Which of the following is NOT a component of the Comprehensive Coverage Components for Motor Insurance Policy?

• A. Own damage and theft
• B. CTPL
• C. Unnamed Passenger Personal Accident
• D. BPI MS Express Roadside Assistance

Answer: (B)

Comprehensive motor insurance is designed to cover damage to your own car and related protections within one policy. The own damage and theft component covers damage to your vehicle from accidents or theft. Unnamed Passenger Personal Accident is typically included to protect occupants, and services like BPI MS Express Roadside Assistance are often bundled as add-ons. CTPL, or Compulsory Third-Party Liability, is the mandatory coverage required by law that pays for injuries or death to others caused by your vehicle. It’s a liability policy that sits outside the comprehensive package, serving a different purpose than protecting your own car. So CTPL is not a component of the Comprehensive Coverage Components for a Motor Insurance Policy.