Insurance payments are made only if there is a genuine MTPL policy. If the insurance turns out to be false, in the event of an accident, the motorist will have to pay for the damage himself. Both completely fake policies, even those printed in a printing house and having all the necessary attributes, as well as stolen forms or those lost by an insurance company are considered fake. To protect yourself from possible problems with the authenticity of documents, you need to check whether the car is actually insured under MTPL. This can be done in several ways. It should also be taken into account that the verification cannot be performed using the owner’s last name alone.
Using a fake policy entails significant risks, namely:
- if detected by traffic police officers, they may refuse to register the vehicle;
- contacting the insurer in order to obtain compensation for damage caused is regarded as a violation of the law.
Checking insurance authenticity using QR code
Each MTPL insurance policy has a 2-dimensional QR code with information about this document. This increases the level of protection against the production of counterfeit forms and allows motorists to quickly determine the authenticity of insurance. To check the policy using a QR code, you need to point the camera of your smartphone at the QR code, on which the corresponding reading application is installed - “Road accident Europrotocol”. You can download it from Google Play or App Store.
How to check a policy using the RSA database
Each MTPL insurer is a member of the Russian Union of Auto Insurers (RUA). Data on all MTPL insurance must be entered into the organization’s general database. Every motorist can go to its website and use the services in the “MTPL” section – “Information for policyholders and victims.” There are three ways to check your MTPL policy on the RSA website:
- the status of the form and the affiliation of the insurance company are checked by the policy number;
- the presence of a valid contract is determined by the VIN, license plate number or body number of the car;
- Using the MTPL policy number, you can check information about the insured car.
To check your MTPL for authenticity online, please indicate the policy number and series. The following document status options are possible:
- is with the policyholder - the policy is valid;
- is with the insurer - perhaps the company has not yet managed to make changes to the database (this takes several days);
- has become invalid or lost – means that the compulsory liability insurance policy is invalid;
- printed by the manufacturer - this contract form was not given to the insurance company.
To check the authenticity of the MTPL policy by car number, you must enter the car's license plate number, body number or VIN. This allows you to determine the type of policy, as well as the company that issued it. To check information about the vehicle specified in the car insurance contract, you must enter the number and series of the MTPL policy, as well as the date for which the information is requested. This online check is the reverse of the previous one.
You can learn more from AlfaStrakhovanie specialists on how to check an electronic MTPL policy for authenticity, as well as apply for insurance with official entry into the RSA database.
Find out how much an electronic MTPL policy will cost for you and which insurance companies can buy it from in your region:
Fake duplicate forms for compulsory motor third party liability insurance are actively passing around among motorists. Judicial practice shows that there are also forms in circulation that are listed as “lost”, stolen from brokers or insurers, and also issued by unscrupulous insurance companies after the license was revoked.
In order to avoid misunderstandings and conflicts arising from an accident, RSA (Russian Union of Auto Insurers) invites everyone to protect 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 car insurance, where you can find out the period of insurance activity and the name of the actual insured of any car (including someone else’s), both by series and policy number, and by vehicle registration numbers .
Visual principles continue to apply
Previously, experts advised to check the policy only by carefully looking at the document received in your hands:
- So that the size of the form is approximately 1 cm wider and longer than a sheet of A 4 paper;
- The RSA logo was present in the security watermarks;
- Multi-colored microscopic villi are evenly distributed over the entire surface;
- A soldered metal strip was located along the left edge;
- The document number is composed of ten digital characters;
- Series EEE – for policies obtained directly from insurers;
- Series XXX for electronic insurance;
- CCC series, used until 2015.
The requirements for accurate filling out stipulate that: all available information must be entered in the appropriate columns, and if any data is missing, the field must not be empty, but must be crossed out with a clear line. The information on the form also includes the amount paid by the policyholder on the receipt as an insurance premium. To avoid problems, the client was asked to make sure that the insurer had a license and that it had 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 combat shadow trends with the same measures, namely, the creation of a unified electronic database with free access for everyone.
Determine the status of a document by its series and number in the RSA database
It is convenient and easy to check your MTPL policy for authenticity on the RSA website. You go to the service and fill out the form:
- Select the appropriate series (EEE or XXX) from the options offered by the system.
- Enter the insurance contract number.
- Pass the site login security check by selecting the code from the picture provided.
