Who owns the insurance? How to check the MTPL policy number using the RSA database using the car number and VIN code? Where can you check your insurance policy by car number?

You can check the authenticity of an OSAGO policy only using the official unified RSA database. Such information is provided by , the database stores information about concluded MTPL contracts, indicating which insurer owns the policy, when it was concluded and the validity period.

Check OSAGO by policy number

In the RSA database, you can check the MTPL insurance policy by number; you can either use an electronic policy or enter the MTPL insurance policy on a strict reporting form.

OSAGO policy statuses in the RSA database

Located at the insurer:- this statute means that the policy is registered with the insurer, and may be in the hands of company representatives or agents. It may also be that a policy has been issued, but the data has not yet been entered into the RSA database. Data can arrive from several minutes to several days.
Located at the insured:- means that the policy has been issued and is in the hands of the policyholder. Be sure to check the registration date and validity period of the compulsory motor liability insurance specified in the RSA database; they must coincide with the compulsory motor liability insurance agreement.
The policy was not found: - there are three options for events, first, there was a mistake when entering data, second, the RSA database is temporarily not working, and third, an MTPL policy with this series and number does not exist.
Damaged: - the status is assigned to forms that are submitted to the insurance company as damaged or with errors. Such forms are not subject to sale and are subject to write-off.
The policy is printed by the manufacturer:— the status applies to paper forms. The form was printed at the Gosznak printing house and is not yet assigned to the insurer.
The policy has expired:- canceled as a result of termination of the contract and return of funds, or a change of owner. It is also possible that the MTPL policy has expired or has been terminated due to non-payment of the insurance premium.
The policy is expired:— the insurance was issued for a short insurance period of 3 months and was not extended further.
Stolen: - when a form is stolen from an agent or insurer, the victim reports to the police and receives a notification ticket. Next, the data enters the RSA register. Based on stolen forms, the insurer is released from its insurance payment obligations.
Lost: - the policyholder has lost the MTPL, a new form with a new series and number was issued in return. The insurer may lose the forms during the inventory; if any are found, it is obliged to compile a register and send it to the RSA. With due procedure, the insurer using such forms is released from payment obligations.

To find out complete information on your MTPL insurance and its status, contact the insurer's help desk by calling the phone number indicated on the form in the upper left corner.

Check the OSAGO policy for authenticity of the PCA

We check the paper OSAGO strict reporting form visually and against the light:

1. The color of the form is only pink;
2. Pay attention to the size, the form is 1 cm larger than the A4 sheet format;
3. On the left side of the front side there is a metal strip; when viewed in the light, the continuous inscription “OSAGO policy” is visible and its width is 2 mm;
4. Current series - “MMM” and “KKK”. The number consists of 10 digits;
5. Watermarks are visible in the light: - RSA logo and 5 cars with an insurance shield;
6. Present with information.

When reading, there is an automatic redirection to, which shows information about the insurer and the date of registration and validity of the contract.

Check the electronic OSAGO policy for authenticity of the PCA

Electronic MTPL insurance is also verified electronically using the RSA database, differing only in the series.

• Electronic MTPL has a series of forms “XXX” and a special QR code with information about the MTPL insurance policy.
• The remaining paper insurance policies have the “MMM” and “KKK” series
• The EEE series went out of circulation on July 1, 2018.
• The “BBV” and “CCS” series are out of circulation and are invalid.

All contracts of compulsory motor third party liability insurance concluded after September 1, 2014 are recorded in the unified automated information system of the Russian Union of Motor Insurers. Insurers are required to upload data to the portal within one working day from the date of concluding a new contract. So check

The MTPL policy for the authenticity of the PCA allows any policyholder who has this document in hand. Authentication makes it possible to avoid damage from fraudsters.
To check the MTPL policy in the AIS RSA on the association’s website, you need to go to this section of the RSA website - https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.

1. Checking the insurance form by number. To check, you must select a document series from the drop-down list, indicate its number and the date for which you need to provide data. After confirming the security code, the status of the requested form will be displayed on the screen. It is worth noting that from July 1, 2018, when concluding a car insurance contract, only OSAGO forms of the KKK or MMM series are issued.

Verification is available for both paper and electronic forms. The policy can have several statuses:

• “is in the possession of the policyholder” – the document is genuine and handed over to the policyholder.
• “is with the insurer” – the document is still with the insurer or the insurer has not yet submitted information to the AIS RSA. For this reason, it is better to check the MTPL insurance form for authenticity a few days after the conclusion of the contract.
• “lost force” – the policy is no longer valid. The reason why the document has lost its validity can be found out by checking which vehicle is insured under this document.
• “lost” – the policyholder has provided the insurer with information about the loss of the document.
• “printed by the manufacturer” - the form to be filled out has not yet been submitted to the insurer for use.

