How to check the insurance policy. Is it possible to find out the owner by the CTP policy number and how to do it
You can do this in two different ways - using the Internet and during a visual inspection. Both options won't take much of your time. You can check without leaving your home.
Through the Internet
Authenticity can be found online. There are two main resources for this - the Rosgosstrakh database and the PCA website (Russian Union of Motor Insurers). Let's talk about these methods in more detail.
Based on an insurance company
Every legal document has individual number, which consists of 10 digits. It is with his help that the policy is checked. It must be written in the appropriate field, and if the document is officially registered, the site will provide information about it.
Via the RCA website
The car owner must indicate the series of options offered to him and the contract number. In addition, to check the document, you need to confirm the security code (enter the characters from the picture).
If everything is done correctly, a new window will open in the browser, where all the important information about the policy will be presented.
If the document is valid, then it must have the following status: "Located by the policyholder." You should also check that the term of insurance and the name of the insurance company match.
Sometimes, immediately after the insurance is issued, the system shows the following status of the document: "Located by the insurer." There is no need to worry about this. Most likely, the information has not yet been entered into single base. If you received the policy a long time ago, but its status does not change, then you need to contact insurance company and find out what's wrong.
There are also such statuses as "Lost" and "No longer valid". In this case, it is worth worrying, as this indicates that your policy is invalid. To solve the problem, contact not only insurance company but also to the police. However, once in such a situation, the owner of the vehicle will still have to buy a new policy.
Online verification of the policy using the services described above allows you to identify fake documents, but it will not be able to protect against a duplicate. If scammers sold you a policy with a number that is already in the database, the system will still show you that the document is currently in the hands of the insured.
Finding out whether this is actually the case will no longer be so easy, because the terms of insurance, as a rule, will also coincide. In this case, it is recommended to find out which car model was insured under this policy.
After processing your request, the site will display the following information:
- car insurance registration plate;
- VIN number or body number;
- the name of the insurance company in which the contract was concluded;
- document status.
To check the policy, just carefully check the data in the database with the information in your documents.
IMPORTANT! If you were given a duplicate policy, then the data regarding vehicle to which the document is registered do not match.
Visually
The OSAGO policy must meet certain requirements. Knowing them, you can distinguish the original from the fake. It won't be too hard to check.
To make sure that you have a real document in front of you, pay attention to the following parameters:
- The length of the form should be 306-307 mm. The OSAGO policy is almost 1 cm longer than a regular A4 sheet.
- On the front side of the document, you can see a blue microgrid, but it can also be with a greenish tint.
- When checking the watermarks in the light, you can see the emblems of the PCA.
- On the reverse side the certificate must have a white metallized strip. It is not difficult to consider it. She is on the right. The thickness of the strip is about 2 mm.
- Over the entire surface OSAGO policy you can see blotches of red color that resemble villi.
- Genuine documents are printed using high quality inks. It should not be imprinted on the fingers.
- The policy number, which consists of 10 digits, as well as its series, must be embossed to the touch.
Since 2018, insurance companies have no right to issue old-style forms with the EEE series. Since July 2018, the KKK and MMM series has been relevant.
Below is new pattern insurance policy OSAGO:
Front side
Back side
What is the difference between real and fake?
Original forms, unlike fake ones, are issued with Goznak. They consist of two sheets. The sheets of the policy should not differ from each other in color, saturation and brightness.
The absence of watermarks, fuzzy printing and other shortcomings should alert the car owner.
In practice, fraudsters in our country often do not print policies on their own, but sell supposedly genuine documents of those companies that are already bankrupt. To avoid trouble and not run into scammers, take out OSAGO insurance in trusted organizations.
In addition, do not be fooled by the reduced price of insurance. On the contrary, it should alert. The price of an OSAGO policy in all insurance organizations is the same. It is prohibited by law to change it.
Don't forget to check the list of active insurance companies. If today one of them is considered the leader, then tomorrow it may go bankrupt.
What should be kept in mind when examining paper for authenticity?
