Welcome to the home page of the New York Automobile Insurance Plan.

The New York Automobile Insurance Plan (NYAIP) is the central mechanism established pursuant to Article 53 of the New York Insurance Law to provide auto liability and physical damages coverages to those insureds who are unable to obtain such auto insurance in the voluntary market. All insurers writing automobile insurance in New York State must participate in the NYAIP by providing such insurance.

All agents and brokers holding a valid license to transact automobile insurance business in New York State must be certified by the Governing Committee in accordance with Standards and procedures approved by the Superintendent of Insurance prior to submitting applications to the Plan.

Applicants must declare and certify that they have tried and failed to obtain automobile insurance in New York State within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the plan.

For information about submitting applications online, click here.

What's new:

Please take note:

• Effective July 1, 2009,the New York Electronic Monthly TOC Reporting Instructions are revised to reflect that the insurer must report the following premiums on the TOC reporting form only when the insurer issues a disclosure notice: 1. Voluntary premium is greater than the Plan premium (currently required); and 2. Disclosure Notice Plan Premium (new requirement).” The TOC reporting instructions file contains a hyperlink to the TOC Forms file.
• The May 2009 NY AIP Newsletter is now available online.
• The revised Take-Out Credit Frequently Asked Questions (TOC FAQs) now available online are now available. As revised, the TOC FAQs include new General Audit Guidelines and an Optional Offered Coverage Form.TOC FAQs.