Each contract for compulsory motor liability insurance that was concluded starting September 1, 2014, recorded in the Unified System of the Russian Union of Auto Insurers. Any insurance company, after signing the contract, is required to download information no later than 1 business day. Thanks to this, anyone can check the MTPL policy for authenticity. This will avoid problems due to the actions of attackers.
Each policyholder has the opportunity to find errors or typos in the policy, as well as find out whether the insurance is genuine or counterfeit. This will help you receive payments and avoid becoming victims of fraudulent activities.
How to independently determine the authenticity of a policy
You can check the reality of a paper version of an insurance policy quite simply - this can be determined visually. But to check e-OSAGO you will have to use the Internet.
Paper
In order to be sure of the authenticity of the insurance, you need to know the characteristics that the original must have:
- The paper should be thick, have red fluff on the front side, and a protective metal strip on the back side.
- The size is approximately 5 millimeters larger than an A4 sheet.
- Filling must be done exclusively by machine.
- The certificate form was printed by Goznak JSC; this is written at the bottom of the form on the front side.
- The RSA watermarks can be seen in the light.
- The paint does not wear off.
- The insurance company's seal is clearly visible.
- The certificate has a QR code.
To read a paper certificate using a QR code , you need to install a special application on your mobile device.
Electronic
An electronic MTPL policy may be invalid under the following conditions:
- A personal account was not created at the time of concluding the contract.
- The payment to the insurance agent is transferred to a personal card or electronic wallet, and not to the organization’s current account.
- The email with the policy was not sent from the insurance company's address.
- The letter does not contain insurance rules, instructions for checking validity, or accident notification forms.
- The policy does not contain an electronic signature.
Checking the policy for belonging to the insurance company
This is one of the surest ways to figure out a fake MTPL policy, since fake MTPL policies often do not belong to insurance companies or are listed as lost or deleted; policies with this status are naturally not valid, but fortunately, using the policy verification service below, you can easily calculate unscrupulous insurer! In addition, the service will be useful to insurance agents who keep records of hundreds of policies and often need to find out which insurance company owns the policy.
How to check whether a policy belongs to an insurance company
To check the MTPL policy for belonging to an insurance company, you need to pick up the policy, then in the upper right corner on the first back, find the series and policy number, the series consists of three repeating letters (for example, EEE), followed by the policy number. The series and policy number must be entered in the appropriate fields in the form above. After this, you must enter the security code.
Problems with checking the policy for ownership
It happens that it is not possible to check a policy through our service - it’s not our fault, the problem is on the PCA side, usually the check starts working within an hour. Sometimes it happens that you entered a security code and the service writes you InvalidCaptcha - click on the reload image button and try again. Most often, this problem disappears the second time.
Result of checking
As a result of the check, the system will produce a table with data loaded from the PCA database. The table contains the following fields: Insurance company, Policy status, Contract date and Policy validity period. Check example:
| Series and policy number | EEE0345589982 |
| Insurance Company | ROSGOSSTRAKH |
| Policy status | Located with the policyholder |
| Date of conclusion of the contract | 29.09.2015 |
| Policy validity period | from 09/29/2015 to 09/28/2016 |
Where and how to check your insurance for authenticity
It is useful for every car enthusiast to know how to check the authenticity of an electronic OSAGO policy. To do this, you need to go to the website of the Russian Union of Motor Insurers, where you do not need to register.
The action plan is:
- Select the “ MTPL ” section on the page.
- Go to the page "Checking the MTPL policy».
- Record information in the form.
- Enter the captcha to complete the verification.
- Click on the button "Search».
In addition to your own insurance, you can check the availability of insurance from another participant in a road accident, and also find out the list of persons who are allowed to drive a vehicle under this agreement.
The policy can have several statuses:
- Is located with the policyholder (that is, information about him has not yet been transferred to the RSA).
- Lost.
- The insurance period has expired.
- Printed, but not yet submitted to the insurance company.
The only resource from which information can be used in legal proceedings. It allows you to check the validity by the policy number, as well as by car data.
How to find out if information is in the RSA database?
Checking the policy against databases is a prerequisite when purchasing it. After all, an increasing number of contracts are concluded based on applications via the Internet and there is no one hundred percent guarantee that the brought policy is unique.
Therefore, the authenticity of the document is checked through the automated website of the Russian Union of Auto Insurers (RUA) located at www.autoins.ru.
The reconciliation is best done in several ways presented on the website to make sure that the policy is registered on the vehicle of a specific car owner (can you check by last name?).
How to find yourself in the RSA database? There are three methods for identifying the authenticity of a contract:
- Checking the status of the form by its number (is it possible to find out the owner of a car by the policy number?).
- Checking the car using the form number.
- Verification of the insured person using the VIN code of the vehicle.
