A very personal blog

My 2022 LTO Renewal of Registration Experience

Heya! Sharing my experience renewing our vehicle registration at LTO Pasig. It’s our first time to do this on our own cos for the past couple of years we just ask our car dealer to deal with this haha. Ultimately I think I don’t mind doing this again moving forward cos it’s very easy naman pala as long as you have prepared all the requirements before heading to LTO.

For context…

I’m renewing a private vehicle, a 2016 Toyota Vios to be exact, and my dad is the registered owner. I did the renewal at LTO Pasig (inside Ynares Compound, beside Capitol Commons) on a Friday at 3pm. We finished at 5pm. My car is due for registration first week of January, and due to alert level restrictions, the deadline was extended to February. If you want to know when your schedule is, click here.

In thist post I’ll talk about…

✔️ Requirements and where I got them
✔️ Total cost and breakdown
✔️ Tips cos I have some haha

Requirements and where I got them

If you go to LTMS Portal here (https://portal.lto.gov.ph/) and navigate to E-Learning > Motor Vehicle Registration, you’ll find the list of requirements for private vehicle renewal of registration.

1. Photocopy of OR and CR
2. CTPL Insurance Certificate of Cover
3. MVIR (Motor Vehicle Inspection Report) or CEC (Certificate of Emission Compliance)

4. Registered owner’s TIN

First off, you must have registered at LTMS Portal because they will ask for the LTO Client ID. The ORs issued nowadays are generated from a new system which requires you to register to the portal. Instead of getting the usual blue OR, you’ll get a printed copy instead (black and white on bond paper). 

I’m renewing a car that’s registered to my dad so I asked for his LTO Client ID. 

1. Photocopy of OR and CR
This one’s easy hehe. Just get a copy of your latest OR and CR. OR’s are issued yearly after your car’s 3rd year because the first 3 years are already covered. Funny though, and I learned this just now, I keep hearing that the first three years of registration is FREE, but turns out you already paid 3x the MVUC upon initial registration with LTO. Check your first OR hehe. So it’s not really free, you already paid for it in advance and you probably didn’t notice! I know I didn’t! Hahaha

So in my case, had my car on 2016 so my 2016, 2017, and 2018 are already covered. I started renewing on 2019.

CRs on the other hand, there’s only one copy of this, you don’t renew this, and if you’re bank financed, the original isn’t with you yet. So just photocopy your photocopy hehe.

2. CTPL Insurance Certificate of Cover

It’s very easy to get CTPL now that you can do it online. Note that CTPL is different from your  comprehensive insurance cover. The C stands for Compulsary so it’s required haha.

What are your options?

✔️ If you have GCash, navigate to GInsure and you get a lot of options. 

✔️ A Google search will also do you well
✔️ Within the LTO compound there’s also usually an insurance office where you can get yours, in case you don’t want the trouble of doing everything online

I don’t recommend it though because it could be more expensive. Plus you may run into fixers who would offer “assistance” and probably tell you you’re not allowed inside cos you’re wearing shorts or slippers or whatever. Just be careful. I remember in 2020 our CTPL costed around ₱1,000 which I thought was normal, but now upon checking, CTPL for private vehicles only ranges from ₱500 to ₱600! We’ve been robbed!


✔️ I got my CTPL from MAPFRE Insurance (https://www.mapfre.com.ph) because it’s on the first page when I did a Google search for “instant CTPL online philippines” and it didn’t require me to register for an account. I did everything online and paid only ₱560.

Their website is pretty slow once you submit the form so just be patient and wait it out. I even ran into an error after payment which was a bummer because I wanted to come to LTO the next day and I don’t know when they’ll get back to me about this.

I immediately sent an email to teleservice@mapfreinsurance.com.ph requesting for a refund if they can’t generate my policy in time. I also messaged them on Facebook and dropped an inquiry through the Contact Form on their website.

Thankfully, they replied immediately in the morning and I was able to get my policy before lunch. They sent a 12-page PDF attachment containing the policy, its details, and the actual COC. In triplicates lol.

You don’t have to submit the whole doc. Just look for the page with the Original Confirmation of Cover and print that one.

I wonder what “ORIGINAL” meant with that double quotes hahaha.

Another thing, if your car has comprehensive insurance, make sure you don’t already have CTPL cos sometimes it’s already included in the policy and you just didn’t notice. Or if you’re just planning to get one, remind the agent to exclude CTPL (if it’s not already) so you don’t pay double, or have them adjust the CTPL period of insurance to match your vehicle registration. Personally I’d rather get CTPL separately.

3.  MVIR (Motor Vehicle Inspection Report) or CEC (Certificate of Emission Compliance)

Which one should you get?

