THE Philippine Insurers and Reinsurers Association (PIRA), representing the non-life insurance sector, supports the Department of Transportation (DOTr) digitization initiatives to curb fraud, improve data integrity, and streamline public services.
However, PIRA raises operational concerns on the resumption of DBP-DCI Insurance Certificate Validation under Land Transportation Office (LTO) Memorandum No. MVL-2026-0004, which requires Certificates of Cover for Compulsory Third Party Liability (CoC-CTPL) insurance to be accompanied by a DBP-DCI-issued Certificate of Validation.
Based on the earlier implementation of this requirement, PIRA noted disruptions affecting motorists and frontline implementers, including vehicle owners being unable to complete vehicle registration because the LTO Land Transportation Management System (LTMS) required the upload of a DBP-DCI “Certification Valid for Motor Vehicle Information” and the absence of a disseminated process flow for issuing the required certification to insurance companies and other entities involved in vehicle registration.
PIRA observed that the requirement introduces a parallel validation platform alongside existing authentication already performed through the LTO-LTMS and the Insurance Commission’s IT systems, adding cost and uncertainty for vehicle owners without clear incremental gains in safety or compliance.
In letters dated Jan. 9, 2026 to LTO Assistant Secretary Markus Lacanilao and Jan. 14, 2026 to DOTr Acting Secretary Giovanni Lopez, PIRA requested a DOTr-led policy and technical review of LTO digitization measures affecting insurance validation among other concerns.
PIRA reiterates its readiness to work with DOTr, LTO, the Insurance Commission and DBP-DCI to strengthen data integrity and anti-fraud controls while ensuring that digital reforms remain workable on the ground and accessible to the public.
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