Motorcycle Insurance
Protection for Every Ride
CTPL for your registration, comprehensive for your motorcycle. Crux helps you pick the one you need.
Which motorcycle cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | CTPL | Comprehensive |
|---|---|---|
| Injury or death to other people | Yes | Usually |
| Needed to register or renew with the LTO | Required | Optional |
| Damage to your own motorcycle | ||
| Theft | Usually | |
| Your own injuries as the rider | Check the plan | |
| Typhoon and flood damage | If included |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your motorcycle cover ?
Injury or death to other people
CTPL is required to register or renew with the LTO. It covers injury or death to other people caused by your motorcycle, not your own motorcycle and not your own injuries as the rider.
Damage to your own motorcycle
Comprehensive cover protects your motorcycle against damage, usually together with third-party cover. Check the limit and how your motorcycle is valued.
Theft
Comprehensive plans usually cover theft, but the terms differ. CTPL does not. Check what you must do if the motorcycle is stolen.
Acts of nature
Typhoons and flooding are a real risk in the Philippines. Some comprehensive plans include acts of nature; check that yours does.
Personal accident, on top
A separate policy that pays a benefit for injury or accidental death, which CTPL does not pay to you as the rider. Some comprehensive plans offer it as an extra.
Repairs and claims
Ask where the motorcycle can be repaired, whether you can choose the workshop, the excess you pay on each claim and what you must send to file.
Three things to know before you ride
You need it to register or renew with the LTO. It covers other people, not you and not your motorcycle.
Damage and theft are covered on most comprehensive plans, together with third-party cover. Check acts of nature and the excess.
Pays a benefit for injury or accidental death. It is a separate policy, and some comprehensive plans offer it as an extra.
If you have an accident
A few steps in the right order keep the claim simple. Crux stays with you through it.
Buy it online, with a person behind it
Have your OR/CR, a valid ID and your motorcycle details ready. Crux helps you choose the cover, finish the process from your phone, and stays with you if you ever need to file a claim.
First step
Make sure everyone is safe
Move out of traffic if you can, check on everyone involved, and exchange details with the other rider or driver.
Second step
Take photos, get the report
Photograph the scene, the plates and the damage, and get a police report where needed. Claims move faster when the report and the photos are complete.
Third step
Tell your advisor
Message Crux as soon as you can. We tell you which documents to send and follow the claim with you.
Consult our recommended guides
Short, plain answers to the questions riders ask before they buy.
- Read the guide
CTPL insurance
What it covers, why the LTO requires it, and how to get your certificate online.
- Read the guide
Comprehensive car insurance
What a comprehensive plan protects, the roadside help to look for, and how claims work.
- Read the guide
Personal accident insurance
The benefit that pays you when an accident happens, and how it sits next to CTPL.
- Read the guide
Motor and car insurance
The two kinds of cover for every vehicle, and how to choose between them.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Motorcycle insurance covers the damage and the liability the policy names. It usually excludes:
- Damage to your own motorcycle under CTPL. CTPL covers injury or death to other people only.
- Your own injuries as the rider under CTPL. Personal accident cover is a separate policy.
- Riding 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 deliveries on a policy declared as private use.
- 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 motorcycle insurance.
Yes. CTPL is required to register or renew a motorcycle with the LTO. It covers injury or death to other people, not your own motorcycle or your own injuries as the rider.
Comprehensive plans usually cover theft, but the terms differ. CTPL does not. Check the wording and what you must do if the motorcycle is stolen.
A COV is a Certificate of Validation that the LTO has been introducing for CTPL, region by region. Whether it applies to you depends on the current LTO rules, so confirm before you buy.
CTPL is the legal minimum and protects other people. Comprehensive cover also protects your own motorcycle against damage and theft, and can add extras. Check the policy wording for what your plan includes.
Many insurers and agencies let you buy online or through an advisor. Have your OR/CR, ID and motorcycle details ready, choose the cover, pay online and receive the policy by email.
Personal accident cover is separate. It pays a benefit for injury or accidental death, which CTPL does not pay to you as the rider. Some comprehensive plans offer it as an extra.
Motorcycle insurance
Ride with the right cover.
Talk to a licensed advisor about your motorcycle and how you ride. CTPL or comprehensive: we help you choose.