Unfortunately, scammers can forge a valid MTPL policy, so to ensure the authenticity of the document, you should additionally check which car is indicated on the insurance form.

2. Checking information about the vehicle insured by the MTPL contract. To do this, you need to fill out information about the series of the form, enter its number and indicate the date on which you need to provide the data. After confirming the code, information about the insured car will be safely displayed on the screen: license plate number and VIN code.

3. “Reverse” check: clarification of the policy number based on the vehicle data. For such a check, you will need to indicate the VIN number, license plate number, body number and chassis number of the car. When specifying a license plate number, the region code is indicated at the end, all data is entered without spaces or additional symbols. After specifying all the data, the page will display information about the name of the insurance company, insurance form number and type of insurance contract.

If an insurance contract has been concluded with permission for a limited number of people to drive a vehicle, at the second stage of verification the system will ask you to check whether a specific driver is included in the policy. To do this, you will need to indicate the series and number of his driver's license. It is worth noting that if changes to the policy data were made recently (1-2 days ago), they may not have had time to be displayed in the electronic system, so it is worth returning to checking the information a little later.

In addition to the opportunity to check the MTPL policy for authenticity, the RSA website contains a reminder for motorists warning against scammers. To avoid becoming the owner of a fake car insurance form, you should:

• check whether the insurance company has a valid license for the right to implement compulsory motor liability insurance on the website of the Bank of Russia;
• complete documents only at insurance company sales offices;
• check documents of brokers and agents confirming their right to sell policies on the official websites of insurance companies;
• You should not purchase insurance documents through couriers who deliver completed forms to your home;
• You should not pay for services in cash.

Information from a fake document is not transmitted to the IAS RSA, therefore the owner of such a form will not be able to use the KBM accumulative system. Naturally, in the event of an accident, such a document does not provide for insurance payment and all possible financial costs are transferred to the driver. In accordance with the Criminal Code of the Russian Federation, using a fake policy and presenting it to a State Traffic Inspectorate employee constitutes a crime.

If, after checking the MTPL policy for authenticity on the RSA website, it turns out that the policyholder is the owner of a fake document, you must immediately contact the internal affairs authorities with a statement about fraud committed against him.

Sometimes motorists have situations where they need to check their insurance using their policy number.

Except in cases where a car owner wants to find out detailed information about his own policy, such a check may be necessary to establish whether the participants in an accident have a motor vehicle license.

This is one of the current ways to solve the problem without calling the traffic police. If drivers do not have a contract in hand, then during the paperwork process this information will come in handy: how to find out where the car is insured under compulsory motor liability insurance.

The requirement to purchase an MTPL policy creates many opportunities for fraudsters to manipulate. According to the Association of Russian Auto Insurers, about a million fakes are sold every year.

Sellers of fake insurance especially make money during the period of rising rates and offer their services to motorists who want to save money.

Such unreasonable savings and inattention may result in additional expenses or even criminal liability for forgery and use of a false policy.

Sellers of forms at a discount can be found at service stations, car dealerships and even near traffic police departments. With the advent of design on the Internet, users can easily be misled.

They transfer money to scammers who completely copy the interfaces of their websites from the pages of large insurance companies. As a result, the check will provide information that the policy is not valid or another car is insured using the vehicle registration number.

A procedure such as checking an MTPL insurance policy online using the car number was introduced to reduce the number of requests from car owners who suffered from unscrupulous insurers.

Now the authenticity of policies can always be checked online. A special service was created by the RSA union of automobile insurers to facilitate and simplify the procedure.

To search for an MTPL insurance policy by number, you must enter the insurance number into the search engine in ten-digit format. An online check will take you to the official resource, where using the selected tab you can check your insurance policy by number.

As a result, you will receive a response indicating the name of the insurance organization that has the rights to this policy. If it refers to the relevant policyholder where you order insurance, then you can deal with this company and you will not be deceived.

The OSAGO database operates around the clock, meaning you can check the authenticity of the policy for your vehicle at any time of the day. Insurance verification is absolutely free.

Also, for a quick and thorough check of the policy, you can find information about the numbers on the website; by calling them, you can clarify the rules for using the database and other points.

