CTPL stands for Comprehensive Third Party Liability. This insurance is a government requirement for registration of all vehicles.
Optional coverage is Comprehensive Automobile Insurance that includes:
Damage / theft
VTPL (Voluntary Third Party Liability) Bodily Injurt,
VTPL – Property Damage,
Riot Strike & Civil Commotion,
Personal Accident,
Acts of Nature (earthquake, typhoon, flood),
Towing and labor for towing the insured’s car to a garage
Minor repairs including parts.