First of all, let’s figure out where exactly on the form insurance policy The so-called number we are interested in is located. Basically, all forms of insurance policies in the form of compulsory motor liability insurance have a green tint and approximately the same structure.

If you look directly at the document, then The insurance policy number will be indicated in the upper right part of the document. As a rule, this is a 10-digit numeric code that characterizes the code of the department that issued this document, as well as other features that are known only to employees of the insurance organization.

The insurance policy number is entered in single base Russian auto insurers. Basic information on the form is attached to this code, which can be obtained by anyone who owns the data about the number. Thus, using the policy number, one can easily determine the validity period of the form, its owner, as well as other necessary data about the car and its owner.

Is it possible to find a driver?

Of course, you can find a driver by his policy number. However, you can carry out the check in different ways, and which one to choose is up to you. Why is this opportunity open only to those citizens who have knowledge of the form number?

It's actually simple. The portal of the Russian Union of Auto Insurers has been operating since 2013. From now on the portal is the most important information resource for policy holders according to the MTPL form. This portal offers citizens access to information in the form of a library.

However, the data is not sorted alphabetically, as we are used to seeing in library card files, but by the license plate number of the policy. That is, having information about the form code, you can get comprehensive information, just like from a card in a file cabinet.

Absolutely any citizen who has the necessary information can obtain such information.

Step-by-step instruction

Today it is possible to find out the owner of the MTPL policy by number different ways. These methods are also suitable for employed persons, both for those who cannot leave the house, and for those who value personal communication with the insurer. Let's consider three options for finding the owner of the MTPL policy by number:

First of all, if you purchased an insurance document not at the office of an insurance company, but from an intermediary, and you did not find a mention of your document in the RSA database, most likely you contacted a fraudster.

Do not believe the promises of the intermediary, who says that the data in the PCA database appears a long time after the purchase of the policy. This is wrong. The database is updated daily, information about you must be entered within 24 hours from the date of purchase.

The second nuance is related to the fact that When contacting an insurance company, you must have required documents identification documents. Employees will give you information by number insurance form in case you are the owner of the document, his closest relative, or a participant in an accident in which you had to collide with the owner of the policy.

Using the insurance policy number, the company’s office should provide you with information about the citizen’s initials, its owner, the validity period of such a document, as well as other data about the car. If an insurance company employee refuses to give you a document, this means that most likely you have no reason to receive the data. In any case, you can contact the head of the organization.

If you want to purchase a car from your own hands and want to find out whether a compulsory motor liability insurance policy was once issued for the vehicle, you can do this at the company’s office, but only on the condition that you provide the completed purchase and sale agreement, as well as your passport . Only in this case will the employee give you confidential information.

Checking an MTPL policy using the RSA database by number takes less than 1 minute. The procedure takes place online.

Click the button below to open the RSA database

How to check the authenticity of OSAGO? Is your car insurance policy valid? There are several ways to do this. Let's look at each of them in more detail so that you can check your insurance in various ways, including on the RSA website. After you check your policy, you can determine which car is insured under OSAGO.

The procedure for checking an insurance policy is identical for popular insurance companies, for example:

• Rosgosstrakh
• Ingosstrakh
• Alfa insurance
• SOGAZ
• Renaissance
• Agreement
• And also for other insurance companies that have a license for compulsory motor liability insurance.

Visual check of the policy

You can check the authenticity of OSAGO by external factors. What should grab your attention? What is the difference between a real policy and a fake one? Next, we will consider the main elements of the form itself, which you need to pay attention to when visually checking the MTPL insurance policy.

• The size of the strict reporting form (SSR) according to OSAGO is 5-10 mm longer than an A4 sheet.
• The surface of the form is covered with SAR watermarks.
• Numerous inclusions of red fibers throughout the policy.
• The reverse side of the BSO contains a vertical metal strip and the digits of its number, which are embossed to the touch.

Checking your MTPL license

Don’t forget to check the relevance of your insurer’s license to issue MTPL contracts. Insurance companies with revoked license on this page. Check the insurance company whose policy you purchased to see if it is on the blacklist of insurers.

