TLC Up, the Agency’s self-service interface, allows vehicle owners (and taxicab agents) to check a vehicle’s insurance information on file with the TLC. TLC Up can be accessed at any time without the need to contact the TLC.
If this is your first time using TLC Up, please follow these steps to validate your email address before checking in:
- Click “Sign In” after entering your TLC Application number or TLC Vehicle License number (found on the blue TLC decal/sticker mounted to the vehicle window), mailing zip code, and last five (5) digits of your EIN or SSN.
- You’ll be asked to confirm or type your email address, after which you’ll be encouraged to click “Submit.”
- The TLC will send you an email with the subject line “TLC UP Email Address Verification” to verify your email address.
- To validate your email address, open the email and click the blue highlighted hyperlink.
- You’ll find a section named “Licensee Snapshot” once you’ve logged into TLC Up. Click “Show More +” in the top right corner of the Licensee Snapshot section to expand the section.
- The expanded part will display current TLC License status information, such as insurance coverage dates and policy details, TLC License status and expiration date, and the date of the last passed TLC inspection.
Returning customers who have already validated their email address can log into TLC Up and access a vehicle’s insurance details by following these steps:
- Log in to TLC Up with your a) VIN (found 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.”
- You’ll find a section named “Licensee Snapshot” once you’ve logged into TLC Up. Click “Show More +” in the top right corner of the Licensee Snapshot section to expand the section.
How much is TLC insurance in NYC?
FHV insurance can be purchased over the phone, through a broker, online, or through the INSHUR mobile app. Remember that ordinary driver insurance will not cover FHV driving, so make sure you get the proper coverage.
Guide to FHV insurance in New York.
Those considering a career as a driver in New York want to know how much it costs to get on the road. Some expenses are self-evident: a proper vehicle, fuel, a valid driver’s license, and vehicle maintenance. One expense, though, is less clear at least until now. This is FHV insurance, which is a legal obligation.
Buying insurance.
Finding FHV insurance used to take hours on the phone or in a broker’s office until early 2018. Forms had to be filled out, documents had to be shown, and underwriters had to be contacted. You didn’t know how much it would cost until the quote arrived. With this clumsy, paper-based process, a driver eager to get out and earn money may have to wait additional hours, days, or weeks. Things have, thankfully, changed. There’s also INSHUR.
INSHUR a fast and affordable way to buy FHV insurance.
INSHUR has provided New York drivers with a 21st-century alternative to the outdated way of purchasing FHV insurance since 2018. INSHUR works straight on your phone, so you don’t have to waste time on the phone or in an office. You don’t say anything to anyone. You provide all of your information and receive a quote in a matter of minutes. If you like the deal, your policy will arrive in a few minutes. It’s a quick fix for a problem that’s out of date.
Types of FHV insurance.
FHV insurance is required regardless of how you get it. Your standard auto insurance will not suffice. Rideshare insurance is offered by companies like Uber and Lyft to their drivers. It’s low-cost, but it’s also low-coverage. When you’re not carrying a fare, you’re not insured. You’re not covered if you have their app but aren’t taking fares. You are not covered if your app is turned off. This implies you’ll need normal insurance as well. The alternative option is full FHV insurance, which is provided by INSHUR and provides coverage 24 hours a day, seven days a week.
The cost.
The pricing is influenced by a number of factors. Driver history is the main one. The more you pay, the worse your credit history is. The age of the driver, the number of years he or she has been driving cabs, and the annual mileage are all taken into account. The Taxi and Limousine Commission (TLC) in New York requires a certain degree of basic coverage. This amounts to $100,000 per person and $300,000 per incidence, plus $200,000 in personal injury insurance (PIP). This insurance solely provides third-party coverage for vehicles. Your automobile isn’t protected. To cover damage to your own vehicle, you’ll need additional coverage (fully comprehensive).
TLC minimal coverage costs roughly $3,000 $4,500 per year for a typical driver over 25 years old with three years of cab experience and a clean driving record. For new and young drivers, as well as those with a patchy driving record, this number can reach $10,000. This expense is frequently paid on a monthly basis rather than all at once.
