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Check the OSAGO policy at RSA. Methods by which you can verify the authenticity of the CTP Rosgosstrakh policy and what you should pay special attention to

Find out how much an electronic OSAGO policy will cost for you and which insurance companies you can buy it in your region:

Fake forms-twins for OSAGO insurance actively "go from hand to hand" of motorists. Judicial practice shows that there are still forms in circulation that are listed as “lost”, stolen from brokers or insurers, as well as issued by unscrupulous insurance companies after the license was revoked.

2 clicks and you will know

In order to avoid misunderstandings and conflicts arising from an accident, RSA (Russian Union of Motor Insurers) offers everyone who wishes to secure a possible unfavorable situation in advance and personally check the policy for authenticity. To do this, you need to visit an online service with a complete database of compulsory auto insurance, where you can find out the period of insurance activity and the last name and first name of the valid insured of any car (including someone else's), both by series and policy number, and by vehicle registration numbers .

Visual principles continue to operate

Previously, experts advised to check the policy only to carefully look at the document received on hand:

  • Make sure the letterhead is about 1 cm wider and longer than A4 size paper;
  • The PCA logo was present in the protective watermarks;
  • Multi-colored microscopic villi are evenly distributed over the entire surface;
  • The soldered metal strip was located along the left edge;
  • The document number is composed of ten numeric characters;
  • Series EEE - for policies received directly from insurers;
  • Series XXX for e-insurance;
  • CCC series, used until 2015.

Requirements for accurate filling provide that: all available information must be entered in the appropriate columns, and in the absence of any data, the field should not be empty, but be crossed out with a clear line. The information on the form also includes the amount paid by the insured on the receipt as an insurance premium. In order to avoid problems, the client was offered to make sure that the insurer has a license, and it has not been revoked or suspended.

Today, these principles have not lost their relevance, but they are not enough. Fraudsters skillfully use modern technologies, against which an unprotected person is powerless. That is why the RSA decided to fight against shadow tendencies with the same measures, namely, the creation of a single electronic database with free access for everyone.

Determine the status of a document by its series and number in the PCA database

Checking the OSAGO policy for authenticity on the PCA website is convenient and simple. You go to the service and fill out the form:

  1. Choose the appropriate series (EEE or XXX) from the options offered by the system.
  2. Enter the number of the insurance contract.
  3. Go through the security check of entering the site by selecting the code from the proposed picture.

In the window that opens, the system will provide you with the necessary information and the status of the insurance policy:

  • "Located by the insurer" - the resource will give such an answer if the OSAGO agreement has been concluded recently, and information about it has not yet been entered into the PCA database. An interested user needs to wait a while or immediately begin to clarify the position if the contract is not new, but it is not in the database ...
  • "lost power" or "Lost" – the contract is invalid and there is a reason to apply either to the company to conclude another contract, or to law enforcement agencies to protect their interests.
  • "Located by the insured." Having received such a status upon request, for reliability, compare whether the data on the terms of insurance and the name of the insurance company that concluded the contract match. - If “Yes”, then the authenticity check can be considered successful, but given the resourcefulness of the world of scammers, it cannot be immediately recognized as reliable, because there may be a “double” with identical details on hand. That is why the PCA recommends another test, which will be discussed below.

What car is insured?

On the same resource, follow the link and enter data into the form. After processing the received information, the system will issue:

  • Registration plate of the car insured under this contract;
  • Body number or VIN number;
  • active or inactive;
  • The name of the insurance company that issued the document.

Having such information, the user compares the data with the available documents for the vehicle, and if they match, then there is no longer any reason to worry. If discrepancies are found in these data, a written request should be submitted to the insurance company with a request to investigate the cause of the discrepancy.

Only car number is known

The Internet resource of auto insurers also provided such an opportunity to check the policy, which is very valuable, especially in cases of a traffic accident, when one of the parties cannot clearly provide either the number of the contract or the date of its conclusion.

Go to the PCA service, enter in the field of the proposed form in Russian characters the data that you have. For example, it can be only a registration plate or a set of information, including: an identification number of a car and a registration plate, taking into account the region code, chassis and body numbers. In the first case, checking the policy for authenticity can be successful, but not always. Expanded information narrows the scope of the search, and therefore an accurate result is obtained.

The date matters

When filling out the online policy verification form, it is important to indicate only the date that is significant for the decision of your case. So, if you want to make sure that your contract with OSAGO is currently valid, then indicate the date of the current day.

And if you are resolving issues with a third party - a participant in an accident, then enter in the form the date when an unpleasant event occurred, requiring, for example, monetary compensation, because in such cases, the activity of the contract at that moment matters.