In the window that opens, the system will provide you with the necessary information and insurance policy status:
- "Located by the insurer" — the resource will give this answer if the contract on compulsory motor liability insurance was concluded recently, and information about it has not yet been entered into the RSA database. The 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 contact either the company to conclude another contract, or the law enforcement agencies to protect your interests.
- “Located by the policyholder.” Having received this status upon request, for reliability, compare whether the data on the terms of insurance and the name of the insurer that entered into the contract match. – If “Yes,” then the authentication check can be considered successful, but given the resourcefulness of the world of scammers, you cannot immediately recognize it as reliable, because there may be a “double” with identical details. That’s why RSA recommends taking another test, which will be discussed below.
What car is insured?
On the same resource, follow the link and enter the data in the form. After processing the received information, the system will display:
- Registration plate of the vehicle 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 checks the data with the existing documents for the vehicle and if they match, then there is no longer any reason to worry. If you discover any discrepancies in these data, you should submit a written request to the insurance company requesting an investigation into the cause of the discrepancy.
Only the car number is known
The online resource for car insurers has also provided the 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 contract number or the date of its conclusion.
Go to the RSA service, enter the data you have in the field of the proposed form in Russian characters. For example, this can be only a registration plate or a set of information, including: vehicle identification number and registration plate, taking into account the region code, chassis and body number. In the first case, checking the authenticity of the policy may be successful, but not always. Detailed information narrows the scope of the search, which is why 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 resolution 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 into the form the date when the unpleasant event occurred, requiring, for example, monetary compensation, because in such cases, the activity of the contract at that moment is important.
Other features of the RSA official website
There are cases when, in order to resolve a dispute or correct errors discovered during a policy check by a traffic police inspector, it is necessary to find out whether the contract under compulsory motor liability insurance includes restrictions or was 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. Let us remind you that a Russian driver's license is filled in with Russian letters. Where 4 alphanumeric characters represent the series, and 6 numeric characters represent the document number. If you have access, the system will confirm and respond to the request with a green field.
Note! Knowing only the series and number of a driver's license, it is not yet possible to determine the policy number in which it is included in the list of admitted persons.
Note to motorists
It is known that sometimes the reason for refusal to pay insurance compensation to both the injured party and the party at fault in an accident is the fact that, under the existing MTPL agreement, the wrong car is insured. Let us note that, according to the Law on Compulsory Motor Liability Insurance, such actions by insurers are considered illegal even if there are duplicate policies, unless the company has 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 adherence to the procedure for notifying the parties. Then send a letter of claim 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, let us recall what to do if it was not possible to confirm the authenticity of the policy on the RSA website?
In this case, you should submit an application to the insurance company requesting an internal investigation and attach a copy of your existing policy. Usually such a measure is sufficient, but some citizens have to seek justice by calling for the help of investigators from the competent authorities, who will have to establish why the concluded contract was invalid.
Information
First of all, about why it is necessary at all check your MTPL policy. The fact is that fake MTPL policies do not provide for any payments. Thus, in the event of an accident, you will have to compensate for the damage yourself. At the same time, fake policies also include stolen or lost original forms.
You cannot buy:
- Blank (unfilled) policy form
- If the receipt or policy form indicates a different amount than the actual payment
- Not all signs of authenticity are met
- And also, under no circumstances, do not make any changes to the MTPL policy yourself.
Visual authentication
- The height of the OSAGO policy form is slightly longer than a standard A4 sheet (about 10 mm.)
- The front side contains a special micromesh of a bluish-green hue over the entire area of the form
- Must contain clearly visible watermarks with the RSA logo
- On the back (right) there should be a protective metal strip 2 mm wide.
- The form contains inclusions of red fluff
- The paint should not be smeared and will not remain on your hands after touching.
- The policy number contains 10 characters, is located in the upper right corner and will be slightly convex to the touch.
- From May 1, 2015, only forms with the EEE series can be issued
Verification of the insurer's credentials
An insurance company must have the appropriate license. The insurance policy will be invalid if such license is no longer valid, for example, revoked or suspended.
If the policy is sold by an insurance intermediary (agent), then it is necessary to check that he has a valid power of attorney from the insurance company. Check the data in the power of attorney: the name of the company, the passport details of the insurance intermediary, the validity period of such a power of attorney, what contracts the bearer can enter into.
Checking the MTPL policy by number in RSA
The RSA database is open and publicly available. In addition, in case of loss of policy forms, each insurance company notifies the Russian Union of Auto Insurers about this.
