Motorcycle Insurance Philippines: CTPL, Cover and Costs

Motor ang daily ride ng milyon-milyong Pinoy, pang-trabaho man, pang-deliver, o pang-uwi sa probinsya. Every one of them needs CTPL to be registered. But many riders aren't sure what CTPL actually covers, how much it should cost, or whether it's worth getting more.

This guide answers those questions with the official rules and the prices sellers listed on 28 October 2026.

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Is motorcycle insurance required?

Yes, at least CTPL. The Insurance Code makes it unlawful to use any motor vehicle on public highways without compulsory insurance in force (Section 387), and the LTO can't register or renew a vehicle without proof that it's in effect (Section 389). Motorcycles are motor vehicles under the Code, so this covers your bike too.

Comprehensive cover, which protects your own motorcycle, is optional.

How much CTPL costs for a motorcycle

The Insurance Commission sets the CTPL premium. Under Insurance Memorandum Circular 4-2006, the total for motorcycles, tricycles and trailers, including documentary stamp tax, VAT and local government tax, is:

IMC 2024-01, which raised CTPL benefits from 24 March 2024, said the premium rates stay in force.

Prices sellers listed

Every listed price is above the official P250. If you pay more than P250, ask the seller what the extra covers and make sure the official receipt shows it. Our where to buy CTPL guide explains how to check that the policy is valid.

What motorcycle CTPL covers

CTPL pays for death or bodily injury to third parties and passengers caused by your motorcycle. Since IMC 2024-01, the limit is P200,000 per person, and the no-fault indemnity is P30,000.

It does not cover:

• Damage to your own motorcycle
• Theft of your motorcycle
• Damage to other vehicles or property
• Your own injuries as the rider

What about your angkas?

This is where many riders get surprised. Under Section 386 of the Insurance Code:

• A passenger is a fare-paying person on a vehicle used to carry passengers for pay.
• A third party is anyone other than a passenger, but it excludes members of the owner's household, family members within the second degree, and employees injured in the course of work.

So if your angkas is your spouse, child, parent or sibling, CTPL may not cover their injuries. The same goes for an employee riding with you for work. Ask the insurer what the policy says about back riders before you buy, and whether a separate personal accident policy would fill the gap.

Comprehensive cover for motorcycles

Comprehensive motorcycle cover can pay for damage to your own bike, theft, and more, depending on the policy. The Insurance Commission's motor tariff, with rates as of 1 January 2015, lists these motorcycle rates as a percentage of the sum insured:

The tariff sets the motorcycle deductible at a minimum of P500 or 1.0% of the sum insured, whichever is higher.

It also has separate tables for voluntary third party bodily injury and property damage liability, with their own motorcycle rates, and lists Acts of Nature cover at a minimum rate of 0.50%.

A worked example

Here's how the tariff numbers add up for a motorcycle insured for P100,000. This is an illustration, not a price for your bike. Insurers set their own premiums, and the tariff rates date from 2015.

Add Acts of Nature or voluntary liability cover and the total goes up.

A listed price

Oona lists Motorcycle Insurance starting from P1,090 a year on its product page, accessed 28 October 2026. The page says it covers collision, theft, fire, malicious acts and Acts of Nature, plus liabilities to other people and roadside assistance. The actual price depends on your bike, so read the policy wording before you buy.

Is comprehensive worth it for a motorcycle?

It depends on your bike and your situation. A few questions to ask yourself:

• Is your motorcycle financed? Check your loan contract for any insurance requirement before you decide.
• Could you replace it out of pocket? If losing the bike to theft or a crash would hurt your income, comprehensive helps.
• Do you ride in flood-prone areas? Acts of Nature cover is separate in the tariff, so check whether a policy includes it.
• Do you use it for work? Ask the insurer whether delivery or ride-hailing use is allowed under a private motorcycle policy. Using a vehicle in a way the policy doesn't allow can affect claims.

Our comprehensive vs CTPL guide explains the difference in more detail. It's written for cars, but the basics are the same.

If you have an accident

The steps are close to what car owners do. Our guide to using your car insurance covers them in detail, but in short:

1. Check for injuries first and get help for anyone hurt.
2. Report to the police, especially if someone is injured or the bike is stolen.
3. Take photos of the scene, the bikes or vehicles, and plate numbers.
4. Tell your insurer as soon as possible. Read your policy for its notice rules and the documents it asks for.
5. Don't repair the bike before the insurer inspects it, unless the insurer says you can.

For injury claims under CTPL, the no-fault indemnity is paid without proving who was at fault, and IMC 2024-01 set it at P30,000 per person. Section 398 of the Insurance Code says that if the insurer and claimant can't agree on the full claim, the insurer still pays the no-fault indemnity, and the claimant can keep pursuing the rest. The insurer can't force the claimant to sign a quitclaim for this.

Renewing with your registration

Insurance Commission Circular Letter 2021-54 says CTPL must be coterminous with your registration, and the insurer must issue a Confirmation of Cover (COC) that can be authenticated in real time. Bring the COC details to the LTO when you renew. Our renewal guide walks through the steps.

Before you buy

• Check the insurer is on the Insurance Commission's list of licensed non-life companies.
• Make sure the plate, MV file, chassis and engine numbers match your CR.
• Ask who's covered as a passenger or third party, especially your angkas.
• Ask what the deductible and any depreciation are for parts.
• Keep the policy, COC and official receipt.

Frequently asked questions

Is CTPL required for motorcycles in the Philippines?

Yes. The Insurance Code requires compulsory insurance for every motor vehicle used on public highways, and the LTO won't register or renew without proof of it.

Magkano ang CTPL ng motor?

Ang official total sa IMC 4-2006 ay P250 para sa 1 taon at P720 para sa 3 taon. As listed on 28 October 2026, sellers showed P280 to P300.40, at may dagdag na P100 validation fee sa M Lhuillier.

Does CTPL cover my motorcycle if it's stolen?

No. CTPL only covers death or bodily injury to third parties and passengers. Theft needs comprehensive or theft cover.

Is my angkas covered by CTPL?

Not always. The Insurance Code excludes household members and family within the second degree from the definition of third party. Ask the insurer how the policy treats back riders.

How much is comprehensive insurance for a motorcycle?

The Insurance Commission's tariff lists own damage and theft at 1.40% of the sum insured, so P1,400 for a P100,000 bike as an illustration. Oona listed Motorcycle Insurance from P1,090 a year on 28 October 2026.