Step by step instructions using the car number
If you have an original OSAGO policy in your hands, then the system will have to issue the following information:
- number and series of a valid OSAGO agreement;
- the name of the insurance company where the document was issued;
- data about drivers who can use the insured car.
Conclusion
When you are going to issue an OSAGO policy, be extremely careful. Sign a contract only with a trusted insurance company. Remember that the miser pays twice. Do not trust ads that offer insurance at a reduced price. Anyone can deal with scammers. If this happens to you, contact the police immediately.
Increasing cases of counterfeiting OSAGO forms, as well as the use of those considered lost or issued by an insurance company, which subsequently had its license revoked, led to the development of a PCA service to check their validity. The opportunity to check the OSAGO policy for authenticity online is provided to everyone without restrictions. This allows you not only to check your insurance, but also the policy of a third party who caused harm in an accident. AT this article all ways to verify the authenticity of the form will be analyzed, as well as advice on what to do if it turned out to be fake and not in the database.
How to check the authenticity of the OSAGO policy?
Thanks to modern technologies, checking whether the OSAGO policy is valid is not difficult - you can do it yourself. You can check directly at the conclusion both by visual signs and by the compliance of the information specified in the contract with reality. Among the visual signs, you should pay attention to the following:
- the size of the form is larger than A4 (the difference is about 1 cm);
- the presence of watermarks of protection with the logo of the Russian Union of Motor Insurers, as well as the presence of multi-colored villi throughout the entire area of the form;
- the presence of a soldered metal strip along the left edge, which penetrates the form along the entire length;
- the policy number must contain exactly 10 digits, while the series for printed ones must currently be EEE (until May 1, 2015, the CCC series was in effect) or XXX for electronic ones.
In addition, it is necessary to control the filling of all information, and in cases where specific items are not to be filled out, they must be crossed out. The amount of the insurance premium indicated directly in the form must match the amount actually paid and correspond to that written out in the receipt, which must be issued without fail.
An important role in the validity of the policy is that the insurer has the authority to conclude OSAGO contracts. This right is confirmed by a special license, which must be valid at the time of registration, that is, it must not be revoked or suspended.
Checking the form by number
The simplest and most accurate way is to check the OSAGO insurance policy online in a specially designed form on the PCA website: To check, it is enough to indicate the series to be selected from the proposed options and the contract number, and also pass a security code confirmation check - for this you need to specify the code from the picture (each time the system issues a new confirmation code).
If everything is done correctly, a new window will open, which will contain information regarding the specified policy contained in a single database. The status “Located by the insured” is considered correct, while the term of insurance and the name of the insurer must match the one issued at the conclusion.
When making a request immediately after the conclusion of the OSAGO contract, the system may issue that it is "Located by the insurer" - in such a case, you should not panic. This is due to the fact that the employees of the insurance company did not confirm the conclusion of the policy in the system. If such a status is listed for a form issued a long time ago, then you should contact the insurer and clarify the situation.
The statuses "Lost" or "Invalid" should cause concern, since they indicate that the contract is not valid at the date of verification. In this case, you must contact the insurer and the police. In any case, you will have to purchase a valid policy again.
The method described above for checking an OSAGO insurance policy online has a high percentage reliability, but will not protect against a duplicate, since the base will also issue the status “Located by the policyholder”. It is quite difficult to determine a duplicate - scammers issue them with identical terms of insurance. If you suspect a duplicate on the official website of the PCA, you can also check which car is insured under a specific policy at the following link: dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm
After entering all the required information, including specifying the date of the request, the following information will be generated below the request form:
- registration plate of the insured vehicle;
- VIN number or body number;
- contract status;
- name of the insurer.
It is enough just to check the data from a single database with a printed form and documents for the car. The policy is a duplicate if the information regarding the vehicle does not match. In this case, it is necessary to act in the same way as with the status "Lost" or "No longer valid".
How to check the online OSAGO insurance policy by car number?
