Bound by a common vision of bringing insurance closer to the Filipinos and hasten  vehicle registration at the Land Transportation Office (LTO), major motorcar insurer Federal Phoenix Assurance Co. (FPAC) embarked on a groundbreaking partnership with the leading microinsurance agency Cebuana Lhuillier Insurance Solutions (CLIS), insurance arm of the country’s largest pawnshop chain Cebuana Lhuillier, through the Cebuana Compulsory Third Party Liability (CTPL) Insurance or Cebuana CTPL.


CLIS, through its vast array of insurance products underwritten by the insurance industry’s major players , continuously looks for ways to provide quality  protection at affordable premiums. FPAC, one of the country’s dominant insurers known for its solid claims reputation and expertise in automation, has established the connectivity with the LTO and other agencies to successfully decentralize CTPL policy issuance. Together, FPAC and CLIS are poised to finally end the woes of motorists in obtaining CTPL policies and difficulty in claims processing through the Cebuana CTPL.         

A unique collaboration encompassing 2 industries—insurance and pawnshop— the Cebuana CTPL is a breakthrough venture that taps Cebuana Lhuillier’s strategic presence nationwide. Through Cebuana’s more than 1,500 branches,  the motoring public will certainly benefit from the easy and convenient way of obtaining CTPL policies. 

Whether it’s a month away before LTO registration is due,  or beating the clock on the very last day for LTO registration, vehicle owners can now renew their CTPL policies conveniently and without worry. They can simply drop by the nearest Cebuana Lhuillier pawnshop and bring a copy of the LTO certificate of registration (CR) together with the official receipt (OR).  CTPL insurance renewal just takes a few minutes. In fact, Cebuana Lhuillier’s network makes the entire renewal process much faster and hassle-free because there is always a Cebuana branch nearby.

And there’s more. Insurance claimants with Cebuana CTPL can now file their  claims at any Cebuana Lhuillier branch by just submitting valid and complete claims documents for quick claims processing!

The innovative web-based technology developed by Federal Phoenix,  the first of its kind in the insurance industry, makes filing claims easy and seamless.  Complementing FPAC’s state-of-the-art claims technology is Cebuana Lhuillier’s superior connectivity with its claims management system integrated in  its entire branch network. Upon receipt of the electronic copies of the claims documents by any Cebuana outlet,  Federal Phoenix is promptly notified about the claim, thus expediting the claims process.  This  electronic claims settlement eliminates the slow and costly handling of documents which  substantially improves claims turn-around time. 

Lastly, the Cebuana CTPL  fosters nation-building as the proliferation of fake CTPLs will be reduced, if not eliminated,  thus ensuring the appropriation of right premium taxes to the government.  Fake CTPLs issued by fly-by-night insurance companies has cost the government to lose millions of premium taxes to the detriment of the insuring public.