Vehicle Insurance

• Vehicle owners must maintain a current insurance liability policy meeting the minimum amount of liability insurance required by TLC Rules and New York State Law, for each vehicle.
  • View minimum insurance requirements.
• TLC Licensed Vehicles must maintain proof of a current liability insurance policy (insurance certificate / FH-1) on file with the TLC.
• If a vehicle insurance policy expires, terminates, is cancelled, or changes, it is the vehicle Owner’s responsibility to submit proof of a new insurance policy to the TLC, effective on the date the prior policy ended.
• An application for a new, renewal, or transfer of a TLC Vehicle License will not be approved if either the vehicle insurance is expired, or does not meet the minimum coverage requirements.

Expired or cancelled insurance may result in a TLC directive to submit proof of updated insurance coverage. Non-compliance of the directive can escalate to a summons, leading to a hearing. If found guilty, a fine may be imposed by the judge, and the TLC vehicle license suspended until compliance

Vehicle Owners (and Taxicab Agents) can view a vehicle’s insurance information on file with the TLC using TLC Up, the Agency’s self-service portal. TLC Up is available any time and does not require contacting the TLC.

If you have not used TLC Up before (first-time user), please complete these steps to verify your email address before logging in:

1. Go to the TLC Up log in page;
2. Enter your TLC Application number or TLC Vehicle License number (located on the blue TLC decal/sticker attached to the vehicle window), mailing zip code, and last five (5) digits of your EIN or SSN, then click “Sign In;”
3. You will be prompted to verify your email address by either confirming or typing your email address, then click “Submit;”
4. The TLC will send you an email to verify your email address, the subject line will be “TLC UP Email Address Verification;”
5. Open the email, and click the blue underlined hyperlink to verify your email address;
6. Return to the TLC Up log in page and you will be able to log in;
7. Once logged into TLC Up, you will see a section called “Licensee Snapshot.” Expand the section by clicking “Show More +” on the top right corner of the Licensee Snapshot section;
8. The expanded section will show current information on the status of the TLC License, including insurance coverage dates and policy information, the TLC License status and expiration date, and the date of the last passed TLC inspection.

Returning users, who have already verified the email address, follow these steps to log into TLC Up and view a vehicle’s insurance information:

1. Go to the TLC Up log in page;
2. Log into TLC Up using your a) Vehicle License Number (located on the blue TLC decal/sticker attached to the vehicle window), b) mailing zip code, and c) last five (5) digits of your EIN or SSN; then click “Sign In;”
3. Once logged into TLC Up, you will see a section called “Licensee Snapshot.” Expand the section by clicking “Show More +” on the top right corner of the Licensee Snapshot section.
4. The expanded section will show current information on the status of the TLC License, including insurance coverage dates and policy information, the TLC License status and expiration date, and the date of the last passed TLC inspection.

For more information using TLC Up, visit the TLC Upload Portal page.

• Updating TLC insurance records does not require visiting a TLC office.
• Insurance records are updated by emailing the TLC at TLCinsurance@tlc.nyc.gov with:
  • A current for-hire insurance certificate (FH-1) issued in the Owner’s name, and
  • The insurance declaration page showing the effective dates of coverage (this is not the accord).

• To obtain Insurance company contact information and DMV insurance codes, visit the New York State Department of Financial Services website.
• The insurance information listed reflects the information supplied to the TLC by the licensee. You may also contact the New York State Department of Motor Vehicles to obtain the insurance information of vehicles insured in New York State.
• To view a list of active TLC vehicle licenses and related insurance submitted to the TLC, click here to download an Excel file displaying insurance information on vehicles that are currently licensed by TLC (xls). This file is updated daily.