There are situations in which it is necessary to find out not only information about whether the car is insured or not, but also the number of the form itself. For example, when it is lost, and in order to restore it, you need to contact the insurer and provide the policy number, or when participating in an accident, if the culprit did not provide OSAGO, then you can check whether his car is insured or not.
Finding out about the existence of an OSAGO insurance contract is quite simple. On a special service on the PCA website at dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm, you must fill in the following data:
- identification number (VIN);
- registration plate - it is necessary to enter the number in Russian letters indicating the region code;
- body number;
- chassis number.
When checking an OSAGO insurance policy online by number, you can indicate it as all information in the aggregate or, for example, only a registration plate. If only one position is indicated and the OSAGO agreement was not found in the database, then other information should be entered to fulfill the correct request. It should be noted that all data is entered manually and the human factor is not excluded. If there are errors when entering this information, they, as a rule, will be made in the policy form itself.
The request field also indicates the date on which it is made - this will help to find out if the insurance was valid on a specific date. This information will help victims of road accidents. Any date can be specified, if it is necessary to verify the authenticity of OSAGO, then the current date should be set.
The response to the request not only contains information about the series and number of the concluded OSAGO agreement, but also information regarding the list of drivers, in particular, insurance is concluded with or without limitation. This allows you to find out whether a particular driver was allowed to drive the vehicle.
To clarify information about the driver's permit, you must additionally enter information from his driving license(series and number). A series of a Russian-style driver's license contains both numbers and Russian letters or only numbers (consists of the first 4 characters), and the number always contains only 6 digits. If the driver is allowed to drive on a specific date, the system will issue a green response with information about the admission. It should be noted that it is impossible to determine the insurance policy number simply by the driver's license number.
Checking the admission of a specific driver will help not only during the check as part of an accident, but will also allow you to control the work of the insurer when making changes to the list of persons admitted to driving. Quite often, the insurer's specialists make mistakes when entering information into a single database, and subsequently, when checked by the traffic police, the data on drivers or a car does not correspond to reality. In such cases, it is necessary to contact the insurer with an application for entering correct data into the unified PCA database.
In conclusion, it should be noted that you can check the OSAGO policy for authenticity online yourself, and if there is no form in the system, you must first contact the insurer and provide a completed form for an internal investigation. Large insurers monitor their reputation, so all issues with invalid forms, including those issued by fraudulent agents, are resolved by the insurance company's security service. In such situations, if the insurance company does not solve the problem, or is removed from solving it, you should definitely contact the police. Quite often, according to the forms of OSAGO policies, which, although invalid, the client learns about it only after the onset of an accident, responsible insurers make payments in order to maintain their reputation in the insurance services market. There are high chances for customers with an invalid policy to receive a refund in judicial order if it is proved that the borrower duly executed the policy from the agent or employee of the insurer and paid for it in cash in full.
Do you have any questions?
OSAGO policy check
OSAGO policy check is a guarantee that you will be reliably protected from any troubles on the road. OSAGO check is necessary immediately after you have received the insurance policy, without delay. Only in this case, you can be sure that you have protected yourself from fakes and the risk of non-payment of compensation.
We guarantee all our clients the highest quality services, and provide the opportunity to check OSAGO RSA in some moment. Make sure that your policy is completely legal, and really belongs to the insurance company you have chosen, immediately after our agent has brought it to you. We care about every client and want you to be satisfied with our service!
OSAGO to check means to save your money!
It is far from a secret that in such a huge metropolis as Moscow, one can easily fall into the hands of scammers who undermine the authority of decent insurers. These may be unknown one-day firms, or unscrupulous agents who will issue you a policy and will not even transfer information about this to the insurance company.
If not done on time verification of the OSAGO policy, such fraud can turn into huge problems for motorists who bought a fake document. In the event of an accident under such a policy, it becomes impossible to issue insurance compensation payments, and the victims have to compensate for the damage on their own.