Using our service, you can check your MTPL policy online using the official RSA database. To do this, you only need to enter the 10-digit number of the form being checked (you do not need to enter the series, just the number). After checking, you will immediately receive the following data: the series and type of policy, which insurance company it belongs to, and also, which is extremely important, the status of its license.
Data source: RSA (Russian Union of Auto Insurers).
If your policy is not in the database or, according to RCA data, is assigned to another insurance company, then you cannot purchase such a policy, this is an obvious fraud.
OSAGO: let’s not let ourselves be deceived
Fake MTPL policies
In light of rising tariffs, counterfeit MTPL remains a pressing problem. Therefore, be careful when purchasing these policies.
If you find a fake policy, contact the police immediately. At the same time, you will still have to buy a legal policy.
There is also a criminal penalty if you know that you are buying a deliberately counterfeit OSAGO form (including an empty one) - Article 327 of the Criminal Code of the Russian Federation.
Check your current MTPL insurance policy by its number
When copying a number, use the “paste” command of the context menu, and also enter a test picture.
If you want to check the electronic MTPL policy, then choose the XXX series, they only have this series.
Received data: validity period of the MTPL contract, insurance company and policy status.
Despite the fact that electronic insurance policies began to be issued back in 2015, there are people who still doubt that this form of insurance is valid.
Where can I do this?
How can I check this? Insurance authenticity is verified on the website of the Russian Union of Auto Insurers. The policy verification process on the RSA website will not take much time, and it is no different in complexity. It is noteworthy that for this it does not matter where it was received, since all existing insurers are registered with the Russian Union of Motor Insurers.
Even if a compulsory civil insurance contract was purchased from a large, reputable company, checking its authenticity is a priority. The faster the authenticity is verified and whether the policy is valid, the less likely there is to have problems with the traffic police and payment of fines. If the car owner has the slightest suspicion about the authenticity of the electronic insurance policy, a check is carried out immediately.
How to find out authenticity by number?
The ability to verify the authenticity of such insurance is provided to ensure:
- execution of Federal Law No. 40;
- guarantees of checking the insurance company or the insurer's representative before concluding a contract.
The ability to check your policy on the RSA website will help you avoid purchasing a fake policy., and also understand how conscientious the agent is. So, the resource is used simply:
When the check is completed, a table of 6 columns appears on the screen. Each contains information:
- The day the insurance policy was last checked.
- Insurance status. It may not be valid; if the check is carried out before making a purchase, then the status will say “with the insurer.” If the policy has already been sold, the statute will be “in the possession of the insured.”
- The third column contains the details of the insurer who is liable under the policy. Before making a purchase, you must check the data in this column with the data of the selling company.
- Date of sale. If the policy has not yet been sold, but is only being prepared for sale, the cell is empty.
- The date on which the insurance contract begins. If the policy is just being purchased, then nothing is indicated here.
- The period when the insurer's liability ends. This date is most often of interest to the party injured in the accident.
That's all, if the policy is genuine. And it happens that when you enter the number, a window appears where you need to enter a security code, and under it it is written that “The MTPL policy form with the specified details was not found.” If this happens only once, there is no reason to panic; it is quite possible that the number was simply entered incorrectly. You need to wait a little and enter the policy number again. But, if the error appears 3 times, this means one thing, that e-osago is fake.
Watch a video about checking the authenticity of an MTPL policy on the RSA website:
Check by license plate, VIN or body data
To find out car data about registered MTPL policies you need:
- state number of the car;
- VIN code;
- or body number.
If you find an error, please highlight a piece of text and click Ctrl+Enter.
Attention
But there are often cases when the policyholder learns that he has purchased an invalid or counterfeit policy only at the time of attempting to settle the loss or renew the policy for the next period.
What are the consequences of buying a fake policy and how to check it correctly? What are the dangers of a fake policy? First of all, you should understand that driving a vehicle with a fake MTPL policy entails at least the same consequences as driving a car without insurance at all. How to check the MTPL policy for authenticity in the RSA database? In this regard, information has emerged that the Russian Union of Auto Insurers will force all drivers to replace their insurance policies from July 1, 2018.
However, this information has not been confirmed by regulatory documents, so it is premature to take it seriously.
You can check it directly at the conclusion, both by visual signs and by the correspondence of the information specified in the contract to reality.
Among the visual signs you should pay attention to the following:
- The size of the form is larger than A4 format (the difference is about 1 cm);
- the presence of protection watermarks with the logo of the Russian Union of Motor Insurers, as well as the presence of multi-colored fibers throughout the entire area of the form;
- the presence of a soldered metal strip along the left edge, which penetrates the entire length of the form;
- The policy number must contain exactly 10 digits, while the series for printed ones must currently be EEE (until 05/01/2015
the CCC series was in effect) or XXX for electronic ones.