Other features of the RSA official website

There are cases when, in order to resolve a dispute, or correct errors found when checking a policy by a traffic police inspector, it is necessary to find out whether restrictions are included in the OSAGO contract or is it concluded without them? Such information is also important when a list of drivers allowed to drive a vehicle at a certain time is needed.

The request is included in the policy verification form, where the series and number of the driving license are entered. Recall that the driver's license of the Russian sample is filled with Russian letters. Where 4 alphanumeric characters represent the series and 6 digits represent the document number. If there is a tolerance, the system will confirm and respond to the request with a green field.

Note! Knowing only the series and number of the driver's license, it is not yet possible to determine the number of the policy in which it is listed in the list of permitted persons.

Note to the motorist

It is known that sometimes the reason for the refusal to pay insurance compensation, both to the injured party and the party guilty of an accident, is the fact that under the existing OSAGO agreement, the wrong car is insured. It should be noted that according to the Law “On OSAGO”, such actions of insurers are recognized as illegal even if there are duplicate policies, if the company has no evidence that the form was stolen. Therefore, even persons with an invalid policy have a fairly convincing chance of recovering losses in court, where it will be established that the contract was concluded and payment for insurance services was made in full. This was reported in the recommendations of the Supreme Court of the Russian Federation.

How to act in such cases? Having received a refusal to pay insurance compensation, an independent technical examination should be carried out with impeccable observance of the procedure for notifying the parties. Then send a claim letter to the insurance company, and then file a lawsuit against it. To resolve the issue, you can involve a lawyer (the costs will still be paid by the guilty party), or act on your own.

In conclusion, we recall what to do if it was not possible to confirm the authenticity of the policy on the PCA website?

In this case, you should submit an application to the insurance company with a request to conduct an internal investigation and attach a copy of the existing policy to it. Usually such a measure is enough, but some citizens have to seek justice by calling on the help of investigators from the competent authorities, who will have to establish why the concluded contract was invalid.

Checking the OSAGO policy in the PCA 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 auto insurance valid? There are several ways to do this. Let's consider each of them in more detail so that you can check insurance in various ways, including on the PCA website. After you check your policy, it will be possible to determine which car is insured under OSAGO.

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

  • Rosgosstrakh
  • Ingosstrakh
  • Alpha insurance
  • SOGAZ
  • Renaissance
  • Agreement
  • And also for other insurance companies that have a license for OSAGO.

Visual inspection of the policy

You can check OSAGO for authenticity by external factors. What should get 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 OSAGO insurance policy.

  • The size of the strict reporting form (BSO) for OSAGO itself is 5-10 mm longer than sheet A4.
  • The surface of the form is covered with PCA watermarks.
  • Numerous inclusions of red villi throughout the policy.
  • The reverse side of the BSO contains a vertical metal strip and figures of its number embossed to the touch.

OSAGO license check

Do not forget to check the validity of your insurer's license for the execution of OSAGO contracts. Insurance companies with revoked licenses on this page. Check the insurance company whose policy you have purchased to see if it is on the black list of insurers.

Check e-policy OSAGO

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

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

OSAGO policy for the authenticity of the PCA allows any insured who has this document in his hands. Authentication makes it possible to avoid damage from the actions of fraudsters.
To check the OSAGO policy in 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 on 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 motor insurance contract, only OSAGO forms of the KKK or MMM series are issued.

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

  • "is with 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 OSAGO insurance form for authenticity a few days after the conclusion of the contract.
  • "lost validity" - 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 work of the insurer.

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

2. Verification of information about the vehicle insured by the OSAGO contract. To do this, you must fill in information about the series of the form, enter its number and indicate the date on which data must be provided. After confirming the code, information about the insured car will be safely displayed on the screen: license plate and VIN code.

3. Verification "from the opposite": clarification of the policy number according to the car. For such a check, you will need to specify the VIN number, license plate number, body and chassis number of the car. When specifying a license plate, the region code is indicated at the end, all data is entered without spaces and additional characters. After specifying all the data on the page, information about the name of the insurance company, the number of the insurance form and the type of insurance contract will be displayed.

If an insurance contract is concluded with the admission to driving a vehicle for a limited number of people, at the second stage of verification, the system will offer to check whether a particular 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 were made to the policy data recently (1-2 days ago), they might not have had time to be displayed in the electronic system, so you should return to checking the information a little later.

In addition to the opportunity to check the OSAGO policy for authenticity, the PCA website contains a memo for motorists warning against scammers. In order not to become the owner of a fake auto insurance form, you should:

  • check whether the insurance company has a valid license for the right to carry out OSAGO on the website of the Bank of Russia;
  • draw up documents only at the sales offices of insurance companies;
  • check the documents of brokers and agents confirming their right to implement policies on the official websites of insurance companies;
  • do not purchase insurance documents through couriers who bring completed forms to your home;
  • do not pay for services in cash.

