Check your MTPL policy using your driver's license

How can I find the OSAGO insurance policy number using the RSA database and can I find it out from my driver’s license?

The state strives to protect citizens from material damage resulting from road accidents. Therefore, today in the Russian Federation there are widespread insurance companies that issue insurance policies to car owners. This auto insurance pays for all losses and damages incurred as a result of an accident to the injured driver.

But sometimes information about the policy is required immediately, and the form is not at the scene of the incident. What to do in such a situation? How can I find out the code value of the form, which gives access to all the information in the document? We will talk about this in this article.

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What is a car insurance code?

The insurance policy number is a ten-digit number. Thanks to it, you can find out comprehensive information about the vehicle and its owner . Read about how to find out the owner by the MTPL policy number here.

You can also get information about when the document expires, how many times it was used, as well as what accidents the car has been involved in during the current period of time. Agree, the information is necessary and necessary, especially when it comes to purchasing a car second-hand.

Where is it located?

Naturally, this numerical expression is located on the form. If you put it with the title side facing you, you can see the code in the upper right corner. It usually has a red tint.

That is, if you have information about the insurance policy form code, you can obtain comprehensive information about the car and its owner. This explains the need to assign a similar numerical expression to each form.

What is it for?

In fact, the importance of this concept is difficult to overestimate.

First of all, the MTPL policy code is necessary to check whether you have encountered a fraudster. Very often, in an effort to save money, citizens purchase insurance policies in the MTPL form not from insurance companies, but from so-called representatives. Citizens risk running into a scammer who will sell them a cheap, but still fake form.

The practice of fraud in this area is quite common, so before making such an expensive purchase, think twice.

Required data

Data that will help you find out information about the code value of the MTPL policy:

• State registration number of the vehicle. It is assigned to each car individually, and you can use it to clarify the information you are interested in.
• It is also possible to find out the information you are interested in using the VIN code.
• But it is not possible to find out the MTPL policy number by last name. Unfortunately, there is a high probability of finding information about the namesake, which will cause significant confusion. That is why, along with the last name, the citizen receiving the data must also know some other information.

How and where to find information on car insurance - detailed instructions

As mentioned above, in order to find out your MTPL insurance policy number, you must have any data that relates to a specific driver and his vehicle.

In order to find your MTPL policy number, you need to go to the portal of Russian auto insurers (RSA). In order to find out the code of the issued document using the RSA database, you just need to have with you the data that will become the basis for receiving it. Such data must be entered into the empty fields that are available in the form:

1. Find the tab with the name OSAGO.
2. Follow it.
3. In the menu item that opens, select “information about accidents and violations that have occurred.” Follow this link.
4. You will see a form and empty fields.
5. This is where you need to enter the information you have, for example, last name, first name, patronymic of the owner of the form, VIN code, state registration plate.
6. Click on the “get information” button.
7. After loading, you will see data on the screen that relates to the validity period of the MTPL policy, basic data about the car and its owner, as well as the insurance policy form number itself.

In order to find the MTPL insurance policy number, you will need information about your last name, registration number of the car and body, vin code, or driver's license.

You will find more details about how to find out your MTPL policy by car number in this article.

Insurance Company

You can also contact the branch of the company where you filled out the form.

1. Provide the owner’s initials, along with information about the state sign, VIN code, and so on.
2. Based on the data received, the insurer will run your information through the database and after some time you will receive the information you are interested in.

Private organizations

Many private organizations in the Russian Federation also provide assistance in the form of obtaining the necessary data for you. True, you will have to fork out for this service. There are no uniform tariffs for the cost of services.

Such companies exist both on the Internet and operate through personal reception. The main thing is not to run into scammers who use the same RCA database to search for the data you are interested in.

How to find using a driver's license?

If you know your driver's license number, you can find information about your MTPL insurance policy number. To do this you need to use:

• RSA database;
• company office;
• services of a private organization.

The easiest and fastest way is to visit the portal of Russian auto insurers. Use the instructions outlined above. However, enter your driver's license code information in the fields. Click on the “get data” button. After some time, information about the number of the required document and other data on the car will appear on the screen. But only on condition that the insurance product really exists and is not fake.

I lost my insurance document - what should I do?

If you have lost your MTPL policy, then finding out its number will not be difficult. To do this, you can contact the office of the insurance company , and you need to have an identification document with you.

Tips and nuances

• In order to find out the insurance policy number using the MTPL form, you can simply call your insurer on the hotline. This method is very simple, but only if you have the necessary data.
• Another piece of advice is that you should not rush to provide your electronic MTPL number or other data to third parties with whom you do not have a service agreement. This applies to communication with private companies. Today, the RSA portal allows you to independently obtain the necessary information, without resorting to the help of outsiders.

We hope that the instructions we outlined have become clear, simple, and most importantly doable for you. Use one of the proposed methods and become the owner of an MTPL number, as well as other information about your car.