Check the OSAGO e-policy

Nowadays eOSAGO is gaining popularity. Every day a huge number of car owners buy compulsory car insurance via the Internet. But how to protect yourself from scammers? Even a digital policy issued by the official website will not protect your transaction. There is one caveat. As soon as you have purchased a real e-policy, it immediately goes into the general database. Be sure to check the authenticity of your policy official sources, namely, the SAR database! This can be done directly on our website at the bottom of the page. Just enter the policy number into the RSA database and wait for the verification to complete.

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Information

First of all, about why it is necessary at all check your MTPL policy. The fact is that fake MTPL policies do not provide for any payments. Thus, in the event of an accident, you will have to compensate for the damage yourself. At the same time, fake policies also include stolen or lost original forms.

You cannot buy:

• Blank (unfilled) policy form
• If the receipt or policy form indicates an amount other than actual payment
• Not all signs of authenticity are met
• And also, under no circumstances, do not make any changes to the MTPL policy yourself.

Visual authentication

• The height of the OSAGO policy form is slightly longer than a standard A4 sheet (about 10 mm.)
• Front side contains a special bluish-green micromesh over the entire area of ​​the form
• Must contain clearly visible watermarks with the RSA logo
• On the back (right) there should be a protective metal strip 2 mm wide.
• The form contains inclusions of red fluff
• The paint should not be smeared and will not remain on your hands after touching.
• The policy number contains 10 characters, is located in the upper right corner and will be slightly convex to the touch.
• From May 1, 2015, only forms with the EEE series can be issued

Verification of the insurer's credentials

Insurance company in mandatory must have the appropriate license. The insurance policy will be invalid if such license is no longer valid, for example, revoked or suspended.

If the policy is sold by an insurance intermediary (agent), then it is necessary to check that he has a valid power of attorney from the insurance company. Check the data in the power of attorney: the name of the company, the passport details of the insurance intermediary, the validity period of such a power of attorney, what contracts the bearer can enter into.

Checking the MTPL policy by number in RSA

The RSA database is open and publicly available. In addition, in case of loss of policy forms, each insurance company notifies the Russian Union of Auto Insurers about this.

Using our service, you can check your MTPL policy online using the official RSA database. To do this, you only need to enter the 10-digit number of the form being checked (you do not need to enter the series, just the number). After checking, you will immediately receive the following data: the series and type of policy, which insurance company it belongs to, and also, which is extremely important, the status of its license.

Data source: RSA (Russian Union of Auto Insurers).

If your policy is not in the database or, according to RCA data, is assigned to another insurance company, then you cannot purchase such a policy, this is an obvious fraud.

OSAGO: let’s not let ourselves be deceived

Fake MTPL policies

In light of rising tariffs, counterfeit MTPL remains a pressing problem. Therefore, be careful when purchasing these policies.

If you find a fake policy, contact the police immediately. At the same time, you will still have to buy a legal policy.

There are also criminal penalties if you know what you are buying fake form OSAGO (including empty) - Article 327 of the Criminal Code of the Russian Federation.

Check your current MTPL insurance policy by its number

When copying a number, use the “paste” command of the context menu, and also enter a test picture.

In case you want to check electronic policy OSAGO, then choose the XXX series, they only have this series.

Received data: validity period of the MTPL contract, insurance company and policy status.

Since its inception electronic MTPL The question of checking a car when purchasing using RCA data has become relevant. This way you can find out the history of registered accidents and the legality of your current car insurance policy. Let's look at how a car is checked using its VIN, license plate number and other documents.

What is RSA

The Russian Union of Auto Insurers, popularly known as RSA, is a non-profit office consisting of professional insurers on compulsory motor liability insurance issues.

Today RSA - largest organization in the field of car insurance in Russia

There is a RSA database that operates 24 hours a day. The purpose of its existence is to check the policies of car owners and collect insurance histories.

SAR databases

Let's consider why and how the check is carried out.

Purpose of vehicle inspection

The procedure that will be discussed now is of great importance in the life of any car owner. Checking documents can be useful both in everyday life and in the event of an accident, when all participants decide to contact their Insurance companies.