Why not give INSHUR a try if you’re just getting started or your insurance is about to expire? While you wait, get a quote and learn in minutes what could take hours, days, or weeks elsewhere.
How much does a NYC TLC license cost?
The cost of the exam is $49. At a TLC-approved site, take a drug test. You must bring your driver’s license, a $32 payment, and your TLC application receipt with your application number.
What is TLC insurance certificate?
New York City requires private transportation drivers to carry TLC insurance, unlike many other cities that do not require drivers to have special insurance to drive for rideshare firms. To earn money using a vehicle in this city, you must have TLC insurance, whether you’re operating a limo, taxi, or driving for Uber, Lyft, or Via.
What is the TLC?
The New York City Taxi & Limousine Commission is abbreviated as TLC. Many drivers will use the abbreviation “NY TLC” to refer to their insurance coverage.
The New York City Taxi & Limousine Commission, established in 1971, supervises and licenses all taxis operating in the New York City area. Vehicles and drivers must have a TLC license to transport fare-paying people inside city limits. This is a legal obligation, but it’s also a good thing because it informs passengers that they’re riding with a licensed driver and can expect a pleasant ride.
Do I need TLC insurance?
TLC insurance is a must-have. Without it, it is illegal to operate a taxi or For Hire Vehicle (FHV) in New York City. Because regular personal automobile insurance does not cover incidents when a vehicle is used commercially, the TLC requires all certified drivers to have a minimum amount of liability insurance.
It’s worth noting that the minimum TLC Insurance only covers other people and their property, not your own vehicle. If you don’t have additional collision insurance to cover your own vehicle, you’ll have to pay for repairs yourself. This could cause your car to be taken off the road for an extended period of time, reducing your profits.
Furthermore, failing to maintain minimal liability coverage puts your car’s TLC registration at risk of being cancelled for a month. This can be costly.
What does TLC Insurance cover?
These are known as ‘third party protection’ policies because they cover you financially if you hurt another person or their property (the ‘third party’).
PD is responsible for any injuries or property damage caused by the insured motorist (such as the other guy’s car).
PIP pays for any medical bills, lost wages, and rehabilitation expenditures incurred as a result of an accident. PIP is a ‘no-fault’ plan, which means that the insured driver is always covered, regardless of who is at blame.
If you’re in a car accident with an at-fault driver who doesn’t have liability insurance, UM will cover you.
What is the minimum TLC insurance coverage I need?
The following minimum insurance coverage is required for a TLC vehicle with 1 to 8 seats:
Liability coverage of $100,000 per person, $300,000 per accident, $200,000 personal injury protection, and $10,000 in property damage is required for most classes of cars. Collision coverage can also be combined with liability coverage to make a “full coverage” plan. It’s worth noting that collision coverage is optional, whereas liability coverage is required.
Should I get full coverage TLC insurance?
That depends on how much you’re willing to pay and how much you’re willing to risk. Keep in mind that if you don’t have this coverage, you’ll be responsible for any damages to your own vehicle.
Where do you need TLC insurance?
TLC insurance is required if you want to pick up FHV passengers within the city limits of New York. TLC Insurance is needed insurance for Uber and Lyft drivers, whose normal insurance coverage is not applicable in NYC, regardless of whether you’re driving for a typical FHV firm or a rideshare service.
What does TLC Insurance cost?
There are no “one-size-fits-all” solutions available. The following factors go towards determining a driver’s TLC insurance premiums:
In general, the younger you are or the more serious your criminal history, the higher the fee. Keeping your driver’s license clean and driving safely is consequently crucial it pays off. (In most circumstances, installing a dashcam will reduce your insurance price by roughly 9.5 percent.)
See the graphic for a typical premium on a 2015 Toyota Camry as an example of NYC pricing. This vehicle is being driven by a driver who has had no accidents or points in numerous years of driving. TLC driving experience is also possessed by the driver. (Drivers under the age of 25 usually face a 20 percent increase in the cost of PD.)
