Which Motor Insurance Type Do You Actually Need?
Third-Party Liability (Legal Minimum)
Covers damage and injury you cause to others. REQUIRED by LTO under Republic Act 10607. Does NOT cover damage to your own vehicle. Most affordable option — essential for legal compliance and LTO registration.
Comprehensive Coverage (Full Protection)
Covers Third-Party PLUS damage to your own vehicle from collision, theft, vandalism, natural disasters (typhoons, floods, earthquakes), and more. Includes roadside assistance and access to Crux's claims facility across Cebu.
What Does Comprehensive Motor Insurance Include?
Collision Coverage
Covers damage from car crashes, accidents, and impact with objects. Pays for repairs at Crux partner workshops across Cebu — cashless repair available.
Theft & Burglary
If your vehicle is stolen or burglarized, Crux pays the declared value minus deductible. Also covers break-ins and damage from theft attempts.
Acts of Nature
Typhoons, floods, hail, landslides, and earthquakes. The Philippines averages 20 typhoons per year (PAGASA) — Acts of Nature coverage is essential for Cebu vehicle owners.
Fire & Explosion
Coverage for fire damage from accidents, electrical faults, or arson. Also covers fuel tank explosions.
24/7 Roadside Assistance
Towing, fuel delivery, locksmith services, jump-start, and medical evacuation 24 hours a day, any day of the week.
Repair Shop Network
Choose from Crux partner workshops in Cebu for fast, quality repairs. Cashless repair available at accredited facilities.
Riding, not driving?
Motorcycles need CTPL to register with the LTO, and comprehensive cover protects the motorcycle itself against theft and damage. We arrange both.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Car insurance covers the damage and the liability the policy names. It usually excludes:
- Damage to your own car under CTPL. CTPL covers injury or death to other people only.
- Driving without a valid licence, or under the influence of alcohol or drugs.
- Deliberate damage, and racing or similar use.
- Wear and tear, and mechanical or electrical breakdown.
- Use that does not match what you declared, for example commercial use of a private car.
- Damage that happened before the policy started.
- Typhoon and flood damage, unless your comprehensive plan includes acts of nature.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about car insurance.
CTPL is required to register a vehicle and covers injury or death to third parties. Comprehensive cover also protects your own car against damage and theft, and can add extras.
Only if your comprehensive plan includes acts of nature. Check this first, because it matters in Cebu.
Yes. Motorcycles need CTPL to register with the LTO, and comprehensive cover is optional. The terms differ for trucks and other vehicles, so ask an advisor. Our guide to motorcycle insurance in Cebu lists what you need.
Many insurers and advisors let you complete it remotely. Have your OR/CR, ID and vehicle details ready. Our guide to car insurance in Cebu lists the steps.
Make sure everyone is safe, exchange details, take photos, get a police report where needed, and tell your insurer or advisor as soon as you can.
Usually the OR/CR, a valid ID and the vehicle details. For comprehensive cover you may be asked for photos of the car.
Motor insurance, Cebu
Get your car properly covered.
Tell a licensed advisor about your car and how you drive, and they will explain CTPL and comprehensive cover.