How to find out if your MTPL policy is fake

Checking the MTPL policy using the RSA database

Is your OSAGO policy genuine?

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The size of the OSAGO policy is slightly longer than the A4 format (by 5-10 mm.)

The entire area of ​​the policy must have RSA watermarks

There are inclusions of red fluff on the OSAGO policy

There is a visible vertical metal strip on the back of the policy

The numbers of the OSAGO form number must be convex and palpable

How to avoid becoming a victim of scammers?

After purchasing an MTPL policy, follow several rules

Always check all documents - application, receipt, policy

Make sure all information in the documents is correct (not just the amount)

Make sure the insurance company's stamp is on the forms

The data on the original policy and the copy must match

Compare the last name of the insurance intermediary - they should be the same

Check the current insurance license for concluding MTPL contracts

You should be wary of the undervalued cost of the policy: do not buy compulsory motor liability insurance if the cost is less than the officially established one.

Is it time to apply for compulsory motor liability insurance?

Calculation of the cost of compulsory motor liability insurance

Fill out the online form for calculating the cost of the MTPL policy and select the most advantageous offer from those presented during the calculation

Data checking

Have all factors influencing the cost of compulsory motor liability insurance been taken into account? Double-check and find out now whether you are overpaying for your MTPL policy?

FAQ

Where do fake OSAGO forms come from?

Currently, OSAGO forms are highly valued by scammers.

Fake MTPL policies can be specially manufactured. Such forms can be distinguished visually (memo/visual check).

Also, the forms may be reported as lost or not submitted to the insurance company when the intermediary leaves the insurance company.

Forms of insurance companies with a revoked license are also invalid (“left”).

How to check an electronic OSAGO policy for the authenticity of the PCA?

Recently, electronic compulsory motor liability insurance has begun to spread actively. More and more people are trying to buy MTPL via the Internet every day. But how not to run into scammers? Even purchasing an electronic policy on a supposedly official website does not guarantee the security of the transaction.

After purchasing a real electronic MTPL, your policy is automatically included in a single database. Be sure to check the authenticity of the electronic OSAGO policy at RSA.

You can check your MTPL policy either on our website (on this page) or on the RSA website.

How to check the authenticity of an MTPL policy in the RSA database?

Good afternoon, dear reader.

This article will discuss how to check the authenticity of a compulsory motor liability insurance policy through the database of the Russian Union of Auto Insurers.

The fact is that recently a large number of scammers have appeared on the MTPL market. Insurance companies deceive in different ways. Some try to impose additional services under the guise of mandatory ones. Others sell fake MTPL policies that make it impossible to receive payments.

In this regard, information has emerged that the Russian Union of Auto Insurers will force all drivers to replace their insurance policies from July 1, 2016. However, this information has not been confirmed by regulatory documents, so it is premature to take it seriously.

Let's look at how to check the authenticity of an insurance policy.

Verifying the authenticity of the MTPL policy

Checking the authenticity of OSAGO on the RSA website is a fairly simple procedure. To check, use the following form:

1. Pick up your insurance policy. Pay attention to the upper right corner, where its series and number are indicated.

2. Select the policy series from the drop-down list.

3. Enter your policy number in the appropriate field.

4. Enter the verification code and click on the “Search” button.

After this, different results are possible.

Genuine OSAGO policy

If all the data in the table corresponds to the data of your policy, then everything is in order, it is genuine. You have nothing to worry about.

In addition, the policy status must be “Held by the policyholder.”

Invalid OSAGO policy

There are several possible options for an invalid policy:

1. Policy not found.

In this case, the policy is fake.

2. The policy was not issued.

This message means that you have a copy of this policy in your hands. The real policy is still with the insurance company.

3. The policy has become invalid.

In this case, the policy was issued, but was subsequently cancelled.

4. The policy is expired.

The said policy was valid until November 2015 and is currently invalid.

Attention! If you have received one of the four indicated messages, then first of all buy a new OSAGO policy. This will allow you to avoid fines for not having insurance. Only after this you need to contact the insurance company that issued the fake policy for clarification and a refund.

Please note that when using a fake MTPL policy, the person at fault for the accident will pay for the repair of someone else’s car from his own pocket.

In conclusion, I would like to note that checking an MTPL policy using the RSA database takes only a few minutes. Therefore, I recommend checking your existing policy and, if necessary, taking timely measures.

Unified OSAGO database (check policy)

Today, the insurers' database allows you to check compulsory motor liability insurance in different ways: by the policy number, by the car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three verification options:

1. Checking the status of the form by its number. You can check your paper or electronic MTPL policy against the AIS RSA (Russian Union of Motor Insurers) database and find out its validity period below.

