Updated: April 2026 · 4-minute read
If you own a motorcycle or tricycle in the Philippines, you are required by law to have a valid CTPL (Compulsory Third Party Liability) insurance policy before you can register or renew your vehicle with the LTO. This guide covers everything motorcycle owners need to know — rates, requirements, and how to get your auth code online in minutes.
Yes — CTPL is mandatory for all motor vehicles in the Philippines, including motorcycles and tricycles. This is mandated by the Land Transportation and Traffic Code and enforced by the Land Transportation Office (LTO). Without a valid CTPL policy, you cannot:
The CTPL rate for motorcycles and tricycles is fixed by the Insurance Commission. You pay the same amount regardless of which IC-accredited provider you use — there is no "cheaper" option, only legitimate vs. fake.
| Vehicle Type | Coverage Period | Total Rate |
|---|---|---|
| Motorcycle / Tricycle | 1 Year (Renewal) | ₱340.00 |
| Motorcycle / Tricycle | 3 Years (New Registration) | ₱1,020.00 |
Prices include basic premium, Documentary Stamp Tax (DST), EVAT, and ISAP-COCAS authentication fee.
CTPL covers third parties — not the motorcycle owner or rider. Here's what's included:
Death of a third party
Financial compensation to the family of a person killed in an accident involving your motorcycle
Bodily injury / disability
Medical and rehabilitation costs for pedestrians or passengers injured by your motorcycle
Legal defense costs
Assistance with legal proceedings arising from an accident
What CTPL Does NOT Cover:
For protection of your own motorcycle, consider a Comprehensive Motor Vehicle Insurance from an accredited provider.
Apply Online at CTPLExpress
Fill out the online form — enter your motorcycle's plate number, MV File Number, engine number, chassis number, and your owner details (as registered with LTO). Takes under 5 minutes.
Choose Your Coverage Period
Select 1 Year for annual renewal, or 3 Years if you're registering a brand-new motorcycle for the first time (LTO requires 3-year CTPL for new registrations).
Complete Payment
Pay via GCash or PayPal/credit card. After payment, send your proof of payment screenshot to our support team.
Receive Your Auth Code via SMS
Your LTO authentication code and COC/Policy are delivered via SMS and email within 15-60 minutes after payment verification during working days. Present this at the emission center — no printing needed.
Can I use the same CTPL for both my motorcycle and another vehicle?
No. CTPL is issued per vehicle. Each motorcycle or vehicle needs its own individual CTPL policy.
Can I apply for motorcycle CTPL even if I'm already at the emission center?
Yes! That's exactly what CTPLExpress is built for. Apply from your phone while in line — your auth code will arrive via SMS within 15-60 minutes after payment verification during working days.
Is it safe to buy CTPL online for my motorcycle?
Yes, as long as you use an IC-accredited provider like CTPLExpress (powered by Trisco). All policies are transmitted directly to the LTO system via ISAP-COCAS, ensuring they are 100% valid and verifiable.
What if my motorcycle doesn't have a plate number yet?
For brand-new motorcycles without plates, you can apply using the MV File Number or Chassis Number. Contact our support team at support@ctplexpress.ph for assistance.
Does CTPL cover me if I get into an accident while riding?
No. CTPL covers third parties (pedestrians, passengers, other drivers) — not the motorcycle owner or rider. For your own protection, consider Comprehensive Motorcycle Insurance.
Get your motorcycle CTPL insurance online now — auth code via SMS within 15-60 minutes after payment verification. No fixers, no queues.
Buy Motorcycle CTPL Online →Powered by Travellers Insurance (Trisco) · IC-accredited since 1964