The first option does not provide accurate data about the correctness of the policy purchased on the Internet. In the form on the website, enter the series and number of the issued form (paper, electronic) and find out the status of the insurance and its coverage period. The inspection is carried out several days after purchase. This time is allotted for issuing a policy and entering data into the database.
In this case, the following responses from the information system are possible:
- status “is with the policyholder” (valid);
- status “is with the insurer” (under inspection);
- status “lost” (invalid);
- status “printed by the manufacturer” (not transferred to the insurer).
To make sure that it is not a duplicate of the original (stolen form) issued, the car itself is checked against the issued certificate.
The second method requires entering the form number and the date the request was made . This method allows you to find out information about the owner’s vehicle (license number, VIN, body number) and detailed information about the invalidity status of the policy. For example, why it was terminated early or simply lost.
The third option allows you to check the details of the insured driver for a specific vehicle. To do this, enter three numbers on the form - VIN, state registration and chassis. How to find out where a car is insured? Also, this request will reveal the insurance company, policy number and its type (limited/unlimited).
According to state car number and VIN
You can also check using the vehicle data. This helps determine whether you have insurance, as well as which insurance company issued it.
To check, you need to enter the state number, information from the PTS and STS. By indicating the last name, first name and patronymic, as well as the date of birth and driver’s license number, you can determine whether the driver is included in the insurance.
How to find out the number?
However, what to do if you need information about transport insurance, but you don’t know the policy number. A logical question arises: is it possible to find and find out the MTPL policy number and other data by the owner’s last name?
Unfortunately, one last name is not enough, since this is not unique information and the policyholder may have more than a dozen people with the same last name. But if, in addition to your last name, you have, for example, a vehicle number, then you can also find the insurance policy number (how to find the policy number by car number?).
Search instructions:
- Go to the website of the Russian Union of Auto Insurers (RUA) www.autoins.ru.
- Go to the "MTPL" tab.
- Select the item “Information for policyholders and victims.”
- From the list that appears, click on “Information for victims and other participants in an accident about the existence of a valid MTPL agreement in relation to a specific person or vehicle.”
- In the request form that opens, enter the available information and click on “Search”.
If the car whose number you entered is insured, the system will issue the number and series of the contract, the name of the insurance company, as well as the number of people allowed to drive this car. Thus, you will receive an insurance policy number, and then using the same PCA database, you will be able to check its authenticity and validity period.
We wrote about how to find the policy number using a driver’s license here.
By last name
If at the time of the check you do not have the policy in your hands and its number cannot be clarified, and you urgently need to find out its validity period, you can use a personal data check.
To do this, on the website of the regional compulsory health insurance fund, instead of a number, you must enter the last name, first name and passport or birth certificate details of the insured person.
The result will also include information about the insurance company and the date the policy was received.
If no information is found, this means that the document is not valid and needs to be replaced.
It is worth noting that not all regional funds provide the ability to check the compulsory medical insurance policy using the passport details and name of the insured person.
Checking the policy: information about the insured car
It may be necessary to check the MTPL policy to see which car was insured under it, but the policy number and series actually exist. For example, if you purchased the wrong MTPL policy but don’t know about it. In this case, checking the policy above will give a completely normal result, and the system will show that the policy really exists, but not everything is so simple, the policy will exist, but the car will not be yours, naturally, when checking such a policy at the traffic police post, you there will be serious trouble. Therefore, you should check the policy in the form below.
Check OSAGO policy
Using this verification service is very simple, you just need to pick up the policy, find the series and number, and enter the data in the appropriate fields. Now you need to fill in the field - the date the information was received. This is the date on which the status of the OSAGO database will be displayed. That is, if you are interested in a car that is registered under this policy as of today, then feel free to enter today’s number in the format DD.MM.YYYY (for example, 10/02/2016). After that, enter the security code shown in the figure and click check.
Car policy check result
As a result of the check, the server will provide the necessary information on the policy, namely the insurance company which owns the policy, the status of the policy (valid/not valid) and most importantly, the state number of the car (if it was at the time of insurance) and the VIN number of the car (it is always displayed) Below is an example of a policy check. This way you can find out the state number or VIN number of a car by series and insurance policy number.
| Government number | A092AP126 |
| Insurance Company | ROSGOSSTRAKH |
| Policy status | It does not work |
| VIN number of the car | JSAJTD54V00303486 |
Checking the readiness of the policy
A new compulsory medical insurance policy is issued within one month. For this period, the client is issued a temporary document.
This is a document that has the same force as a permanent policy. It also provides all medical services included in the mandatory list free of charge, but it is valid only until a permanent document is received.
In order to check at what stage of production the new policy is and when it can be received, you need to know the temporary number.
To do this, on the website of the territorial compulsory health insurance fund, you must enter the number of a temporary document consisting of nine characters. Upon request, all information about the readiness of the new policy will be provided.
You can also obtain this information by knowing the passport details and name of the insured person.