How to get a quote for TLC Insurance
The first is the traditional method. This entails going to a broker’s office in person, calling them, or visiting their website. They will request a plethora of personal and vehicle information from you.
After that, you’ll have to wait for them to calculate a quote and email (or mail) it to you. It’s a time-consuming process that can take a few days or even weeks.
It’s completely digital, so you can do everything from your phone. There’s no need to pay someone a visit or make any phone calls. It’s a more efficient process that involves less information from you, and you usually have your policy, not just a quote, in minutes.
It is entirely up to you to decide which path to take. The first way is for you if you enjoy conversing on the phone or sitting across a desk. The INSHUR app is the way to go if you prefer to get things done quickly and go on with your day.
What if I’m a new driver?
If you’re new to the FHV industry and plan to do business in New York, you’ll need to get your TLC license and vehicle plate first before applying for insurance. TLC has minimum eligibility requirements for drivers – see the FAQ guide below for more information. You may also learn more about how to get a TLC driver’s license by reading our step-by-step guide: How to Get a TLC Driver’s License.
What car do I need to be a TLC driver?
If you want to get your coverage the old fashioned way, by contacting a broker, calling, or filling out an internet application, check the section above titled ‘What information is required to obtain a TLC insurance quote?’ To get the procedure started, you’ll need everything.
If you want to acquire your coverage quickly and easily with the INSHUR app, simply follow these steps on your smartphone.
- The INSHUR app is available for free download. (It’s available on Google Play and the Apple App Store.)
- Open the app and fill in your basic contact/account information, such as your first name, email address, and password.
- Take a picture of the front of the TLC license as well as the barcode on the back. This allows the INSHUR app to search the TLC and DMV databases for any vehicle associated with you.
- Request a quotation and select from three different coverage choices (silver, gold, platinum.)
- Choose a policy and a start date, as well as the sort of payment plan you want to use.
- If you have one, submit it to get a reward for the person who referred you.
Is TLC plate available in NYC?
The TLC is now only awarding new for-hire vehicle permits to Wheelchair Accessible Vehicles according to current FHV licensing requirements in NYC (WAV). Please follow the instructions below if you want to plate a Wheelchair Accessible Vehicle.
Is TLC license worth?
If you want to drive for a rideshare company or a taxi service, the TLC license is well worth the money. If you do not have a driver’s license before working in the business, you will face a suspension and fines.
What are the requirements for a TLC license?
Obtain your TLC driver’s license.
- Within 15 months of your most recent infraction date, you may receive no more than 5 points on your DMV license.
How hard is the TLC exam?
There are 80 multiple-choice questions on the exam. You must receive a grade of 70% or above (you must answer 56 out of 80 questions correctly to pass). PSI Services administers the exam on a computer. During the ninety (90) day application period, you will be able to take the exam as many times as you need to pass.
PSI Services operates out of ten facilities in New York City, one in each of the five boroughs. For a complete list, go to TLC Driver Exam Testing Center Locations. TLC Driver Exam Testing Center Locations List also has a list of provider locations (OpenData).
PSI will send an email to the email address you registered with the TLC after you complete the TLC 24-Hour Driver Education Course.
Can I sell my TLC plate?
Is it possible for you to sell your TLC plate? TLC license plates are non-transferable, however they are regarded an asset to a firm, similar to medallions. Unlike medallions, which may fetch up to $1 million, the plates can be had for as little as $650.
How many TLC plates are in NYC?
Since October 2017, 10 months before the for-hire car suspension took effect in August 2018, we’ve been tracking the number of active for-hire vehicles in NYC. In August 2018, the “TLC plate cap,” as it’s known among industry insiders, was implemented with a few weeks’ grace period to allow for last-minute car applications. This pushed the TLC plate cap’s effective date closer to February 2019, when the total number of TLC-plated vehicles reached roughly 120,600. (i.e. it took 5 months to process all the vehicle applications from August 2018). The number of active for-hire vehicles is poised to fall below a symbolic level for the first time since September 2017 there will be less than 100,000 active NYC TLC-plated vehicles for the first time since September 2017.