Find where the car is insured. Unified MTPL database (check policy). visually and based on SAR

The driver's motor third-party liability insurance is mandatory in Russia. However, some unscrupulous companies that issue insurance under Federal Law No. 40-FZ, adopted on April 25, 2002, may violate the law and sell a fake insurance policy.

In the event of an accident, a motorist with an invalid document will have to independently compensate for all damage to the owner of the other vehicle. Therefore, it is better to check the authenticity of your car insurance in advance. To find out whether a driver has a real OSAGO, it is enough to know the car number and use a specialized Internet service that searches for a document in the RSA database.

What is OSAGO

The need to insure the driver’s liability is indicated in Article 4 of Federal Law No. 40-FZ. The motorist who has received the document can expect that the damage caused to the victim as a result of the accident will be compensated by the insurance company. However, the amount of payments is limited, as stated in Article 7 of Federal Law No. 40-FZ. They are:

500 thousand rubles, if the accident caused harm to the health of an individual or his life;
400 thousand can be used to compensate for property damage.

A compulsory motor liability insurance policy is considered a document confirming that payments in the event of an accident will be made by the insurance company.

Insurance is issued on a special form and has several degrees of protection that protect against counterfeiting and allow you to verify the authenticity of the form issued by the auto insurer.

Among them:

Availability of QR code.
Special color scheme for the policy design.
The presence of watermarks made in the form of the RSA inscription on both sides and the outline of the car.
Built-in metal thread with “OSAGO” and “polis” notches.

However, to make sure that the policy is really real, it is necessary not only to look for the above signs, but also to check the state compulsory motor liability insurance. car number. The presence of a record of the creation of insurance in the traffic police database is a guarantee that the car is properly insured.

Why is it important to check and what does a person risk by not checking?

The insured shall make compensation for damage only upon presentation of a genuine MTPL policy. Therefore, you should first adhere to several rules when purchasing insurance:

Purchase compulsory motor liability insurance only in the offices of companies operating in the field of insurance, or on the official websites of companies. It is desirable that the selected organization be a member of the NSSO or the Russian Union of Auto Insurers. Purchasing from agents who offer to issue a policy over the phone or on the street is accompanied by a much greater risk of encountering scammers.
Check the ID with the employee involved in registration;
Examine the proposed form for defects or damage.

Taking out a policy with a dubious organization or refusing to check your insurance can lead to adverse consequences.

If the car gets into an accident, you will have to pay for the damage yourself if you have a fake policy.

In addition, for drivers who drove a car with invalid insurance, a special punishment is provided: a fine of 800 rubles, provided for in paragraph 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation.

Check by RSA

Information about this MTPL policy is necessarily contained in the RSA database. It is necessary to find such information through the official portal of the union of auto insurers. To do this, you need to go to the portal at https://www.autoins.ru, then select the “MTPL” tab. On the left, select the “Compulsory Motor Liability Insurance” check item.

The system will prompt you to enter insurance details, which will help you find out about its availability in the database. The series and policy number are entered in separate columns. Then you need to confirm that the inspector is not a robot by completing a graphical captcha.

If everything is done correctly, the system will display search results after clicking the “Check” button. Possible answers are:

Policy not found.
OSAGO is expired. In this case, the site will display a table indicating the start and end dates of the document. If the day indicated in the last column has been eaten. You need to contact the policyholder for replacement paper.
The insurance has expired. This means that the paper held by the driver is invalid, since its action was canceled by the auto insurer.
The document has not been issued. This means that the insurance in the hands of the motorist is fake. This form is kept by the insurance company.
The policy is valid. If the policy is real, the system displays a special table with information about the insurance. You need to carefully compare the data indicated in it with the available paper. It is especially worth paying attention to the “Status” column. For genuine documents, the inscription “Hosted by the insurer” is displayed here.

If checking the availability of an MTPL policy according to the state. number resulted in an unsatisfactory result, you should immediately replace the document.

Checking via Autocode

The service provides the opportunity not only to check compulsory motor vehicle liability insurance by car number, but also to order a comprehensive report on the vehicle.

When searching for information, more than 11 official databases are used, including RSA, traffic police and FSSP. However, you must pay 349 rubles for the report.

You can purchase a package that allows you to perform multiple checks.

In this case, it is not necessary to search for a car by state. number. OSAGO checks are also carried out by VIN, and for Japanese cars the body or chassis number is used.

The report contains, in addition to information about current insurance, information:

Car operation in a taxi;
Hijacking;
Fines;
Being in collateral;
Checking wines for compliance;
Participation in an accident;
Mileage;
Number of owners;
PTS details;
Registration actions performed.