The OSAGO check is carried out using a unique VIN number, which each owner of the contract has. This way, you can get all the necessary information about the contract you are interested in.

Accordingly, the missing VIN-codes in the database will point you to scammers who like to churn out “leftist” policies. Of course, it is better not to mess with such people.

To learn about checking a car for credit, we recommend reading .

What data can be obtained on a car?

So, when referring to information resource, you will be required to correctly fill out the form at this address.

Screenshot of the desired page at the time of publication

After this, the system will give you the following data:

• brief certificate about the owner of compulsory motor liability insurance, as well as about persons injured in an accident involving a person;
• information about the availability of a compulsory insurance contract;
• statistics of insured events specified in the contract;
• primary information about the insurance policy, namely: about the insurance company, current status and ownership of the car owner;
• detailed accident statistics with the participation of the desired citizen - dates of accidents, description of consequences and damage caused to the vehicle;
• statistics of insurance payments for the client;
• information about the KBM (if available).

Checking a vehicle by VIN

Anyone can get their car checked on the database, and you don’t need to leave your home.

The only thing you need is your insurance policy number, car license plate number or VIN code.

So, verification algorithm as follows:

1. go to the website www.autoins.ru;
2. select the appropriate option;
3. fill out the electronic form (VIN, state sign of your vehicle, body and chassis numbers, as well as the date on which the request is focused).

After this, the system will give you all the necessary data. If the car owner has questions, the website is available 24/7 Experienced consultants are on duty. Therefore, you don’t have to worry, any of your questions will be resolved by experienced insurers.

Determining the OSAGO contract number

Often in stressful accidents, car owners are faced with a situation where none of the participants has any information about the insurance of their vehicle. The above-mentioned service was developed especially for such cases.

All you need is having your own numberVIN or car numbers. This way you will know for sure whether the driver is included in the insurance.

This way we can determine:

• OSAGO number according to the state registration of the car;
• the insurance company that insures your vehicle;
• actually, availability of insurance for the selected car.

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KBM data verification

The bonus-malus coefficient or BMR is a kind of discount for break-even insurance. Typically, KBM is taken into account for one year. You can check the KBM on the website mentioned just above.

As usual, you will need to fill out the following form:

• number of drivers, for which the check is performed;
• date of inspection;
• FULL NAME;
• Date of Birth;
• used series.

After that, click “Show KBM” - the requested information will appear on the page under the form you filled out.

Typical verification problems

Let's look at cases where the verification process is not so smooth.

Nothing is displayed: reasons

It happens that when carrying out the procedure described in the article, users are faced with the absence of their “record” in the RCA database. In other words, there is no match with the data in the system, which were entered by the car owner.

It happens that insurance employees deliberately enter erroneous data into the database so that online compulsory motor liability insurance registration is disrupted.

Often the reasons for this system behavior are:

• incorrectly filling out a form on the website;
• incorrect data entry in the search window;
• the difference between real information and that which is entered into the database;
• operator error, who entered information into the database.

What to do in such cases

If you have just recently renewed your contract with your insurance company, there is a possibility that your data in the database has not yet been updated.

Typically, information is updated within three days.

In other cases it is necessary:

• carefully check and re-fill out the PCA form;
• contact your insurance company as soon as possible to correct incorrect data.

Checking the diagnostic card

In some cases, car owners need to check diagnostic card technical inspection.

This is done as follows:

1. Open a website with the EAISTO database - for example, this one;
2. Fill out the form on the page;
3. To search for a car, just fill out any one field;
4. If your data is not found, try filling in any other fields.

Fake MTPL policies

Let's look at the signs of invalid insurance policies for which people pay real money.

How to recognize counterfeit

Fake OSAGO policies are quite common these days.

If you are the unlucky owner of such a linden tree, be prepared for the fact that in the event of an accident, you will have to resolve the issue “on your own.”

How to recognize counterfeit? First of all, let's clarify what does a high-quality fake look like?:

1. changed policy (for example, the date on the document has been changed);
2. double policy - that is, this is one single contract, supposedly concluded for two people;
3. expired policy, resold;
4. a policy from an insurance company that has long disappeared from the RSA radar.

