Hawaii Joint Underwriting Plan (HJUP)

The Hawaii Joint Underwriting Plan (HJUP) insures drivers who are unable to secure insurance from a licensed company or have multiple accidents or traffic convictions. The HJUP is a risk-pooling arrangement in which all Hawaii motor vehicle insurers must participate. Coverage options meet state requirements and are the same offered to other drivers, but may cost more than the standard market. Consumers may apply through any agent of an insurance company licensed to sell motor vehicle insurance in the state.

Agents or producers looking to provide HJUP coverage for consumers may contact one of the three below authorized servicing carriers. These carriers may require specific information or have an agent/agency application needed to issue a HJUP policy with that insurer.

First Insurance Company of Hawaii (FICOH)

The following information would need to be provided to be set up in the FICOH system:

  • Name of Agency
  • Phone Number
  • Fax Number
  • Address
  • W-9
  • Producer Name
  • Copy of Producer License

Island Insurance

Upon the completion of the personal or commercial HJUP application by the producer, the producer shall email the application and a copy of the premium payment or deposit remittance to [email protected].  The premium payment or deposit remittance may be in the form of an insured’s personal check, an agency check, a cashier’s check or a money order payable to Island Insurance Co., Ltd.   The producer shall promptly mail the premium payment or deposit remittance to Island Insurance Co., Ltd., P.O. Box 1520, Honolulu, HI 96806-1520.

State Farm

To issue a policy, the following information from the producer is needed:

  • Name and Address
  • Office Phone Number
  • Social Security/Tax ID
  • Agency License Number

Applicants may use this email address:  [email protected].