The form of the report does not depend on whether the check is carried out by car number or VIN.

Check at the traffic police

On the official website of the traffic police, online check of compulsory motor vehicle liability insurance is not possible. The portal will redirect the driver to the RSA website, where the user can obtain the information he is interested in.

However, when stopping a vehicle, traffic police officers are able to electronically find out whether the insurance is valid.

But it is better for the driver to conduct an independent check in advance. If a traffic police inspector discovers a fake OSAGO insurance policy. He can issue a fine to the motorist under Article 12.37 of the Code of Administrative Offenses of the Russian Federation.

The period during which the insurance is valid is indicated during the check through the RSA website or the Autocode service. The data is contained in the last two columns of the tables displayed with information about compulsory motor liability insurance. If the expiration date of the policy has already expired, the driver must contact the insurance company to reissue it.

What to do if your insurance is fake

The only way out of the situation is to order a new policy from a licensed insurer, and you must write a statement to the police against the company that issued the false paper. A case of fraud will be filed against the fraudulent company.

If the driver does not detect and replace the fake policy in time, he may be subject to administrative or criminal liability. The latter applies if it is proven that the motorist deliberately used false insurance. The fine in this case, according to Article 327 of the Criminal Code of the Russian Federation, increases to 80 thousand rubles. Or it can be replaced by correctional labor for up to 480 hours. And if the presence of a fake policy is detected when applying for damages to the policyholder, the driver will have to pay up to 120 thousand rubles, provided for in Article 159.5 of the Criminal Code of the Russian Federation.

18.07.2017

OSAGO insurance is mandatory in Russia. Every day the army of MTPL policy holders is replenished with thousands of new recruits. Statistics make it possible to determine the dynamics of these processes. The MTPL policy is a document of strict accountability, so insurance company employees monitor the safety of the forms. However, recently cases of theft of policies have become more frequent, so we advise you to be extremely careful when presenting the policy to the car owner.

Why is an MTPL insurance policy necessary?

Buying Used vehicle, you need to find out if there is compulsory motor insurance for the car.This type of insurance is mandatory for all car owners in Russia. Having an MTPL policy, the driver, in the event of an accident causing harm to the health or property of others, does not pay money out of his own pocket. As soon as an insured situation is recorded, all calculations and concerns regarding damage compensation are assumed by the insurance company..

Policy is valid from the moment of conclusion of the contract until the day of its expiration, inclusive. Then the insurance must be renewed, otherwise the owner will be denied sale and other actions with the car. When buying a car, both new and used, taking out a compulsory motor liability insurance policy is the first condition.

Price insurance depends on many factors, including age, length of service and number of vehicle drivers, engine power, presence of insured events under the previous MTPL agreement, etc. To find out the price of MTPL for your car, you should send a request to the selected insurance company that has the appropriate license from the Central Bank of the Russian Federation.

"2 in 1" check

By using Internet service "Avtoreport" you can find out the OSAGO policy number by the car's license plate number or VIN code. This check will help ensure that you are dealing with an honest seller and that the car does not have a criminal record. By the way, using the policy number you can carry out the reverse operation - break through the state number. car number. And if the number was assigned to a stolen policy form, then, according to the rules, information about it must be transmitted by the insurance company for publication in a special list of the Russian Union of Auto Insurers.

Compulsory motor liability insurance check will show which company the insurance contract was concluded with, what date the previous owner’s policy is valid, etc. Knowing this information, you will be able to clarify the cost of insurance and discuss options for reissuing it with the seller..

Note: re-issuance of the policy in the name of the new owner is a mandatory procedure! Without this, it will not be possible to register the car with the traffic police. Meanwhile, the law sets a period of 10 days for obtaining all permits. Checking the history of a car using the Internet service “Avtoreport” will help you save time and find out all the facts of the “biography” of the vehicle obtained from official databases.

If insuring a car under CASCO is a purely voluntary matter, then an OSAGO policy is mandatory for every motorist. Indeed, in the absence of a document, all compensation for harm that was brought to the other party will have to be compensated independently. That is why you need to know how to check your insurance on site to avoid problems related to this issue.

Check insurance according to the vehicle data

So, you got into an accident, but the person at fault does not remember the policy number. How to find out if a car is insured at all? You can check the insurance and the drivers included in it online by finding information by VIN and car number in the PCA database. In this way, you will be able to find out the insurance document number so that you can then contact the company for compensation for losses incurred as a result of the accident.

