Updated: June 2026 · 3-minute read
Motorists across Cebu and the entire Visayas region can now purchase CTPL insurance 100% online — no trips to the LTO, no fixers. Whether you're in Cebu City, Iloilo, Bacolod, Tacloban, or anywhere in the Visayas, apply from your phone and get your LTO authorization code via SMS within 15–60 minutes after payment verification during working days. Accepted at all LTO branches and emission testing centers across Cebu and the Visayas.
No LTO trips needed
Apply entirely from your phone — no need to visit LTO Cebu or an insurance agent
Fast SMS delivery
Your LTO auth code arrives via SMS, typically within 15–60 minutes after payment
Valid across Cebu & Visayas
Accepted at LTO Cebu City, Mandaue, Lapu-Lapu, Talisay, Iloilo, Bacolod, Tacloban, and all emission centers across the Visayas
IC-accredited & legitimate
Underwritten by Travellers Insurance (Trisco), IC-accredited since 1964
| Vehicle Type | 1-Year Rate |
|---|---|
| Motorcycle / Tricycle | ₱340 |
| Private Car / SUV | ₱650 |
| Pick-up / Light Truck | ₱700 |
| Van / Minivan | ₱830 |
| Commercial Vehicle | ₱1,190 |
Apply Online
Fill out the form with your vehicle and owner details — under 5 minutes.
Pay Securely
Pay via GCash, credit card, or debit card.
Get Auth Code via SMS
Your LTO auth code and COC/Policy arrive via SMS and email within 15–60 minutes after payment verification during working days.
Get your CTPL in Cebu & Visayas — 100% online, auth code via SMS within 15–60 minutes after payment verification during working days.
Apply Now →