That is why we recommend that you do not try to save money on buying OSAGO from a dubious insurer, and purchase an “auto-citizenship” only from reliable reputable companies whose decency has been confirmed by years of successful work in the market. Remember: on time OSAGO check It means to protect yourself from losses. Turning to us, you get the opportunity to issue a compulsory auto insurance policy from the best insurers in Russia with a full guarantee of quality.
How to check the OSAGO policy
It is very simple and accessible to everyone to understand that you have received a completely legal and legally executed insurance policy for “autocitizenship”. Your OSAGO must meet the following criteria:
- OSAGO RSA: Turning to us, you are guaranteed to receive a compulsory auto insurance policy from leading insurers: ROSGOSSTRAKH, RESO-GARANTIYA, URALSIB, and other reputable organizations registered in the register of the Russian Union of Auto Insurers. We are official representatives, and you can always OSAGO check for authenticity and belonging to an insurance company.
- Unique policy number: each legally issued document is assigned a personal identification ten-digit number, which is entered immediately into two official databases: the Russian Union of Motor Insurers, and the insurance company itself.
To know the authenticity of OSAGO RSA is available to everyone!
Using this information, you can easily make sure that the OSAGO policy issued through our company is completely legal, and if insured event You are guaranteed to receive compensation.
- OSAGO check immediately upon receipt! After our agent handed you the finished document, you can immediately check its quality. You can do it yourself, or with the help of a specialist. To do this, you need to go to the website of the Russian Union of Motor Insurers, and search for official database OSAGO RSA. If the system has confirmed the presence of your policy number in single register- the document is absolutely legal and has legal force. After that, for maximum confidence, we recommend that you make a follow-up call to the office of the insurance company and receive confirmation that your policy is included in automated system AIS OSAGO.
- Checking the OSAGO policy before its delivery: We provide a unique service for our clients. You can be convinced of the high quality of services even before the document is delivered by the agent. Don't believe it's possible? Then order back call, and our experienced specialists will advise you on all issues in the next few minutes!
Check OSAGO RSA right now!
We value every client and care about your reliable protection!
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. Consider each of them in more detail so that you can carry out an insurance check. different ways, including on the RSA 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.
- Form size strict accountability(BSO) according to OSAGO 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 falls into common base data. 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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To find out if the OSAGO policy is valid, you need to make a request to the RSA AIS database. The presence of insurance information in it is a guarantee of its authenticity. The database of the Union of Motor Insurers includes only data on policies issued by legal insurance companies. In what cases do people try to find out the authenticity of insurance:
- in an accident, the injured party often wants to be sure that they will be paid by the insurance company. But this will only be possible if the culprit has genuine insurance;
- after buying a car. Data on OSAGO must be transferred to the PCA database immediately after its registration. And the buyer should make a request to her to make sure that he will not have problems on the road if he is stopped by a traffic police inspector to check documents.
Drivers who have purchased an auto-citizen are interested in whether they can find out information about it only by their last name. But usually this data is not enough. After all, many namesakes live in Russia. Therefore, searching only by last name cannot be correct. But it can be an additional search parameter for the document. Therefore, it will have to be entered into the form electronic service, which requests data online from the website of the Association of Motor Insurers.
Checking the OSAGO policy by last name
To check the insurance, you need to enter the form of an online service that makes a request to the RSA AIS database, the following data: last name, first name, patronymic of the motorist, car insurance policy number. After that, the person who made the request will have access to the following information:
- the status of the form (valid, not valid, lost);
- date of validity of the insurance policy;
- the name of the company that issued the autocitizen.
Also, a car enthusiast who decides to check his OSAGO will also have access to additional information that is “tied” to this document. It includes KBM, vehicle registration number, VIN. The motorist will receive all this information if he enters his insurance number in the service check field.
In order not to have to worry and find out if the motorist has a legal insurance form, you need to purchase OSAGO only from reliable companies. But if a situation arises that the car owner suspects that he was sold a fake, he needs to check the purchased document immediately. He can make a request to the PCA database absolutely free of charge. To do this, he only needs to use it online service auto insurance checks.
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