In addition, it is necessary to ensure that all information is filled out, and in cases where specific items do not need to be filled out, they should be crossed out.
The Russian Union of Auto Insurers (RUA) provides a database that contains information on all OSAGO policies sold. Below on our website is the form of the official RSA website. Please fill out all fields of the form, including the number of the insurance policy itself, in order to do an online check of compulsory motor liability insurance using the RSA database.
You can check the OSAGO form for authenticity using the official RSA database at the top of this article.
Checking and paying traffic police fines online. Checking the value of the KBM using the AIS RSA database. Do you need a guaranteed authentic policy from a reliable insurance company? Calculate compulsory motor liability insurance on a calculator.
Attention
How to check that the compulsory motor insurance policy is valid? This form is for checking both paper policies and electronic policies of the XXX series purchased via the Internet! Usually, electronic insurance is included in the database immediately after registration, but sometimes due to the workload of the database, this can take several days. The correct status for valid insurance is “held by the policyholder” (but if immediately after purchase the status is still “held by the insurer”, then this may be normal - the agent might not have time to make changes to the database, wait a couple of days and only then sound the alarm) .
Definitely “bad statuses” of an MTPL policy are “lost in force” (why exactly it lost force can be seen in more detail by checking below) or “lost”. The status “printed by the manufacturer” means that such a form was not even handed over to the insurer.
of the Russian Union of Auto Insurers on the back of the form, a metal strip 2 mm wide is clearly visible on the right side of the policy form, red fluff is embedded in the policy form, the paint is of high quality - it does not remain on your hands, the policy number printed in the upper right corner of the form should be convex to the touch Signs of selling a counterfeit the office is located in a poorly small place premises without the logo of the insurance company, the seller sells policies of all insurance companies at once, the seller intrusively offers a courier over the phone or sends the policy by mail, the seller introduces himself as an employee of the insurance company and conducts correspondence from a private email address (@com, @ Where to buy a real policy Buy a policy at the official sales office an insurance company that has a valid license, as a rule, this is a premises in which the services of only this company are provided. Buy a policy online on the official websites of insurance companies.
Checking MTPL policies can be carried out using different methods. And one of the most common ways to determine the authenticity of insurance is a specially created service - the website of the Russian Union of Auto Insurers.
READ ALSO: How to check the authenticity of an MTPL policy in the RSA database?
All numbers of insurance documents are also recorded, and their status is also indicated along with information about the vehicles specified in the insurance, for example, data on the bonus-malus of a particular driver, the coefficients applied to him when drawing up contracts.
Some companies provide their clients with this opportunity by posting a link to the PCA service in order to verify the authenticity of the MTPL policies issued by this organization. This decision only works for the benefit of the company, due to which it is possible to raise the level of the insurance organization and its authority.
The policyholder's data is entered into the unified system of insurers, to which RSA is connected
At the same time, I would like to immediately note that many motorists are looking for ways to check the authenticity of a CASCO policy. But unfortunately, currently there is no such service on the official website of RSA - this service only works with the OSAGO database.
CASCO is a voluntary type of insurance and as such there is no database where data on insurance persons is entered. Therefore, CASCO insurance can only be checked for authenticity directly with the insurance company where the contract was concluded. Well, or the worst option is to establish the fact of falsification of an insurance document at the stage of identifying the culprit of the accident.
In such a case, the owner of the fake suffers - not only is he forced to compensate the damage to the injured party from his own pocket, but he will also be held administratively liable for the use of a false insurance document.
OSAGO is a mandatory type of motor third party liability insurance.
As mentioned earlier, the easiest way is to check the MTPL policy using the RSA database on the official website. To do this, it is enough to know the insurance contract number.
Sometimes motorists may encounter situations where checking a driver using the RSA database or checking a car on the official RSA website issues a notification that there is no confirmation of the presence of any data in the Unified Register of AIS RSA.
In this case, the first thing to do is to check the correctness of the entered data. Often, in the process of entering a 10-digit insurance policy number, the user makes a mistake.