This form is for checking both paper policies and electronic policies of the XXX series purchased via the Internet! Usually, electronic insurance is included in the database immediately after registration, but sometimes due to the workload of the database, this can take several days. The correct status for valid insurance is “held by the policyholder” (but if immediately after purchase the status is still “held by the insurer”, then this may be normal - the agent may not have had time to make changes to the database, wait a couple of days and only then sound the alarm) . Definitely “bad statuses” of an MTPL policy are “lost in force” (why exactly it lost force can be seen in more detail by checking below) or “lost”. The status “printed by the manufacturer” means that such a form was not even handed over to the insurer.

Such a check does not give 100% confidence that you have a valid policy (after all, fraudsters could make a “duplicate” of the real form), but it allows you to reject obvious fakes and stolen forms. But in order to exclude “duplicates” you need to check which car is insured under your policy...

2. Find out which car is insured using a specific form. In addition to the license plate number, VIN code or body number, in the results you can find out a more detailed status of the form, for example, why exactly the insurance is not valid (the contract could have been terminated early or the policy could have been lost by the insurance company):

3. Find out the MTPL policy number by state number, VIN or body number + check whether the driver is included in the insurance . This check is the reverse of the previous one, here, based on the car’s data, you will find out which insurance company it is insured with, the policy number and its type (limited or unlimited). Checking by VIN is the most complete. It is searched by license plate number only if this information was provided by the insurer (they do not always do this).

If the insurance has a limited list of drivers, then the system will offer to check, using the number and series of the driver’s license, whether a certain driver is included in the insurance (this option appears in the second step after).

If you have recently added someone to your MTPL policy or made other changes to the data, then according to regulations, insurance companies are required to make changes to the RSA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been reflected in the AIS RSA database.

The last check is also useful for checking a used car before purchasing. After all, the presence of two simultaneously valid MTPL policies on one VIN number (or GRZ) can be a “bell” that the car is a “double”. In this case, I also recommend checking the VIN using the technical inspection database (in this case, it is a bad sign that the car regularly undergoes maintenance in one region or another).

4. Help from an auto lawyer on MTPL issues:
If you are faced with the fact that your policy, judging by the database, is fake or you have other legal questions related to MTPL, then you can get a free response from a lawyer in the form below:

How to check your MTPL policy for authenticity online

Increasing cases of counterfeiting of MTPL forms, as well as the use of those listed as lost or issued to an insurance company whose license was subsequently revoked, led to the development of RSA a service for checking their validity. The opportunity to check the authenticity of an OSAGO policy online is provided to everyone without restrictions. This allows you not only to check your insurance, but also the policy of the third party who caused harm in the accident. This article will analyze all the ways to check the authenticity of the form, and also give advice on what to do if it turns out to be fake and is not in the database.

How to check the authenticity of an MTPL policy?

Thanks to modern technologies, checking whether the compulsory motor liability insurance policy is valid is not difficult - you can do it yourself. You can check it directly at the conclusion, both by visual signs and by the correspondence of the information specified in the contract to reality. Among the visual signs you should pay attention to the following:

• The size of the form is larger than A4 format (the difference is about 1 cm);
• the presence of protection watermarks with the logo of the Russian Union of Motor Insurers, as well as the presence of multi-colored fibers throughout the entire area of ​​the form;
• the presence of a soldered metal strip along the left edge, which penetrates the entire length of the form;
• The policy number must contain exactly 10 digits, while the series for printed ones should currently be EEE (until 05/01/2015 the CCC series was in effect) or XXX for electronic ones.

In addition, it is necessary to ensure that all information is filled out, and in cases where specific items do not need to be filled out, they should be crossed out. The amount of the insurance premium indicated directly on the form must match the amount actually paid and correspond to that written out on the receipt, which must be issued without fail.

An important role in the validity of the policy is the insurer's authority to enter into MTPL contracts. This authority is confirmed by a special license, which at the time of registration must be valid, that is, it must not be revoked or suspended.

Checking the form by number

The simplest and most accurate way is to check the MTPL insurance policy online in a specially designed form on the RSA website: To check, just indicate the series that must be selected from the proposed options, and the contract number, and also pass a check to confirm the security code - for this you need to specify the code from the picture (each time the system issues a new confirmation code).

If everything is done correctly, a new window will open, which will contain information regarding the specified policy contained in a single database. The correct status is considered to be “Located by the policyholder”, and the term of insurance and the name of the insurer must match the one issued at the conclusion.

When making a request immediately after concluding a compulsory motor liability insurance contract, the system may indicate that it is “Hosted by the insurer” - in such a case, you should not panic. This is due to the fact that the insurance company employees did not confirm the conclusion of the policy in the system. If such a status is listed on a form issued quite a long time ago, then you should contact the insurer and clarify the current situation.

Statuses “Lost” or “No longer valid” should cause concern, since they indicate that the contract is invalid as of the date of verification. In this case, you must contact the insurer and the police. In any case, you will have to purchase a valid policy again.