To check the MTPL by state number, you need to follow the link to a special section of the RSA and enter the necessary information about the car in the highlighted windows. You will need:

VIN code (available both in the registration certificate and in the PTS);
vehicle registration plate;
chassis and body code.

How to check a vehicle if you do not know the body or chassis numbers? Or maybe the vehicle doesn’t have a VIN at all? In this case, fill in the columns with the data that you know, and leave the rest blank. Very often, the system finds the required car after specifying the VIN and license plate. All that remains is to write the date at which the MTPL policy is checked by number. This will allow you to see whether the insurance is valid at all or whether it has long been canceled.

In this way, you will be able to find out all the required information only by the car number and VIN.

Checking OSAGO for authenticity

In order to check the authenticity of the document sent to you, you should go to the RSA website and enter:

MTPL policy number;
its series (every document has it, written in 3 letter format, for example, XXX, EEE);
date of the accident for which data is requested.

After confirming the security code, you will only have to wait for the verification results. Be careful: if the system does not find the necessary information, it means either there was an error in the data you entered (this happens, just double-check the numbers before re-entering), or the car insurance document is invalid. If the MTPL insurance policy has expired, a message will appear that it has become invalid. However, in some cases this does not happen, so you need to pay attention to the columns with information about the date of conclusion and the period of validity of the document - if the accident occurred much later, then it is no longer valid.

This same method will allow you to see which car is insured under MTPL, because they may give you a completely different policy (or one that was previously valid) in order to hide the fact that there is no insurance for this particular vehicle. In addition to the fact that this method can determine whether a car is insured under compulsory motor liability insurance or not, it will be possible to determine which insurance company it was insured with. This will require the same information. Information about the insurer will be contained in one of the columns of the table, which will appear after verification. In addition, information will appear on a certain circle of persons who are allowed to drive the vehicle, or you will be able to see a mark indicating that the insurance policy has been issued without restrictions on the circle of persons.

Having determined whether the insurance is valid and whether this is actually the same car that was involved in the accident, the injured party can calm down, because if everything is in order, then there will be no problems with paying compensation or repairing the car. All that remains is to contact the culprit’s insurance company that insured the liability.

Even if the other party has provided you with a document, you should still check the compulsory civil liability insurance policy to find (or not) data about it in the RSA database. After all, the mere existence of a policy does not mean that it is genuine. Such a check will only take a few minutes, but you will find out for sure whether the car is really insured or whether the insurance is fake and, in fact, is just a piece of paper, and not a state form for strict reporting. After all, it will be impossible to recover any amounts from the insurance company.

The insurance policy number is a ten-digit number. Thanks to him you can find out comprehensive information about the vehicle and its owner. Read about how to find out the owner by the MTPL policy number.

You can also get information about when the document expires, how many times it was used, as well as what accidents the car has been involved in during the current period of time. Agree, the information is necessary and necessary, especially when it comes to purchasing a car second-hand.

Where is it located?

Naturally, this numerical expression is located on the form. If you put it with the title side facing you, you can see the code in the upper right corner. It usually has a red tint.

Reference! The code value of the insurance policy is widely used when archiving data in the database of RSA, the Russian Union of Auto Insurers. This portal operates on the principle of an electronic information library, only the data is sorted not by alphabetical order, but by numerical order.

That is, if you have information about the insurance policy form code, you can obtain comprehensive information about the car and its owner. This explains the need to assign a similar numerical expression to each form.

What is it for?

In fact, the importance of this concept is difficult to overestimate.

Required data

Data that will help you find out information about the code value of the MTPL policy:

State registration number of the vehicle. It is assigned to each car individually, and you can use it to clarify the information you are interested in.
It is also possible to find out the information you are interested in using the VIN code.
But it doesn't seem possible. Unfortunately, there is a high probability of finding information about the namesake, which will cause significant confusion. That is why, along with the last name, the citizen receiving the data must also know some other information.

How and where to find information on car insurance - detailed instructions

As mentioned above, in order to find out your MTPL insurance policy number, you must have any data that relates to a specific driver and his vehicle.

RSA

In order to find your MTPL policy number, you need to go to the portal of Russian auto insurers (RSA). In order to find out the code of the issued document using the RSA database, you just need to have with you the data that will become the basis for receiving it. Such data must be entered into the empty fields that are available in the form:

Important! Please do not use other resources to obtain information. It is likely that these are scam sites that will ask you for money or even become the owners of your personal data.

In order to find the MTPL insurance policy number, you will need information about your last name, registration number of the car and body, vin code, or driver's license.

You will find more nuances on how to find out your MTPL policy by car number in.

Insurance Company

You can also contact the branch of the company where you filled out the form.