What to do if the system did not find the policy. There are several options to solve this problem:
- If the insurance was purchased directly from the insurance company, then, most likely, the lack of data on the policy is due to the fact that the insurance agent simply did not enter it into the database. In order for insurance data to be included in the Unified Database of the Russian Union of Auto Insurers, you need to contact a representative of your insurance organization and explain the essence of your problem. As a rule, after a personal contact with the insurer, the issue is resolved very quickly and the very next day the motorist can view the data on his policy in the AIS RSA.
- If the insurance contract was concluded through contacting a broker, then you should contact the broker. In this case, the policy may also not be included in the RSA database. If, after contacting the broker, the situation has not changed and the policy is still listed in the Unified Register of the Russian Union of Auto Insurers, then we recommend contacting the police regarding fraud. In this case, you will need to repeat the procedure for purchasing compulsory motor liability insurance, but only this time it is better to contact an already verified insurer.
The status is with the policyholder
The amount of the insurance premium indicated directly on the form must match the amount actually paid and correspond to that written out on the receipt, which must be issued without fail. An important role in the validity of the policy is the insurer's authority to enter into MTPL contracts.
This authority is confirmed by a special license, which at the time of registration must be valid, that is, it must not be revoked or suspended. Checking the form by number The simplest and most accurate way is to check the MTPL insurance policy online in a specially designed form on the RSA website:
READ ALSO: Do I need to change my MTPL policy when changing my license or changing my last name?
When reading, there is an automatic redirection to the official website of the RCA, which shows information about the insurer and the date of registration and validity period of the contract. Checking the MTPL policy When checking the policy, it does not always happen that the policyholder is physically in his hands, because the client can ask for the policy series/number (its scan/photo) in advance, and its delivery will be made later.
Be sure to carefully check the date of the contract and the name of the insurance company. A common fraud scheme is fake policies that have the same series/number, but in fact it was issued in different numbers and is registered for a different owner and car.
B. Policy status - no longer valid (this status is most often assigned to a policy due to any changes.
Check the insurance policy for the authenticity of the RS. The policy may contain watermarks, tape, and anything else, since they are printed on old GOSZNAK equipment, which is still preserved in the former Soviet republics. How to make sure that the MTPL policy is real? If you buy a policy in person, from an agent.
The most effective way is to call the insurance company and dictate the series and policy number. The insurance company must confirm to you that the policy is registered with them and is assigned to the agent on whose behalf the purchased policy was issued.
Signs of a fake policy
- Manual filling. Although MTPL authentication has a relatively small number of tools, this nuance should immediately catch your eye.
When checking the policy, it does not always happen that the policyholder is physically in his hands, because the client can ask for the policy series/number (its scan/photo) in advance, and its delivery will be made later. Be sure to carefully check the date of the contract and the name of the insurance company.
A common fraud scheme is fake policies that have the same series/number, but in fact it was issued in different numbers and is registered for a different owner and car. B. Policy status - no longer valid (this status is most often assigned to a policy due to any changes.
For example, a client took out a policy for six months, then extended it for the remaining six months; they could renew his old policy, or issue him a new form and take back the old one. Accordingly, the old form ceases to be valid, and the new one is assigned the status of being kept by the policyholder.
It is searched by license plate number only if this information was provided by the insurer (they do not always do this). If the insurance has a limited list of drivers, then the system will offer to check, using the number and series of the driver’s license, whether a certain driver is included in the insurance (this option appears in the second step after).
If you have recently added someone to your MTPL policy or made other changes to the data, then according to regulations, insurance companies are required to make changes to the RSA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been reflected in the AIS RSA database. The last check is also useful for checking a used car before purchasing. After all, the presence of two simultaneously valid MTPL policies on one VIN number (or GRZ) can be a “bell” that the car is a “double”.
Visual check of the policy
These are all cases of replacing a policy with another before the end of the insurance period, as well as cases of termination of the insurance contract. For example, a client sold his car and contacted the insurance company to receive funds for the unused insurance period. Important The insurance company terminated the contract and it was given the status of no longer valid.
D. Policy status - lost (this status is assigned to policies that insurance companies reported to the RCA as lost (stolen). D. Policy status - spoiled (this status is assigned to policies that are submitted to the insurance company as damaged).
You can check the authenticity of OSAGO by external factors. What should grab 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 MTPL insurance policy.
- The size of the strict reporting form (SSR) according to OSAGO is 5-10 mm longer than an A4 sheet.
- The surface of the form is covered with SAR watermarks.
- Numerous inclusions of red fibers throughout the policy.
- The reverse side of the BSO contains a vertical metal strip and the digits of its number, which are embossed to the touch.
