Car & Motorcycle Insurance
CTPL is the law for LTO registration — but comprehensive is what protects your actual vehicle from own damage, theft, flooding, and typhoon. We get you both in minutes.
- CTPL for LTO renewal
- Own damage & theft
- Acts of nature (flood, typhoon)
- 24/7 roadside assistance
2,400+
Motor policies issued
Same day
CTPL issuance
8
Accredited casa & shops in Cebu
4 providers
Compared for your vehicle
Starting from
₱480
/month indicative
Coverage up to
₱1,500,000
Eligible: Vehicle age: 0–15 years (older vehicles assessed case-by-case)
Free advice · No obligation · IC-licensed advisors
Choose the right level of cover
FUL will compare across all our insurer partners to find the best price for the plan you choose.
Selected: CTPL Only — ₱125/month · ₱1,500/year
Get a quote for CTPL Only* Indicative premiums for a 2020 Toyota Vios with ₱700k declared value. Final premium depends on vehicle make, year, declared value, and use type (private/for hire).
Included & excluded — no surprises
CTPL (mandatory, third-party bodily injury)
Required for LTO
Own damage (collision)
Comprehensive plans only
Theft & carnapping
Comprehensive plans only
Acts of Nature (flood, typhoon)
Standard & AON plans
Third-party property damage
Other cars & property
24/7 roadside assistance
Wear and tear / mechanical breakdown
Racing / speed tests
Driving under influence (DUI)
Unlicensed driver at time of accident
How the process works
Share your vehicle details
Plate number, OR/CR, year/make/model, and declared value. Takes 2 minutes via WhatsApp or our contact form.
Get 4 insurer quotes
We quote Malayan, Standard, AXA and Etiqa simultaneously and show you the best combination of price and coverage.
Choose & pay online
Select your plan, pay via GCash, Maya or bank transfer. CTPL can be issued same day; comprehensive within 24 hours.
Receive policy & sticker
Policy docs emailed instantly. CTPL sticker (for MVUC) couriered within 2 days, or you can pick up at our Cebu IT Park office.
FUL compares CTPL and comprehensive quotes from Malayan, Standard Insurance, AXA and Etiqa — the four largest motor insurers in the Visayas. Fast issuance, accredited casa and non-casa repairs in Cebu.
Why choose this plan?
Legal & ready to register
Instant CTPL so you can renew your LTO registration the same day.
Typhoon-proof
Acts-of-nature cover for flooding and storms — essential in the Visayas.
Casa or non-casa
Choose dealer-casa repairs or accredited shops to manage your premium.
We compare plans from these insurers for you
Accredited repair shops & casas in Cebu
Toyota Cebu — authorized casa
Honda Cars Cebu — authorized casa
Mitsubishi — SMC authorized dealer
Hyundai Cebu — authorized casa
Autoplus Sportzcentrum (Mandaue)
Cebu Motor Works (Capitol)
Top Gear Auto Repair (Mabolo)
AccuAuto Body Works (Mandaue)
Documents you'll need
- Official receipt (OR)
- Certificate of registration (CR)
- Valid driver's license
- Vehicle photos (comprehensive)
Frequently asked questions
What clients say
Jessa Marie Labra
Lapu-Lapu City
“Got my CTPL same day for LTO renewal. John Carlo was super fast and explained everything clearly. Will definitely come back for comprehensive next year.”
via Google · John Carlo Tan
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Ready to get covered?
Free 30-minute consultation with a licensed FUL advisor — online or at our Cebu IT Park office. No obligation.