The answer to that is not anymore, but we do recommend it. A lot of drivers and operators are asking if having comprehensive insurance in their vehicle is needed when applying for either a Provisional Authority or Certificate of Public Convenience since some say that it is required. Its part of the requirements before the board of LTFRB amended it. They issued a memorandum on September 03, 2012, stating that the Comprehensive Insurance Coverage won't be part of the requirements anymore. Although it is not part of the specification, it doesn't mean you shouldn't get it anymore. Having comprehensive insurance is very useful, especially in the event of an accident. This insurance will save you a lot of money, so we do suggest that you get one for your peace of mind.