How to check the authenticity of CASCO by number
This method must be used at the time of registration of the policy and transfer of funds. If similar agreements were concluded before, then the old form can be used as a sample. If the process is being performed for the first time, it is important to pay attention to the front side of the paper. The document must contain:
- number;
- date of registration;
- exact personal data of the policyholder;
- information about the beneficiary;
- vehicle parameters;
- list of drivers allowed to drive;
- range of risks;
- maximum payout amount;
- methods for compensation;
- method of payment of the insurance premium and its amount;
- presence of additional conditions;
- signatures of the parties and company seal.
The print mark must be clear, without blur, unreadable elements, restrictions or stippling. These signs may indicate that the print image was obtained through the printer.
In addition, the insurance company employee must issue a receipt for payment and a small book with insurance rules. This last document is important because insurance is constantly changing. And payments are made in accordance with the rules in force at the time of signing the agreement. All this should be kept during the policy period and provided to the company in the event of an insured event.
External signs of a real CASCO policy
Since comprehensive insurance is not a compulsory form of insurance, the state does not impose strict requirements for the policy. However, the policies of most insurers have some features that you should pay attention to:
- Special paper with security properties (fibers, watermarks)
- Barcode that can be used to find policy information
- Full legal name, details and logo of the insurance company that issued this document
- Full information about the drivers and the vehicle for which the policy is issued
- Full calculation of covered risks, amount and form of compensation
- Stamp of the insurance company and signature of the agent who issued the certificate
Before signing a CASCO agreement and making a payment, compare the information about the insurer specified in the document with the data available on the company’s official website or in the Central Bank database.
Check CASCO policy online
If you have doubts about the authenticity of CASCO insurance, some time after the conclusion of the contract, you can use the Internet. To do this, go to the official website of the insurance company. It is important to search manually and not use contact information from the policy. If the paper was indeed issued by scammers, then the organizers of the shell company were able to take care of the deception site.
In the window that opens, enter a unique set of numbers and letters that make up the document number. If the database has confirmed the validity of the document, the process is completed.
RESO-Garantiya
Rosgosstrakh
Ingosstrakh
If there is no policy number in the system, you first need to take actions aimed at eliminating a failure in the system or the site using an old database. To do this, you should visit the company’s office or contact a specialist by calling the hotline. You should not expect the operator to provide information directly during the call. He may report that the data is not displayed, recommend refusing the purchase, or encourage you to visit the security service or the official office of the company.
Methods for checking a CASCO policy
Often, insurance agents offer drivers to purchase a CASCO policy on favorable terms with delivery directly to their home. Before agreeing to such offers and using the services of fake insurers, you need to make sure who is offering you to purchase CASCO - a real licensed company or an offender. Thanks to Internet technologies, car owners can do this themselves. You can check the authenticity of the policy by number or identify a fake by visual inspection.
On one's own
CASCO is a type of voluntary insurance, so there is no special sample form. This may be why criminals manage to mislead car owners by selling fake policies. Before concluding an agreement with an insurance company, it will be useful to familiarize yourself with the appearance of the document. The official form must contain information about:
- the insured vehicle and its owner;
- the territory in which the policy is considered valid;
- list of insured events, risks (theft, damage);
- insurance amount;
- persons who are authorized to drive a car;
- the period of validity of the contract;
- additional terms of service;
- details of both parties to the transaction.
The discount on insurance contracts usually does not exceed 20% of the total cost of the policy, but this is allowed only in extreme cases. Even if you are offered to reduce the price of insurance by 10%, you should be wary. Most likely, the insurance agent is a scammer.
The CASCO policy should be checked based on the quality of the paper used and the presence of protective elements:
- textile or polymer fibers, watermarks;
- a color drawing must be present on both sides of the form;
- filigree;
- SK corporate logo, on which the details are depicted in one color and without errors;
- unique branded barcode;
- original company seal;
- handwritten signature of an authorized person or manager.