Around two years ago LTO added a renewal requirement which says all vehicles must pass a multi-point inspection and submit a copy of the passed MVIR upon renewal of registration. They released a list of accredited PMVICs (Private Motor Vehicle Inspection Centers) and each center caters only to specific LTO offices based on its GAOR (Geographic Area of Responsibility) so it’s like if you got inspected at a center in Mandaluyong, you can’t submit your results to LTO Novaliches (just in case you wanna register there) because they’re not in the same area. Something like that.

I remember it was very complicated for us once because we used to let Toyota BGC or Chino Roces handle our registration, but then they required us to get inspected at a PMVIC in Taguig because they process renewals at LTO Makati. So we did that, only to fail the inspection cos our tires were all expired lol, then when we got to fix our tires we had to go back to the same center for retest and hand the results to Toyota for processing. It was such a hassle going back and forth to Taguig argh.


Somehow during the pandemic the MVIR requirement got lifted and they said CEC should suffice at the time. Since then I wasn’t sure what was required. When we went to LTO to clarify this requirement, we confirmed that only CEC is required…. so yey? 

We were headed to the nearest emission center when some guy at LTO told us the nearest one is already full and you won’t make it today so he referred us to AutoTEC along Shaw Blvd saying there’s not a lot of people there. I was skeptic at first, but I knew AutoTEC cos it’s one of the PMVICs I was checking out when I was looking at the requirements and planning this day haha.

We drove to the place which is just 2km away from LTO Pasig and true enough it’s not busy. We were the only customers at that time. That’s around 2:30pm. It’s not just an emission testing center but a PMVIC. But the multi-point inspection already covers emission testing so LTO accepts this. We paid ₱500 and we were out in 30mins! Yey!

Pretty happy with the service. This center is obviously new. It’s spacious and they have an airconditioned customer’s lounge. I recommend AutoTEC if you’re nearby!

AutoTEC Shaw – Automotive Testing Center, Inc. is located at 
No. 564 Shaw Blvd., Brgy. Highway Hills 1550 Mandaluyong, Philippines

They’re beside Governor’s Palace, there’s like a small street there that leads to AutoTEC. There’s a big sign with an arrow, you can’t miss it. Or just Waze them, we did!

Find them on Facebook: https://www.facebook.com/AutotecShawPH

4. Registered owner’s TIN

I just asked my dad, but no one really asked for it in LTO. As you will see in the OR, they just left the TIN field blank.

Pass your papers!!!

After gathering the requirements we drove back to LTO and waited two hours to get processed. Here’s everything I submitted, just 4 pages…

There was a long line that afternoon, maybe because it’s Friday, and also because they extended the deadline of January renewals to February, so we’re kinda expecting this.

Total cost and breakdown

After two hours of waiting I paid ₱1,710 and went out with my 2022 OR.

Let’s break it down…

✔️ CTPL – ₱560.00
✔️ MVIR – ₱500.00
✔️ On Official Receipt – ₱1,710.00

        • MVUC – ₱1,600.00
        • Change Venue Fee – ₱100.00 
        • Legal Research Fee – ₱10.00

✔️ TOTAL – ₱2,770.00

That’s it! You only get a printed copy of your OR and nothing else. No sticker and RFID.

Tips cos I have some haha

Okay! If I’m doing this again I need some tips! So here’s what I gathered…

• You can actually renew 1 month in advance which I think works for me because December is pretty lean for government offices… I guess??!

• Start with CTPL because it’s the easiest to acquire

• I think it’s best to get checked at PMVICs just to be sure because it already has emission testing and you don’t know what LTO will require one day haha.
• Have a copy of everything you submitted. There’s usually a photocopier within LTO.

• Bring water and snacks cos you don’t know how long you’ll wait. 

• Bring cash cos you don’t know if they accept card or GCash hehe

• No to fixers. You can do this. It’s so easy.
• Wear smart casual? Don’t wear shorts or slippers just in case someone tells you you’re not allowed inside and you don’t wanna argue haha. 
• Come early in the morning if you don’t want to wait long
• You don’t have to personally do it. You can ask someone else to do it, just get all the requirements ready. My car is registered under my dad’s name and I pretty much did this for him. Does that make me a fixer? I didn’t do anything illegal though. Fixers don’t just assist you, they fast track your application in suspicious ways. So beware.
• Make sure to double check your requirements and ask if it’s complete. I saw some people in line at the payment who were asked to come back with their CTPL and CEC and it’s weird because no one told them early on. I mean they should know for sure, but it’s weird cos the staff who collected our papers were sifting through each page before giving us some sort of transaction slip so I thought he was checking. Apparently not. 

Guess that’s it! Hope this helps!

Got any questions? Comment section is open, feel free!