The RSA database contains a complete list of MTPL agreements for 2019. If the insurance suddenly turns out to be not the organization you contacted or you didn’t find it in the database at all, then this may indicate fraud.

If the insurance policy has already been issued, then you should find the unscrupulous insurer and recover from him the insurance funds paid under the contract.

To search for an MTPL policy by vehicle number, you can also use the MTPL database. To check by license plate on the website, you must enter the vehicle license plate number without spaces or dashes. The information is current as of a specific date.

Thus, any car owner can check the MTPL policy being issued by number at any time. This will help you buy a valid insurance policy, avoid scammers’ tricks and correctly calculate funds in the event of an accident.

Today, in the insurer database, you can check your car insurance policy in various ways, for example, by car number or policy number. There are 3 verification options:

Fraudsters have long learned how to masterfully produce fake forms related to the insurance industry, which are difficult to distinguish from real ones.

Typically, special forms are used that are marked by the insurance company as lost or not returned, for example, when an agent leaves the insurance organization.

A document printed on a color printer may also not differ in appearance from an officially issued paper form.

Therefore, before applying for a policy, pay attention to the following points:

The cost of insurance must be market price. A reduced price should alert you, since not a single insurance company will operate at a loss. On the company’s website you can choose a special calculator and independently calculate the cost of the contract.

The imposition of compulsory CASCO or technical inspection may indicate the insurer’s dishonesty. This is a voluntary choice of the car owner.

The original forms could have been withdrawn by Goznak for various reasons. Once on the shadow market, they are used for fraudulent purposes. Forms from bankrupt insurers or companies that have lost their licenses can also be used.

Upon dismissal, unscrupulous employees of the insurance company resell the contracts and policies remaining in their hands to swindlers, although they are obliged to hand them over to the employer in accordance with the established procedure.

It happens that when applying for a car title, an insurance agent deliberately distorts data about the car in order to gain personal financial benefit from the difference in tariffs. For example, enters the data of a vehicle with a lower engine power. He appropriates part of the money received from the policyholder for himself.

There are also cases of re-sale of a contract, when after its expiration, fraudsters sell the document again, but in a different area.

In addition, counterfeit forms, homemade forms or documents containing corrections and filled out by hand are considered invalid.

There are situations when an insurance company, even with a fake policy, is obliged to compensate for damage. These are cases of unauthorized use of forms issued by the company.

The insurer is obliged to make payments for an insured event according to a document that was drawn up by their employee on a letterhead.

The organization is released from obligations if facts of incomplete payment of insurance premiums or theft of policies were discovered before the accident, and statements about these facts were sent to law enforcement authorities in a timely manner.

Victims of an accident should know what actions are available in the event that the at-fault driver's liability policy is invalid.

First, you need to find out from which insurer the policy of the at-fault driver was issued and contact the organization to confirm the authenticity of the contract.

Written evidence from the insurance company regarding the insolvency of the policy is the basis for demanding compensation for damages directly from the person responsible for the accident.

If he refuses to compensate pre-trial, then the participant in the accident can file a lawsuit and demand forced payment.

Also, the injured party can file a statement with the police to bring the other party to criminal liability for using fake MTPL insurance.

Compulsory insurance for motorists is provided for by law to protect their rights in the event of an accident. The imperfection of the control system over the circulation of counterfeit insurance forms requires vehicle owners to be more attentive to checking policies.

Today, the most widely available and reliable method of insurance verification is checking against the unified OSAGO database created by RSA.

To ensure that the result does not disappoint you, even at the moment of choosing to purchase a policy, you must take all measures to avoid becoming a victim of scammers.

Insurance payments are made only if there is a genuine MTPL policy. If the insurance turns out to be false, in the event of an accident, the motorist will have to pay for the damage himself. Both completely fake policies, even those printed in a printing house and having all the necessary attributes, as well as stolen forms or those lost by an insurance company are considered fake. To protect yourself from possible problems with the authenticity of documents, you need to check whether the car is actually insured under MTPL. This can be done in several ways. It should also be taken into account that the verification cannot be performed using the owner’s last name alone.

Using a fake policy entails significant risks, namely:

• if detected by traffic police officers, they may refuse to register the vehicle;
• contacting the insurer in order to obtain compensation for damage caused is regarded as a violation of the law.

Checking insurance authenticity using QR code

Each MTPL insurance policy has a 2-dimensional QR code with information about this document. This increases the level of protection against the production of counterfeit forms and allows motorists to quickly determine the authenticity of insurance. To check the policy using a QR code, you need to point the camera of your smartphone at the QR code, on which the corresponding reading application is installed - “Road accident Europrotocol”. You can download it from Google Play or App Store.