If any of the above is missing, then the document is fake and has no legal force.
Along with the CASCO policy, the car owner is given a payment receipt, which has its own original series and number, different from the policy details. The receipt belongs to a series of strict reporting forms in the same way as the policy. When insurers do not issue it, but claim that conditions have changed, do not believe it. In addition, the policyholder receives a copy of the contract with the terms and conditions of insurance. You should read it carefully to ensure the accuracy of the information provided and the correctness of the document.
If, after a visual inspection, all the protective elements are in place, and the information is completely true, then, just in case, you need to additionally check the authenticity of the CASCO insurance by number.
Check by number
It is advisable to check before purchasing. Before you pay money for insurance, you need to go to the official website of the insurance company and see information about the availability of such a form in the registry. If this procedure cannot be completed, then you need to write down the contacts of the agent from whom the policy was purchased, and then immediately after payment, carry out an authenticity check.
The ideal option is to make a transaction in front of witnesses or record the entire process on a video camera. This way you can relieve yourself of responsibility if you are accused of collaborating with scammers.
Each insurer has its own database with the numbers of all issued insurance forms. Today, every car owner can check the authenticity of a CASCO policy by number on the insurance company’s website online.
There are three ways to do this:
- Through the register, where information about issued and counterfeit forms is published.
- Fill out the online form to provide information about a specific policy.
- Use your personal account if the IC service is not equipped with a verification system by number.
It is not recommended to use third-party resources, since they publish information in the public domain, which can be corrected. In addition, the data obtained in this way has no legal force and cannot be used in court.
To check CASCO online using the database on the company’s website, you need to enter the following information:
- details of the insurer who sold the policy;
- form number;
- date of signing the contract.
Here are a few examples of checks on the websites of various companies providing CASCO insurance services.
SK Ingosstrakh
This company offers its clients to check policies for authenticity in their personal account. Registration on the Ingosstrakh website is not required. You need to click on the tab labeled “Individuals” and enter your data and information about the policy in the form that opens.
If the document turns out to be original, the system will provide information about the client’s data and the date of conclusion of the contract. If the document is not detected or a different message appears, then it is a fake.
Rosgosstrakh
Policies issued by Rosgosstrakh receive particular attention among scammers. This is due to the increased popularity of this type of insurance. But still, establishing the authenticity of CASCO by number in Rosgosstrakh is the most reliable and proven method of verification. Each insurance company maintains a single electronic database with policy numbers. Access to it for scammers to make changes is blocked.
It is more convenient to carry out the check through the website, since, for obvious reasons, insurance companies do not provide such information over the phone. If you do not have access to the Internet, then contact the insurer’s security staff, who will provide all the necessary information on a specific policy.
To check through the site, you will need to log into your personal account, but first register. The login password is sent to your email address. In the account, the user receives the necessary information about all previously concluded contracts. On this page you can also check the authenticity of the purchased CASCO policy.
VSK
VSK offers on its website a quick and convenient check of CASCO policies. To do this, go to the “VSK online” section and use the “Check Policy” function. In the window that opens, a message will appear that the client has access to check OSAGO, Green Card, OPO and VHI policies. The system shows results for CASCO too. If for some reason the information is unavailable, you can personally contact the insurance company office.
What a real policy should look like
Some car owners prefer to save time by ordering CASCO insurance online with home delivery. In this case, the authenticity of the document should be checked at the time of its delivery by courier. You should be wary if the policy looks like a regular printout from a printer.
To protect their product, insurance companies resort to several methods of protecting policies. They must be printed on paper containing security fibers and watermarks. A mandatory component of the document is the handwritten signatures of the parties, as well as the affixed company seal.
When accepting a policy, you should carefully read the information. It is important to check the correct spelling of your last name, first name and other passport data, vehicle parameters, terms of payment and the maximum amount of compensation. All information must be complete, accurate and correct.
