Motorcycle Insurance is a comprehensive package designed to provide coverage for own property damage, third-party property damage, liability to third-party property, and liability for bodily injury incurred by a third party. As a motorcycle owner, you may be exposed to these risks while driving or owning a motorcycle.
Get covered for damages to your motorcycle, third-party liability, and accidental injuries every time you hit the road.
Standard Insurance Motorcycle Protect is an all-in-one motorcycle insurance policy designed to address the unique risks riders face on Philippine roads. Whether you commute daily on a scooter or ride a big bike, our coverage safeguards you against costly repair costs, third-party property damage liabilities, and accidental bodily injuries.
Our motorcycle insurance package provides layered protection across five essential core coverages:
CTPL for motorcycle is the legally mandated motorcycle insurance required by the Land Transportation Office (LTO) for vehicle registration. It covers financial liability for third-party bodily injury or death resulting from a vehicular accident, up to the official schedule of indemnities.
Provides additional liability protection when an eligible third-party bodily injury or death claim exceeds the applicable CTPL limit. VTPL covers the additional indemnities.
Covers legal and financial liabilities if your motorcycle accidentally damages another person’s property, structure, or vehicle.
Financial protection against physical repair costs or total loss of your motorcycle caused by accidental collisions, overturning, falling objects, fire, or third-party malicious acts.
Direct financial assistance for both the insured rider and eligible passenger. Covers emergency medical treatments, total permanent disability, or accidental death arising from a covered motorcycle accident.
Yes, Compulsory Third Party Liability (CTPL) is mandatory for all motorcycle owners in the Philippines to register or renew their vehicle registration with the Land Transportation Office (LTO). However, comprehensive motorcycle insurance (including Own Damage and TPPD) is highly recommended for full financial protection.
CTPL for motorcycle only covers third-party bodily injuries or death caused by your motorcycle. A comprehensive policy like Motorcycle Protect includes coverage for your own motorcycle’s repair damage (Own Damage), third-party property damage (TPPD), and personal accident benefits for the rider and passenger.
Passenger injuries may be covered when an applicable Personal Accident rider or passenger benefit is expressly included in the policy. By including the optional Personal Accident Insurance Rider (PA Rider), direct financial compensation for medical expenses, accidental disability, or loss of life is extended to both the insured driver and eligible passenger during a motorcycle accident.
Common requirements may include a completed claim form, driver’s license, motorcycle OR/CR, incident photos, repair estimate, and either a police report or notarized affidavit, depending on the circumstances.
Exclusions depend on the policy but may include:
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