How to Add or Remove a Vehicle from Your TLC Insurance Policy in NYC
If you’re a TLC-licensed driver in New York City, keeping your insurance policy up to date is not just smart — it’s a legal requirement. Whether you’re replacing your old TLC car, switching plates, or temporarily removing a vehicle from service, you must follow the proper steps with your insurance provider and the TLC (Taxi and Limousine Commission).
In this blog, we’ll guide you through everything you need to know to add or remove a vehicle from your TLC policy, including key info from the TLC’s official guidelines.
Why You Need to Update Your TLC Policy
Your TLC license is tied to a specific vehicle and plate number. Any change — like buying a new car, retiring an old one, or changing your TLC plates — must be reflected in your insurance documents and registered with the TLC. Failing to do so can result in:
Fines or license suspension
Delays in plate issuance or renewals
System mismatches that flag your car as uninsured
That’s why it’s essential to file the correct documents with both your insurance broker and the TLC.
Common Scenarios Requiring Policy Updates
You may need to add or remove a vehicle from your TLC policy in these cases:
You bought or leased a new TLC-ready vehicle
You’re replacing a damaged or totaled vehicle
You’re changing your TLC plates
You’re retiring a vehicle from for-hire use
You’re temporarily removing a vehicle from service (e.g., storage)
Each situation requires proper steps to remain compliant with TLC rules.
🔄 How to Add a Vehicle to Your TLC Policy
Step 1: Contact Your Broker
Start by informing your TLC insurance broker (such as Mega Insurance Brokerage) that you’re adding a new vehicle. You’ll need to provide:
Vehicle Identification Number (VIN)
Year, make, model of the vehicle
TLC plate number (if issued)
NYS registration and title
TLC Vehicle License (if already assigned)
Step 2: Submit the FH-1 Insurance Form
Your broker will issue and submit the FH-1 form, which shows proof of TLC-approved insurance coverage for the new vehicle.
Step 3: TLC System Update
Once the FH-1 is submitted, TLC’s system updates your vehicle status within 24–72 hours. Do not operate the vehicle until it’s approved and active in the system.
Step 4: Inspection (If Needed)
If your vehicle has more than 500 miles, it will require an inspection at the TLC Woodside facility. TLC charges a \$75 inspection fee, and you’ll need to bring the car in once the transfer is processed.
🔁 How to Remove a Vehicle from Your TLC Policy
Step 1: Notify Your Broker
Let your broker know that you’re removing a vehicle from your policy. Provide:
The vehicle’s VIN
TLC plate number
Date of removal
Step 2: Submit Cancellation
Your broker will file an FH-1 cancellation or endorsement form, officially removing the vehicle from your active TLC coverage.
Step 3: Return TLC Plates (If Retiring Vehicle)
If the vehicle is permanently removed from service, you’ll need to surrender the TLC plates to the DMV and submit the FS-6T form. In the case of lost or stolen plates, a police report and DMV documentation are also required.
📄 Vehicle & Plate Transfers: What TLC Requires
If you’re replacing your vehicle or your TLC plates, you may also need to complete a Vehicle or Plate Transfer through the TLC.
Types of Transfers:
Vehicle Transfer: You’re switching the car but keeping the same TLC plates.
Plate Transfer: You’re keeping the vehicle but replacing the plates (due to loss, damage, or plate storage).
Vehicle & Plate Transfer: You’re changing both the car and plates.
What You’ll Need:
Government-issued photo ID
Signed TLC Transfer Application [Download here].pdf
Updated registration
Current FH-1 and insurance declaration
Inspection fee (if vehicle has over 500 miles)
\$25 application fee for transfer
FS-6T or police report (if plates are lost or stolen)
TLC recommends submitting your application via their online portal: [TLC Up](https://www.nyc.gov/site/tlc/tlc-online/tlc-up.page). If that doesn’t work, you can email your application and documents to FHVTransfers@tlc.nyc.gov.
⏱️ Timeline and Processing
Base Transfers: Approved by TLC within a few business days
Vehicle/Plate Transfers: Typically processed in 1–3 business days if all documents are correct
Insurance FH-1 Filing: Submitted electronically by your broker; reflected in TLC system within 72 hours
⚠️ Important: You must pay all fees within 24 hours of receiving the TLC payment link or your application may be canceled.
✅ Let Mega Insurance Brokerage Handle It for You
At Mega Insurance Brokerage, we help TLC drivers across NYC make policy changes quickly, correctly, and with zero stress. Whether you’re switching vehicles, adding a new one to your fleet, or taking one off the road, we’ll take care of:
Insurance updates & FH-1 submission
Plate or vehicle change coordination
Required document preparation
Inspection guidance
Follow-up with TLC if needed
📍 Visit us:
32–47 57th St, Woodside, NY 11377
📞 Call: +1 212–721–0001
Don’t risk fines or delays. Contact Mega Insurance Brokerage today and get the right help with your TLC vehicle policy update.
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