Another criterion confirming the legality of the process is the provision of a complete set of documents. If the courier refuses to provide a receipt, check or rules, you should not accept the policy from him.
How to check OSAGO for authenticity
With compulsory insurance, the situation is much simpler. The MTPL agreement has an official form that is not subject to modification. In addition, to confirm the authenticity of the document, you can go to the official website of the Russian Union of Auto Insurers and enter the details of the form and the contract itself. If the check using the PCA database did not produce results: the contract was not found, lost or issued to another person, then it is not worth continuing cooperation with this company. Information about the agent or company should be provided to law enforcement agencies to suppress their activities. Before taking drastic measures, it is recommended to check the correctness of the entered data again. Often, typos are discovered during input that prevent the correct result from being produced. Using the vehicle body number or VIN on the website you can find out the following information:
- how many people are included in the insurance contract;
- whether the owner is registered (you will need to provide driver’s license details);
- duration of the policy;
- policy status (valid, suspended early, expired);
- information about the insurance company with which the contract was concluded;
- type of compulsory motor liability insurance (with or without restrictions).
Compulsory motor liability insurance verification form
Based on the vehicle number, limited information is issued that came from the company that entered into the contract. Documents in the system are updated within 5 working days. The RSA website additionally has a CASCO calculator, which allows you to check the cost of insurance. The service was created to protect consumers from dishonest companies. The car owner should know that checking a CASCO policy using the PCA database only makes it possible to recalculate the cost of the policy. It is impossible to confirm the existence of a document in this way.
What to do if the policy turns out to be fake
In some cases, verifying the authenticity of a document is difficult. This happens if the fraudster uses the original form. It may be a copy of a real policy issued to another policyholder. Or the company letterhead somehow fell into his hands. It is easier to make a mistake if you are applying for CASCO insurance for the first time. Therefore, sometimes the truth is revealed after the agreement is signed and the money is transferred.
If during the validity period it is discovered that the policy is fake, it is unacceptable to continue to use it. Such an act is punishable by a fine. If a violation of the law is detected, you should provide the documents in hand to the police and the insurance company. In addition, you should provide all available information about the circumstances of the purchase and the external characteristics of the seller. Authorities authorized to do so will search for the perpetrators.
At the same time, the contract is declared void. Financial compensation should be expected if the criminal is found. In accordance with the procedure established by law, damages for the counterfeit policy will be collected. If you want to use CASCO, you will have to re-enter and pay for an agreement with the insurance company.
Where to buy an original CASCO policy
To avoid meeting with scammers and not to suffer from their actions, you should carefully choose the point of concluding the contract. It is better to contact the office of a company that deals with this type of insurance. If the contract is concluded through an intermediary, this must be a truly trustworthy person. Unfortunately, there have been cases when purchasing CASCO insurance through an acquaintance resulted in serious problems.
Using alternatives to working with an insurance company's office or official website may seem attractive due to the lower cost of the policy. The organizers of shell companies take advantage of this. Therefore, buying a cheap CASCO insurance that turns out to be a fake will be associated with serious financial losses, which will be several times greater than the benefit received.
After discovering the fraud, you will have to pay for the policy again. The money spent on buying a counterfeit can be completely lost if the criminal is not found and brought to justice. And, if repairs are ever made under the policy, the car owner will have to return to the insurer the funds spent on paying for the service.
Checking the AlfaStrakhovanie OSAGO policy by number
To enter the RSA database, you must have access to the Internet. You can log in from a tablet, smartphone or computer. The check is available on the website of the Union of Insurers - autoins.ru. You can also use the form below:
The report shows that the contract expired on February 27, 2020. It took us no more than 5 minutes to complete the entire operation of checking the compulsory motor liability insurance policy using the number from IC AlfaStrakhovanie. Sometimes there may be delays or failures in the operation of the portal. This is due to high loads on the server. It is recommended to wait 10–15 minutes. and try again.
