personnel and senior citizens, this has been abolished as of July 2022. 

Meanwhile, some cities also don’t observe the number coding scheme. These includes:

  • Navotas

  • Pateros

  • Marikina (Marilaque/Marcos Highway)

  • Muntinlupa (Alabang-Zapote Road) 

  • Taguig (C-5, East Service Road, and Manuel L. Quezon Avenue).

The NAIA Expressway, Skyway, South Luzon Expressway, and other tollways however do not implement the UVVRP. It is also worth noting that sections of these toll roads that pass through Metro Manila are not covered by the scheme.

Important Reminders

For your reference, here are some important tips and reminders about UVVRP:

  • The expanded Unified Vehicular Volume Reduction Program (UVVRP) is not all-encompassing, which means there are exemptions and places where the scheme doesn’t apply.

  • In Makati, the number coding scheme has been modified such that there are no window hours. 

  • Window hours are there to make way for those whose vehicles are banned on the road die to the number coding scheme.

  • While the standard penalties apply in most places, Muntinlupa imposes exceptionally high penalties for violators of the number coding scheme. 

  • Some cities impose the number coding schemes in some roads and not on some roads, like in Manila and in Taguig. 

  • The coding period in Baguio City is from 7 AM to 7 PM, similar to the modified number coding scheme in Makati City and is lifted during holidays, festivals, and summer vacation months in order to accommodate more tourists.

  • The penalty for number coding violations in Baguio City is P500.00.

Video: Guide to the Expanded Unified Vehicular Volume Reduction Program (UVVRP)

Learn more about the expanded Unified Vehicular Volume Reduction Program (UVVRP), or more popularly known as “number coding,” or for the previous generation, “color coding by watching this video posted by the MMDA:

Frequently Asked Questions (FAQs)

For more information on UVVRP or number coding scheme, here are some common questions and answers about it:

1. What are the Number Coding days?

As a driver or even as a car owner, it’s best to know your vehicle’s plate number. The last digit, in particular, is especially important to remember as it determines the day when you should avoid using it to avoid violating the number coding days. Plate numbers that end with 1 and 2 are not allowed to travel on certain roads every Monday. The same policy applies on plate numbers 3 and 4 every Tuesday, 5 and 6 every Wednesday, 7 and 8 every Thursday, and 9 and 0 every Friday.

2. At what time are the Number Coding hours?

The standard number coding scheme period is from 7 AM to 10 AM and from 5 PM to 8 PM. There are, however, special areas such as Makati City that still stick with the traditional 7 AM to 7 PM coding scheme. 

3. What are window hours?

Window hours gives drivers the immediate grant to go through their cities without fear of violating the number coding scheme. Some roads including the Radial Roads, Circumferential Roads, and National Roads, on the other hand, are not supported by the window hours system. Although there are no window hours on the following roads as mentioned, drivers can cut through these roads by taking secondary routes. Do take note that this would require you to check the window hours schedule of the respective location you are to pass through. 

4. Are there any cities in Metro Manila without Number Coding window hours?

Yes. Makati is the only city that does not follow the Number Coding window hours. The other cities within Metro Manila that observe the number coding scheme  follow the standard coding scheme with a window period of between 10:01 AM to 4:59 PM.

5. Is there Number Coding outside of Metro Manila?

Yes. In an effort to regulate vehicular activities in different areas, the UVVRP has also been stretched throughout different locations outside of Metro Manila. These places include Baguio, Cavite, Cabanatuan, and Dagupan, with all cities following the same daily conduction sticker or license plate restriction. 

Baguio imposes the number coding scheme in the Central Business District which is crowded due to offices, businesses, and big schools situated within the area. There are selected areas that are limited to restrictions, too, which includes:

  • Session Road

  • Burnham Park

  • Baguio City Market 

Cavite City has also been practicing the UVVRP, with its number coding scheme being implemented during weekdays from 6 AM to 7 PM on the following major thoroughfares within the territorial jurisdiction of the province:

  • Aguinaldo Highway (Bacoor to Dasmarinas-Silang boundary)

  • Governor’s Drive (Carmona to Trece Martires City – Tanza boundary)

  • Molino-Salawag-Paliparan Road (Zapote, Bacoor to Paliparan, Dasmarinas)

  • Molino Boulevard

  • Daang Hari Road (Aguinaldo Highway, Imus to Molino, Bacoor)

Window hours usually last from 9 AM to 3 PM Above all its number coding policies, violators will then have to pay a fine of P300.00.

6. Are there likely to be any changes to Number Coding in the future?

Yes. As in most circumstances including the MMDA number coding scheme, change is inevitable. The best example would be Pasig’s odd-even number coding scheme which was discontinued by Mayor Vico Sotto, as it is believed to be an unfair system as it would prohibit restricted vehicles from plying the road throughout the entire coding period. Currently, Radial Roads, Circumferential Roads, and National Roads are not already supported by the window system. With a number of strategic solutions to the current problems related to number coding schemes being proposed and applied today, certain changes in the number coding scheme will surely occur in the near future.

Summary

Simply put, with the Unified Vehicular Volume Reduction Program (UVVRP) or number coding scheme in place, if a designated plate number is covered by the designated coding scheme for the day, then your vehicle is not allowed to travel on major roads of Metro Manila within specific hours. If you do violate the coding scheme, the standard fine would be from P300.00 to P500.00 which must be settled within seven (7) days. If it was not issued by the MMDA, you would likely have to settle the violation with the local government unit (LGU) having jurisdiction in the area. To avoid this, it’s best to learn about the number coding scheme or to at least check if the number coding scheme is implemented in places that you will have to visit before you go out. 

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