How to check a policy using the RSA database

Each MTPL insurer is a member of the Russian Union of Auto Insurers (RUA). Data on all MTPL insurance must be entered into the organization’s general database. Every motorist can go to its website and use the services in the “MTPL” section – “Information for policyholders and victims.” There are three ways to check your MTPL policy on the RSA website:

• the status of the form and the affiliation of the insurance company are checked by the policy number;
• the presence of a valid contract is determined by the VIN, license plate number or body number of the car;
• Using the MTPL policy number, you can check information about the insured car.

To check your MTPL for authenticity online, please indicate the policy number and series. The following document status options are possible:

• is with the policyholder - the policy is valid;
• is with the insurer - perhaps the company has not yet managed to make changes to the database (this takes several days);
• has become invalid or lost – means that the compulsory liability insurance policy is invalid;
• printed by the manufacturer - this contract form was not given to the insurance company.

To check the authenticity of the MTPL policy by car number, you must enter the car's license plate number, body number or VIN. This allows you to determine the type of policy, as well as the company that issued it. To check information about the vehicle specified in the car insurance contract, you must enter the number and series of the MTPL policy, as well as the date for which the information is requested. This online check is the reverse of the previous one.

You can learn more from AlfaStrakhovanie specialists on how to check an electronic MTPL policy for authenticity, as well as apply for insurance with official entry into the RSA database.

OSAGO, forced taking of money from the population, blackmail, which does not give the opportunity to leave the garage, as our elected representatives (deputies) claim, to help those responsible for road accidents. IT IS DIFFICULT, OF COURSE, TO TELL IF IT IS POSSIBLE TO CREATE HAPPINESS WITH ANY VIOLENCE! Here, too, of course, there are questions about who accidentally got into an accident, and who semi-intentionally, for example, did not look at the road at all, spoke on the phone, etc. Such accidents are unlikely to be included in payments under compulsory motor liability insurance.
Moreover, while chipping in to help the injured drivers, at the same time, you also need to chip in for the salary
insurance agents, there are about 50,000 of them in Rosgosstrakh alone.
AND exactly the same amount to improve the welfare of INSURANCE SHAREHOLDERS (half of all money goes to them).
But these are tens of billions of rubles, even about a hundred!
Insurance companies themselves do not even deny that this is an insurance market. The market is when it is voluntary, but it is forced,
THIS IS ALREADY LEGALIZED ROBBERY when the state forces the owners of insurance companies to collect money for the construction of cottages, pay for trips abroad, ETC.
Even in the 90s, even then the state did not force people to join MMM!
This already looks like the right sector, which robbed Ukrainians in broad daylight, collecting money for the ATO!
No, they helped those involved in accidents more, but they punished exemplary, accident-free drivers!
OSAGO does not in any way stimulate accident-free driving; anyone who drives without accidents has driven before OSAGO, during OSAGO and after it...
I have been driving for 30 years not for compulsory motor liability insurance, so the starting point should be from the one who drove without an accident, and those who have accidents almost every day, let them find out with the insurers how much interest was added to him for the accidental driving!
Laws on taking away money are imperfect! They accept and improve how best to rob us; by the insurers themselves, since they are in cahoots with the central bank!
They have already come up with the idea that starting from the new year they will be fined for driving without compulsory motor insurance with video cameras, but they didn’t install a camera in their office,
to pay fines for each imposed service, for each reset KBM...
It also makes the cost of the MTPL policy dependent on the number of fines for violating the driver’s traffic rules!
Why feed all these agents, especially share it with shareholders, when you can, put 2000 in the savings bank and go!
All the same, traffic accidents are dealt with by the traffic police, and insurers only pocket our money!
IF we leave the insurers, then the price of the policy should be fixed at 2000 rubles.
And the rest needs to be adjusted to this price, maybe reducing payments for road accidents, limiting shareholder profits to 5%.
If, indeed, there is not enough money, then let the state impose a responsibility on other shareholders WHO
USING THE IMPERFECT LAWS OF THE 1990S, THEY APPROACHED ALMOST ALL OF RUSSIA'S PROPERTY.
Insurers will not cheat with the state, the FSB will immediately put them on the floor!
And we don’t need such MTPL!!! If deputies care about the welfare of insurers, then such deputies will work no more than until the next election!!! Since the majority of the population is against such compulsory motor liability insurance!