Visual check of the policy

When visually inspecting the document, pay attention to the following points:

• a standard document form is slightly longer than an A4 sheet by about 10 mm;
• the front side of the form is “decorated” with a greenish micromesh;
• mandatory presence of watermarks when the paper is translucent;
• interspersed red fibers;
• the paint should not crack and remain on your hands;

IMPORTANT In the upper right corner the form number is printed(ten-digit) - it should be slightly convex.

Like any document, the policy has its own degrees of protection. If this is not an electronic version of OSAGO, printed on a regular A4 sheet

Verification of the insurer's credentials

Before concluding a contract, be sure to pay attention to the following points:

1. Insurance Company must have the right and license for sale OSAGO. If the license is revoked or has generally expired, the contract cannot be concluded!
2. The insurer must have a power of attorney to sell policies to the insurance company with which he works.

The power of attorney must contain the following information: company name, validity period, passport details, list of contracts to be concluded.

In conclusion, we note that obtaining compulsory motor liability insurance is prerequisite for car owners. In the event of an accident, this document can instantly cover all expenses and save you from unnecessary headaches.

The easiest way to avoid counterfeit goods is to take out insurance from trusted organizations

Therefore, be careful when purchasing and issuing a policy. remember, that It is best to contact reputable insurance companies companies that fulfill their obligations.

The authenticity of the MTPL policy is the key to a motorist’s hassle-free receipt of insurance protection from the company he has chosen. However, recently cases of counterfeiting or issuing policies on behalf of insurers whose license to provide this type of service were previously revoked have become more frequent. In order to provide insurance guarantees and increase the confidence of policyholders, the Russian Union of Auto Insurers has created a special database that allows you to check the policy and verify the authenticity of this document.

This can be done online at any convenient time. Moreover, a motorist can check not only his OSAGO, but also the policy of another participant in an accident or any other person to ensure the authenticity and validity insurance document. It is also very useful to check the authenticity of the policy after purchase.

RSA has made every effort to provide motorists with quick and convenient access to such a database, so now anyone can check the authenticity of an MTPL policy and completely free of charge.

Visual inspection

You can carry out an initial check of the paper version of the policy visually. To do this, you need to carefully examine the document and pay special attention to the following:

• size of the form – it should be 1 cm larger than the A4 sheet format;
• watermarks – the RSA logo should be visible on the form, colored fluff is visible throughout the entire field;
• metal strip – located on the left along the entire length;
• the number is always ten digits, the series is EEE (paper forms) or XXX (for electronic versions).
• since 2018 all issued. Having recognized it with a smartphone camera, you can get all the information from the official RSA database (the corresponding web browser page will open).

In the policy you must find all the necessary information about the policyholder, the insured item, the validity period, the sum insured and the premium. Empty fields are crossed out. The amount of the insurance premium must be the same on the form and on the receipt that is issued upon payment.

At the time of concluding the contract, the insurance company must have a valid license giving the right to enter into MTPL contracts, otherwise the policy issued by it is considered invalid.

Check by number

You can more accurately check the policy online on the RSA website. Here you will have to fill out the form provided, where you need to enter the series and form number.

After entering a one-time verification code on the site, which will appear in the picture, a search result will be received from the RSA database. The authenticity of the policy is confirmed if its number shows the status “Hosted by the policyholder.” However, it is better for you to compare the name of the insurer and the duration of the contract with the data indicated in the form being checked. If something doesn't match, it's probably a fake.

Checking MTPL for authenticity by series and policy number dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm

The status may be designated as “Hosted by the insurer.” This does not mean that your policy is fraudulent or invalid. Perhaps a company employee simply did not confirm the issuance of this policy in the unified database. However, if this status has persisted for a long time, the situation should be clarified with the insurer so that the policy status is changed.

