What's TPL?

**dr. d** · February 6th, 2014 10:48 AM

LTO does not sell TPLs. but there are a number of "favored" insurance firms beside the LTO bldg. i call them, "flavor of the month".
but i wonder, if yours does not coincide with the registration period, can you ask the insurance to time their insurance expiration dates, to coincide with the registration period of the car? hassle if the insurance policy lapses 6 months before/after the registration pd.

**cardict** · February 6th, 2014 05:16 PM

Originally Posted by dr. d

LTO does not sell TPLs. but there are a number of "favored" insurance firms beside the LTO bldg. i call them, "flavor of the month".
but i wonder, if yours does not coincide with the registration period, can you ask the insurance to time their insurance expiration dates, to coincide with the registration period of the car? hassle if the insurance policy lapses 6 months before/after the registration pd.

This isa good practice,para less complication( just in case)I' ve been doing this since my first car:

**noone09** · February 6th, 2014 08:19 PM

Salamat sa sagot mga sirs.

Tumawag at kumuha na ako ng CTPL sa Standard Insurance kanina lang. COD. 610 pesos.

Madedeliver din agad bukas.

**nhiecah_nice29** · February 6th, 2014 10:02 PM

Originally Posted by noone09

Salamat sa sagot mga sirs.

Tumawag at kumuha na ako ng CTPL sa Standard Insurance kanina lang. COD. 610 pesos.

Madedeliver din agad bukas.

P 560 Lang sa Mapfre Sir, COD Din.

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**povillo** · February 6th, 2014 10:28 PM

[QUOTE=nhiecah_nice29;2307700]P 560 Lang sa Mapfre Sir, COD Din.

My VTPL is expiring october 19 2014, if this is same as CTPL, can i asked the insurance agent for a 6 months validity of CTPL insurance thus having a year and just to have my ride registered for next month.

**derf8666** · February 6th, 2014 11:38 PM

[quote=povillo;2307713]

Originally Posted by nhiecah_nice29

P 560 Lang sa Mapfre Sir, COD Din.

My VTPL is expiring october 19 2014, if this is same as CTPL, can i asked the insurance agent for a 6 months validity of CTPL insurance thus having a year and just to have my ride registered for next month.

Voluntary TPL is different from Compulsory TPL. CTPL is needed by all vehicles for registration. Voluntary TPL is usually packaged with comprehensive insurance. Validity of VTPL can be different from that of CTPL. However, for convenience purposes, is better off packaged together especially after the 3rd year of the vehicle.

**noone09** · February 6th, 2014 10:36 PM

Originally Posted by nhiecah_nice29

P 560 Lang sa Mapfre Sir, COD Din.

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Tumawag din ako sa inyo kanina eh kaso naputol yung linya. Paquote nalang ako sayo pag irerenew ko yung compre ko.

**derf8666** · February 6th, 2014 11:34 PM

Originally Posted by nhiecah_nice29

P 560 Lang sa Mapfre Sir, COD Din.

Wala ba kayong authentication fee?

**nhiecah_nice29** · February 7th, 2014 12:24 AM

Originally Posted by derf8666

Wala ba kayong authentication fee?

Ano pong authenticati0n fee Sir? Sa Mapfre po kasi, connected po ung server namin sa LTO kaya po kapag dinala ng client yung CTPL policy na kinuha nila sa amin tinatanggap na po sya ng LTO.

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**derf8666** · February 7th, 2014 12:45 AM

Originally Posted by nhiecah_nice29

Ano pong authenticati0n fee Sir? Sa Mapfre po kasi, connected po ung server namin sa LTO kaya po kapag dinala ng client yung CTPL policy na kinuha nila sa amin tinatanggap na po sya ng LTO.

All legally accredited insurance companies issuing CTPL policies are connected with the LTO's server. And for the use of that service, an insurance company incurs a cost that is transferred to the client. They call it authentication fee, or authentication cost, or interconnectivity fee, etc. Please double check your policy if indeed you do not charge that amount.