Car owners or people who just want to buy a car should be vigilant and check the availability of an MTPL policy for the car. This action is very important because it allows you to identify fraudsters when selling a car, protect yourself from breaking the law, or correct incorrect information about the car. More details on how to perform the check are described below.
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How to check if a car has compulsory motor liability insurance
There are three ways that allow you to check your current MTPL insurance policy for a car and find out its current status as of today:
- entering information about the contract number on the RSA website;
- entering information about the contract number on the RSA website indicating the period;
- entering information about the vehicle.
Entering information about the contract number on the RSA website
To check your policy using this option you must:
- Go to the website where the availability of car insurance is checked online in the RCA database.
- Go to the page to view the current OSAGO policy form.
- Check the contract number that you have and enter information about it in the appropriate fields.
- Select the series of the form in the field “Series of the MTPL policy form”.
- Indicate the form number in the field “Compulsory motor liability insurance policy form number”.
- Enter the captcha to confirm the security check.
- Click on the “Search” button.
After this, a database check will be performed, which will allow you to obtain information for the current year. It is performed for policies of different types (paper, electronic).
Statuses for found policies can be as follows:
- “Printed” - the document was produced, but was not even transferred to the insurance company yet - the document was given to the client. Information about such policies has been successfully entered into the RSA database;
- “Hosted by the insurer” - the document remains with the insurer or has already been purchased by the buyer, but this was quite recently and the information in the system has not had time to be updated;
- “No longer valid” - the document is expired, it is recommended to update the policy in the near future;
- “Lost” – applies to policies that have been reported missing.
This method allows you to quickly find out whether the car is insured. But it also has disadvantages :
- the need to connect to the Internet to access the database;
- there is no complete certainty that information about a fake policy was not entered into the database;
- overload and slow search for the necessary information in the database, since due to the large amount of data, the database periodically freezes. The duration of freezing and processing of information can reach more than one day.
Entering information about the contract number on the RSA website indicating the period
To check your policy using this option you must:
- Go to the website where the policy is checked.
- Enter policy information (series, number).
- Indicate the date for which you need to obtain information.
- Enter the captcha.
- Click on the “Search” button.
In the search results, in addition to general information about the policy, additional information will be provided. For example, you will be able to read about the exact reason why the insurance is not valid.
Entering information about the vehicle
This method is the reverse of the previous two. In order to check this way, you must:
- Go to the website where you enter information about the vehicle to check your MTPL policy.
- Provide information about the car:
- VIN number;
- GRZ;
- body number;
- chassis number.
- Select the date for which you are interested in information.
- Enter the captcha.
- Click on the “Search” button.
After this, information will be received about the insurance company that issued the policy. When choosing a date, you can find out the MTPL numbers for previous years and request that the information be corrected if an error was found in it.
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What will be required for verification?
The document is inspected, all information about the insurance company, the vehicle and its owners, if it is used, is specified. To check, you will need the policy itself and a computer with Internet access.
Step by Step Actions
When independently examining a document, the following actions are performed:
- attach it to a standard landscape sheet and make sure that it is one centimeter longer than it;
- on the outside of the original there is a green-blue mesh, and on the inside - a metallic one;
- when held up to light, the RSA logo should be visible;
- upon careful examination, small red dots are visible;
- when in contact with surfaces, ink should not remain on them;
- convex number application.
Check by RSA
The Russian Union of Auto Insurers is an organization that includes all insurance companies selling MTPL policies. After the sale, each insurance will be entered into the RSA database.
You can check the authenticity of the policy online on the RSA website.
Its number and series are indicated, and then the system will display the following data:
- type of bank issued by the insurance company;
- its location;
- date of conclusion of the extradition agreement;
- start and end dates of its validity.
The company listed on the policy must match the company that will be listed as a result of the inspection. Otherwise it will be considered invalid.
Checking with third-party services online
To check a document via the Internet, it is not necessary to go to the RSA website. There are special services with which you can perform such a check: “Osago online”, “Gosavtopolis” and others.
With their help, you can check your insurance by car number and series, but also by other parameters. The same base is used everywhere.
Belonging to an insurance company
Thanks to the check, it becomes clear whether the insurance belongs to the company where it was issued. When purchasing, it is advisable to clarify whether it has a license to issue such documents. If a company's license is terminated or temporarily frozen, the certificate will be considered invalid. The data entered into the policy should also be taken into account. If third parties are included in it or other changes were made, they will be reflected in the RSA database within 5 days.