Information from a fake document is not transferred 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 an insurance payment and all possible financial costs are shifted to the driver. In accordance with the Criminal Code of the Russian Federation, the use of a fake policy and its presentation to an employee of the State traffic inspectorate is a crime.

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

You can check the OSAGO policy for authenticity only on the official unified database of the PCA. Provides such information, the database stores information about concluded OSAGO agreements, indicating which insurer the policy belongs to, when it was concluded and the validity period.

Check OSAGO by policy number

In the PCA database, you can check the OSAGO insurance policy by number, you can either use the electronic policy or break the OSAGO on a strict reporting form.

OSAGO policy statuses in the PCA database

Located at the insurer:- this statute means that the policy is registered with the insurer, may be in the hands of company representatives or agents. The policy may also be issued, but the data has not yet been entered into the PCA database. Data can be received from several minutes to several days.
Located at the insured:- means that the policy is issued and is in the hands of the insured. Be sure to check the date of issue and the validity period of the OSAGO specified in the PCA database, they must coincide with the OSAGO agreement.
The policy was not found: - there are three options for events, the first - they made a mistake when entering data, the second - the PCA database is temporarily not working, and the third, there is no OSAGO policy with such a series and number.
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 is applicable to paper forms. The form was printed in the printing house "Gosznak" and is not yet assigned to the insurer.
The policy has expired:- canceled, as a result of termination of the contract and the return of funds, or a change of ownership. It is also possible that the term of the OSAGO policy has expired or the action of which has been terminated due to non-payment of the insurance premium.
Policy expired:— the insurance was issued for a short insurance period of 3 months and not extended further.
Stolen: - when the form is stolen from an agent or insurer, the victim reports to the police and receives a coupon notification. Further, the data enters the RSA register. According to the stolen forms, the insurer is released from its insurance payment obligations.
Lost: - the insured has lost OSAGO, a new form with a new series and number has been issued in return. The insurer may lose the forms during the inventory, if any are found, it is obliged to draw up a register and send it to the PCA. With due process, the insurer on such forms is released from payment obligations.

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

Check the OSAGO policy for the authenticity of the PCA

We check the paper form of OSAGO strict reporting visually and with a view to the light:

1. The color of the blank 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 against the light, a 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 to the light: - RSA logo and 5 cars with an insurance shield;
6. Present with information.

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

Check the electronic OSAGO policy for the authenticity of the PCA

Electronic OSAGO insurance in electronic form is also checked according to the PCA database, it differs only in the series.

  • Electronic OSAGO has a series of "XXX" form and a special one.
  • The rest of the paper insurance policies have a series of "MMM" and "KKK"
  • The EEE series went out of circulation on July 1, 2018.
  • The series "BBB" and "CCC" are out of circulation and are invalid.

If the policy is in front of you, you can carry out a visual inspection of OSAGO. Pay attention to the following elements of the form:

  • The size of the OSAGO policy is slightly longer than a regular A4 sheet, by about 5-10 mm.
  • The entire area of ​​the policy must have PCA watermarks.
  • There are patches of red villi on the OSAGO policy.
  • On the reverse side of the policy, a vertical metal tape is clearly visible, and the convex numbers of the form number are probed with a finger.

Checking the license and power of attorney

Check the availability of a valid license of the insurance company to conclude OSAGO contracts.

An insurance intermediary, agent or insurance manager must have a power of attorney to conclude OSAGO insurance contracts.

How not to become a victim of scammers

After purchasing OSAGO, make sure that all the data (and not just the amount) in the application, policy and receipt are correct. Make sure that the seal of the insurance company is on the forms. The data on the original policy and the copy must match. Compare the name of the insurance intermediary in the policy, receipt and application - they must be the same.

You should be alerted by the underestimated cost of the policy: do not buy OSAGO if the cost is less than the officially established one.

Where do fake OSAGO forms come from?

Currently, OSAGO forms are highly valued by scammers. Fake OSAGO policies can be specially made. Such forms can be distinguished visually. Also, the forms can be declared as lost or not handed over to the insurance company, when the intermediary leaves the insurance company. Forms of insurance companies with a revoked license are also "left".

Check the electronic OSAGO policy for the authenticity of the PCA

Recently, electronic OSAGO has become actively distributed. OSAGO through the Internet tend to buy more and more people every day. But how not to run into scammers? Even buying an electronic policy on a supposedly official website does not guarantee the security of the transaction.

After purchasing a real electronic OSAGO, your policy automatically enters a single database. Necessarily check the authenticity of the electronic OSAGO policy for authenticity in the PCA. You can do it on this page above. The series for electronic policies is "XXX".

Checking the OSAGO policy on the PCA database

Enter 10 digits of the OSAGO policy number without a series and click "Check policy".