If, during an online check of the database, the result is “No longer valid”, “Lost”, it means that the authenticity or validity of the policy has not been confirmed and this document is not valid at the time of verification. In this case, it would be advisable to contact representatives of the insurance company and police officers, and also buy new policy OSAGO, if you intend to continue using your vehicle without waiting for the disassembly to be completed.

It is important to remember that, despite the high reliability of such an online check, PCA cannot guarantee protection against a duplicate of a valid policy. Fraudsters can issue exactly the same document with the same number and the same insurance periods, but with a different vehicle. Then, when searching in the database, the status of the policy will be the same - “Hosted by the policyholder,” that is, the duplicate will be recognized by the program as valid as the original.

You can check which car is insured by the OSAGO policy series number on the RSA page dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm

If you have the slightest suspicion that you have a duplicate, go back to the RSA database and check which car was insured under this contract. After filling in the requested data, you will receive the following results:

• vehicle registration number,
• VIN/body number,
• policy status,
• the name of the insurance company that issued it.

If the information received does not match what you see in the paper OSAGO policy, be sure to contact your insurer to clarify the circumstances and write a statement to the police.

Check by vehicle number

In some cases, you may need to know the policy number. This happens when the policy is lost and needs to be restored, or when the policyholder involved in an accident does not have it with him, but the number is needed to be included in the notification of the accident. You can find out about the availability of a “motor citizen” and check the OSAGO policy number based on the data of the vehicle itself. To search in the RSA database you will have to enter the numbers:

• registration (written in Cyrillic plus region code),
• body,
• chassis.

In most cases, just one vehicle registration number is enough to get an answer. But if, after entering it, the information about the insurance policy number is not found, then you will have to fill out the entire form. At the same time, it is important to remember that we cannot exclude the possibility of accidental errors both when filling out the request form and when issuing a policy and transferring its data to the RCA database. This can also cause the lack of results after searching in the database, although it is a rather rare occurrence.

You can check the availability of an MTPL policy by car number on the RSA page dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm

When filling out the request form, be sure to indicate the current date. Thus, you will find out not only the policy number, but also confirm the fact that it is valid for this moment time.

With this request, you can receive the number and series of the MTPL policy, but also information about the drivers allowed to drive the insured vehicle. This can be important when there are several of them and it is necessary to know exactly whether a particular person had the right to drive a car. To obtain such information, you must provide information from your driver's license in your request. Enter the series and license number - and you will be given an answer whether it is approved this person to use an insured vehicle. Be extremely careful when entering signs. A series can consist not only of numbers, but also of letters. Entering Russian letters in Latin characters can lead to data distortion and negative search results. The number always consists of 6 digits, but they must also be entered correctly.

It should be remembered that just one driver’s license number is not enough to check the MTPL policy and find out its number. If you are interested in this particular data, you will have to supplement the information with the above information.

Checking by license number will be useful in the event of an accident, and will also allow you to check the correctness of the data entered when drawing up an insurance contract and subsequent changes that may be made to the list of persons who are allowed to drive a car. Mistakes accidentally made by insurers distort the data in the RSA database and cause a lot of inconvenience to motorists when they are checked by patrol officers. If such discrepancies are identified, contact your insurers with a request to check the policy and the accuracy of the data in the database and, if necessary, make adjustments.

Every car owner should remember that he can easily check the authenticity of the auto insurance policy himself by sending an online request to the RSA. If he receives a negative answer, he must contact his insurance company with this form and request an internal investigation. His security service will look into the issue of the legitimacy of the extradition of this policy and searching for fraudulent agents who wrote it out or forged it. If the company cannot resolve this issue on its own, then it is worth involving the police in the matter. But, as a rule, any self-respecting company independently copes with resolving such a situation.

Often policyholders learn that the MTPL policy is invalid only after the insured event. However, large insurance companies strive to maintain their reputation in the market and not lose the trust of clients, so they often meet their client halfway and can make a payment insurance compensation even under such a policy. There is also the possibility and very high chances of obtaining compensation for damages through the court. But when filing a lawsuit, the car owner must confirm that he received the form from an employee of the insurance company itself or from its agent and paid insurance premium for him by presenting to the court the policy form and a receipt for payment of the insurance service.