The method described above for checking an MTPL insurance policy online has a high percentage of reliability, but will not protect against duplicates, since the database will also display the status “Losed by the policyholder.” It is quite difficult to identify a duplicate - fraudsters issue them with identical insurance periods. If you suspect a duplicate on the official RSA website, you can also check which car is insured under a specific policy using the following link: dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm After entering all the necessary information, including indicating the date of the request , the following information will be generated below the request form:

• registration plate of the insured vehicle;
• VIN number or body number;
• contract status;
• name of the insurer.

You just need to check the data from a single database with the printed form and documents for the car. The policy is a duplicate if the information regarding the vehicle does not match. In this case, you must act in the same way as with the statuses “Lost” or “Expired”.

How to check your MTPL insurance policy online using your car number?

Situations arise in which it is necessary to find out not only information about whether the car is insured or not, but also the number of the form itself. For example, when it is lost, and in order to restore it you need to contact the insurer and provide the policy number, or if you are involved in an accident, if the culprit has not provided compulsory motor liability insurance, then you can check whether his car is insured or not.

Finding out about the availability of an MTPL insurance contract is quite simple. On a special service on the RSA website at dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm you must fill in the following data:

• identification number (VIN);
• registration plate - you must enter the number in Russian letters indicating the region code;
• body number;
• chassis number.

When checking an OSAGO insurance policy online by number, you can indicate all the information in total or, for example, just the registration plate. If only one item is indicated and the MTPL agreement is not found in the database, then other information must be entered to complete the correct request. It should be noted that all data is entered manually and human error is not excluded. If there are errors when entering this information, as a rule, they will be made in the policy form itself.

The request field also indicates the date on which it is made - this will help to find out whether the insurance was valid on a certain date. This information will help victims of road accidents. Any date can be specified; if it is necessary to verify the authenticity of OSAGO, then the current date should be set.

The response to the request not only contains information about the series and number of the concluded MTPL agreement, but also information regarding the list of drivers, in particular, whether insurance has been concluded with or without restrictions. This allows you to find out whether a particular driver was allowed to drive a vehicle.

To clarify information about the driver’s permit, you must additionally enter information from his driver’s license (series and number). The series of a Russian driver's license contains both numbers and Russian letters or only numbers (consists of the first 4 characters), and the number always contains only 6 digits. If the driver is cleared to drive on a specific date, the system will issue a green response with information about admission. It should be noted that it is impossible to determine the insurance policy number simply by the driver's license number.

Checking the clearance of a specific driver will help not only during an inspection as part of an accident, but will also allow you to monitor the work of the insurer when making changes to the list of persons allowed to drive. Quite often, insurer specialists make mistakes when entering information into a single database, and subsequently, when checked by traffic police officers, the data on drivers or cars does not correspond to reality. In such cases, it is necessary to contact the insurer with a request to enter correct data into the unified RCA database.

In conclusion, it should be noted that you can check the authenticity of your MTPL policy online yourself, and if the form is not available in the system, you must first contact the insurer and provide the completed form for an internal investigation. Large insurers monitor their reputation, so all issues with invalid forms, including those issued by fraudulent agents, are resolved by the insurance company's security service. In such situations, if the insurance company does not solve the problem or refuses to solve it, you should definitely contact the police. Quite often, using forms of compulsory motor liability insurance policies, which, although invalid, the client learns about this only after the accident, responsible insurers make payments in order to preserve their reputation in the insurance market. There are also high chances for clients with an invalid policy to receive compensation in court if it is proven that the borrower properly issued a policy with an agent or employee of the insurer and paid for it in full in cash.

Still have questions?

Consult a lawyer (free of charge, 24 hours a day, seven days a week):

Attention! Lawyers do not make appointments, do not check the readiness of documents, do not advise on the addresses and operating hours of the MFC, and do not provide technical support on the State Services portal!

Check the authenticity of the OSAGO policy in the RSA database

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 MTPL.

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

• Rosgosstrakh
• Ingosstrakh
• Alfa insurance
• RESO
• SOGAZ
• Renaissance
• VSK
• Ergo
• 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 online. 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 in official sources, namely the RSA 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.

Do you want to buy OSAGO? Buy a compulsory motor liability insurance policy online - arrange your own insurance via the Internet.

Checking the policy using the official RSA database

The Russian Union of Auto Insurers (RUA) provides a database that contains information on all OSAGO policies sold. Below on our website is the form of the official RSA website. Please fill out all fields of the form, including the number of the insurance policy itself, in order to do an online check of compulsory motor liability insurance using the RSA database.

You can check the OSAGO form for authenticity using the official RSA database at the top of this article .

Additional service:

Check and pay traffic fines online.
Checking the KBM value using the AIS RSA database.
Do you need a guaranteed authentic policy from a reliable insurance company? Calculate compulsory motor liability insurance on a calculator.

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