Black Car Insurance
What is a Black Car Vehicle?
In New York City, Black Cars are a segment of the For-Hire Vehicle (FHV) class. Black Cars provide pre-arranged passenger transportation using licensed bases for dispatch. Black Cars are unique in that more than 90% of passenger payments must come in non-cash form. Most app based companies like Uber, Lyft and Gett are licensed as Black Car Bases and drivers affiliate with these bases to provide on-demand rides. This makes sense as passengers usually pay drivers using a credit card stored on the app or through a voucher.
Black Car vehicle owners are issued a For-Hire Vehicle license after affiliating with a Black Car Base and passing inspection at a TLC facility. Currently Black Car vehicles must be no more than 7 model years old in order to affiliate with a Black Car Base. It’s always a good idea to check with the base or app you are affiliating with to see if your vehicle qualifies.
Black Car Vehicle Insurance Requirements
Vehicle owners are required to purchase insurance coverage with minimum limits as specified by the Taxi & Limousine Commission (TLC). If you are looking to purchase a commercial insurance policy as mandated by the TLC, there is nothing easier than using the INSHUR app.
Simply download the app, scan your TLC license and you are presented with top Black Car insurance quotes instantly. You can purchase the policy in seconds using a credit or debit card and the app securely stores all your important documents.
Shopping for a Black Car policy the old fashioned way can be painful – you need to find a broker and hope that they present you with quotes from top carriers. Not to mention the time it takes to get all the required documents and find parking! The INSHUR app makes it easy to buy a Black Car policy, save and get on the road making money as a black car driver quickly. We have flexible payment options and no fees! Still have questions? No problem. Our licensed staff is always here to help – you can call, email or stop by one of our locations.