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:

Checking the KBM

Checking the KBM

The bonus-malus coefficient (BMC) is an indicator that indicates the level of discipline of the driver of the vehicle. It is used by insurance companies to calculate the cost of issuing an MTPL policy. The CBM was introduced in 2003, and the principle of its determination and the mechanism for providing discounts when concluding an agreement with an insurer changed several times.

How to find out the bonus-malus coefficient

As a result, confusion often arises, which can be eliminated by using only reliable resources and databases to check the coefficient. These include the official website of RSA, that is, the Russian Union of Auto Insurers, which maintains a register of insurance policies, comprehensive information about which is collected in the AIS RSA (automated information system);

In order to check the KBM MTPL using the unified RSA database online, you must enter information about the owner of the vehicle, which includes:

•date of his birth;

•driver's license details;

•date of the generated request in RSA. In this case, you should indicate the day following the expiration of the current MTPL policy.

After entering the specified information into all input forms, you should check the box indicating that you agree with the rules for processing and providing data established on the site, and then click on the “Check” button. Within a few seconds, the data the user is interested in will be displayed on the screen, after which they can be used to calculate the price of the policy. It is important to note that the verification service is provided free of charge.

Couldn't determine the KBM?

Often a situation arises when it is not possible to determine the KBM and the verification service generates an error. There may be several reasons for this development of events:

•an error on the part of the auto insurer who submitted incorrect data to RSA;

•changes in the documents of the vehicle owner or driver;

•failure in the operation of AIS SAR;

•conclusion by the car owner of several insurance contracts or the use of an illegal insurance policy, for example, without passing a technical inspection.

In case of an error on the part of the insurance company, the car owner can file a complaint with the regulatory authority - the Central Bank of the Russian Federation or directly with the RSA.

What to do if your MTPL policy is lost? How to find him using his driver's license?

Details of the MTPL insurance certificate are no less important data than the series and number of a passport or driver’s license. This is a unique combination of series letters and a ten-digit digital code that identifies a specific policy form.

In a situation where it is necessary to remotely find out the document number, both the policyholder himself and other interested parties may find themselves - traffic police officers, a second participant in a traffic accident, a potential buyer of a used car. Let's look at how to do this using modern tools of the Russian system of compulsory motor third party liability insurance.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, just call, it’s fast and free!

What is insurance numbering?

According to Law No. 40 of 04/25/2002 “On compulsory motor third-party liability insurance” (valid as amended on 09/25/2017), the insurance certificate is issued on a strict reporting form . Each document contains a series and number that are entered into the insurance contract, the database of the company that issued the policy, and the Russian Union of Auto Insurers.

The numbering of Goznak forms is continuous. The corresponding policy number is assigned when purchasing a certificate via the Internet, and when selling e-OSAGO, the company marks the form it has in its possession as being in the possession of the policyholder, regardless of whether the car owner expressed a desire to pick up a paper equivalent or not.

In the first case, only information about the form number and the insurance company that received it will be available through the link. The second contains a complete certificate about the policyholder, company and vehicle.

What can you learn from it and why is it needed?

The form details are indicated at the very top, directly under the name . The series consists of three letters, often identical, and a number of ten digits. The combination is unique and serves both as a protective measure against counterfeiting and as a policy identifier.

Information about the series and number of the certificate is sufficient for verification by traffic police officers when drawing up a Europrotocol in the event of an accident and in other cases when information about compulsory motor liability insurance is required.

In addition, in 2017, by order of the Ministry of Internal Affairs of the Russian Federation No. 139 dated March 20, 2017, changes were made to the Rules for registering motor vehicles with the State Traffic Inspectorate, according to which at the time of registration the owner must have a valid OSAGO policy, but it is not necessary to present it to traffic police officers - information are checked through information systems. In this process, the series and policy number are key parameters, and, for example, in the event of a system failure or incorrect search, knowing them will help the driver speed up the process.

This article explains whether it is possible to find out the owner of a car by the policy number.

Required data

If for some reason you don’t have an insurance policy at hand, and you urgently need to find out its details, we will help you:

• driver's license series and number;
• state registration number of the car (how to find out the policy number by car number?);
• VIN code or serial number of the body and chassis;
• details of the contract with the insurer.

We wrote in this article about whether it is possible to find out the MTPL policy number by last name.

Step-by-step instructions on how to find your data

The easiest way to find any information about insurance is to check via the Internet using the unified database of RSA - the Russian Union of Auto Insurers https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm or on the websites of insurance companies and online services that directly interact with the national database. You can search for information in a matter of minutes from anywhere from any device connected to the Internet.

The RSA resource provides several ways to search for policy data, but some of them require the same form details. Without them, the following checks remain:

By license plate number or unit identification numbers or VIN code. Follow the link https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm. In the form provided, you need to enter all the available information or just one of the numbers.

For example, if the technical passport is also not at hand, few people will remember the chassis number, but all drivers know the registration number by heart. In the same menu, after finding information about insurance, you can check whether you are included in the list of persons whose auto liability is insured by this policy. To do this, enter the series and license number in a new window.