Information about the insured car
Checking online allows you to clarify what type of policy was issued to whom and by whom. You can find out which vehicle is insured under it, whether it was acquired honestly by the previous owner, and whether it has a criminal record.
Other checks
You can check a car not only by the number and series of the policy, but also by VIN; for this purpose, the technical inspection database is used. The new owner should be wary that the car regularly underwent maintenance in different regions of the country.
The policy also has a 2-dimensional QR code. Verification is also possible with its help. A smartphone camera with a pre-installed application is pointed at the code, and then the person gets access to the necessary information.
How to find out the owner by OSAGO policy number
In order to avoid problems, you need to check who owns the policy. You can find out who the MTPL policy was issued to by using the policy verification methods given above. A website with a PCA database or contacting an insurance company will allow you to obtain all the necessary information about the user of the car.
To obtain information about the owner through the insurance company, you need to visit the company’s office with a passport and information about the policy.
In order to find out who is registered with OSAGO by policy number, you will need to use the RSA website:
- Go to the website with the database.
- Enter the policy number. In the database, you can check when entering various data, for example, the owner's last name. But if it is incomplete or incorrect, then the search results may not yield anything. At the same time, searching for the owner by OSAGO policy number is very simple and comprehensive.
- View the information you need.
By looking at the results that the system will give after completing the search, you will find out who the policy is issued to.
How to get a policy: step-by-step guide
So, let's analyze what needs to be done to get a compulsory medical insurance policy.
Stage 1. Decide on a company.
Often the choice is made based on a simple principle: whose office is closer to home, that’s where they go. This, of course, is not entirely correct. Insurance conditions may differ significantly from company to company. Therefore, pay attention to the company’s experience and the possibility of receiving competent advice.
Stage 2. We are collecting documentation.
Be sure to prepare:
- SNILS;
- Passport;
- Child's birth certificate (if he is under 14).
To get policies for the whole family, each person from it does not need to personally visit the office. The father can obtain the policy by providing documents from his family members and a written power of attorney.
A foreign citizen must confirm registration in the country of residence. Refugees provide either an identity card or a certificate from the Federal Migration Service.
Stage 3. Write a statement.
It is drawn up on a special form, which is issued at the office of the insurance company. You just have to fill out the form without errors or blots.
In some companies, specialists fill out the form themselves; you only need to sign.
Stage 4. Signing of papers.
At this stage, after familiarization, an agreement is signed. Then all the papers are sent to specialists for processing.
Stage 5. We receive the policy.
On average, the policy is prepared a month from the date of application. For this period you will receive a temporary policy. If necessary, it will completely replace the main one.
When the document is completed, a representative of the insurance company will call you or you will receive an SMS. This means that you can obtain your policy from the insurance company and use it if necessary. There are no restrictions on validity period.
How to find out where your car is insured
To obtain such information, it is enough to use the RSA database. In order to find out which company insures the car by insurance contract number, you will need to enter the relevant information about the number in the required fields on the website, according to the instructions indicated above.
After this, all the key information about the insurance will be displayed, where you can also see who issued the insurance policy.
In addition to the method above, similar information can be obtained from the state. car number. You can specify information about it instead of the contract number.
Is it possible to find out the car number using the MTPL policy?
You can get information about whether a car is insured or not if you know the contract number. When you enter information about it on the RSA website, all the key information will be displayed. It will also include vehicle license plate information.
This is basic information that every motorist should know in order to avoid problems with the law.
It is recommended to check car insurance information in a timely manner, because an expired or falsified policy is a direct violation of the law, often leading to criminal consequences. And even if the new owner of the car did not know about it, this ignorance will not free him from responsibility and fines.
How to get money from insurance
If the car owner was involved in an accident not intentionally in order to receive payments, then he can fully count on compensation within the insurance limit. To do this, he needs to collect the papers specified in the contract and, within 5 days, submit it along with the car to the company that insured the culprit. Compensation is made by paying for repairs, treatment or transferring the amount of damage. In the event that the amount of damage to material assets exceeds the limit, the missing amount is recovered from the perpetrator through the court, and he himself may be subject to recourse.
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Thus, if the PCA website writes that the policy is with the policyholder, this means that everything is in order with him. The document is genuine, you just need to figure out where it is.