Provide the owner’s initials, along with information about the state sign, VIN code, and so on.
Based on the data received, the insurer will run your information through the database and after some time you will receive the information you are interested in.

Private organizations

Many private organizations in the Russian Federation also provide assistance in the form of obtaining the necessary data for you. True, you will have to fork out for this service. There are no uniform tariffs for the cost of services.

Such companies exist both on the Internet and operate through personal reception. The main thing is not to run into scammers, which use the same SAR database to search for the data you are interested in.

How to find using a driver's license?

If you know your driver's license number, you can find information about your MTPL insurance policy number. To do this you need to use:

The easiest and fastest way is to visit the portal of Russian auto insurers. Use the instructions outlined above. However, enter your driver's license code information in the fields. Click on the “get data” button. After some time, information about the number of the required document and other data on the car will appear on the screen. But only on condition that the insurance product really exists and is not fake.

By policy number

The MTPL policy is a strict reporting form, so insurance company employees vigilantly monitor their safety. However, there are frequent cases of theft or loss of such policies in almost every insurance company.

It is for this reason that insurers conduct regular checks of existing policies at intervals of 2-3 weeks. Having determined the shortage, the security service transfers these lists to the RSA and begins internal investigations. These “black lists” are available for review on the Internet service, namely on the official website of the RSA. That is why you need to carefully monitor the authenticity of the MTPL policy.

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If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

It's fast and free!

With the development of Internet resources, it is now possible to verify the authenticity of a policy through the use of its services, that is, online.

Due to the increasing number of complaints against unscrupulous insurers, whose activities consisted of taking money from clients and issuing false policies in return, the Russian Union of Auto Insurers organized a special service.

Now, knowing the ten-digit policy number, you just need to enter it in the into the proposed system to any citizen who has access to the Internet, and find out which company he belongs to.

By car number

Why is it necessary to check the MTPL policy by car number?

The answer is very simple. This allows you to find out the full insurance history of the car. That is, its possible involvement in an accident and the availability of insurance compensation and payments.

This is most often used to calculate the BMR(bonus-malus coefficient). After all, if the previous owner of the car does not have a “white” insurance history, then, accordingly, the CBM will be minimal or absent altogether. Therefore, when buying a car, it is useful to check it in the database for possible surprises.

You can also check the policy on the RSA website in the appropriate tab.

This service is also useful for those who inadvertently found themselves involved in an accident and have suspicions that they do not have insurance.

If you are interested in learning about what the penalty for not having insurance will be, you can read about it.

When you go to this page, you will see two columns for entering information - this is the state. car number or vehicle identification number (VIN).

Using what is offered, you can find out complete information about the car: from information regarding the theft to confirmation of the impact of a natural disaster, as well as receive a complete list of those who owned this car. After about one minute you will receive complete information about the car.

Check in RSA

By contacting RSA and receiving information that the policy was issued by another insurance company or that the insurance agent is acting on behalf of the insurer, indicating false data, you will be able to appeal their actions and stop fraudulent manipulations. RSA (www.autoins.ru) - Russian Union auto insurers – offers checking the MTPL policy through its database.

Access to it is free and operates around the clock throughout the Russian Federation. Among other things, on the site itself you can find useful phone numbers, by contacting which a specialist will clarify for you what your policy belongs to, and also provide the necessary advice and tips regarding the rules and nuances of use. In addition, the service provides samples of forms necessary for registration of compulsory motor vehicle liability insurance.

RSA OSAGO database

The RSA OSAGO database is an authorized database of OSAGO insurance contracts, created in 2013 and, according to RSA, contains 100% of MTPL contracts for previous years and is constantly updated. In general, its main purpose is to calculate the “bonus-malus”, which is essentially a discount for accident-free driving.

However, what has taken root is not very good for car owners, the essence of which is that when checking the BMR (bonus-malus coefficient), insurers confirm the fact that your information is missing from the database, and thus assign a BMR equal to one, that is without discount.

In this case, you can contact either another insurance company or file a complaint with the RSA. Moreover, with one word about a complaint, insurers usually instantly find the previous contract in the database.

In the process of working with OSAGO, RSA even developed a special application form in case of conflicts with insurers, a sample of which can be seen below.

To the Russian Union of Auto Insurers

from

(written in full)

_______________________________

mailing address

(for correspondence ):

st.______________________________

d. ______, bldg._______, apt.________

G._______________________________

________________________________

index: _________________________

tel. (mobile) _______________________

tel. (house.) _______________________

STATEMENT

Please look into the actions of the insurance company.

_________________________________________________________________

Applicant's date of birth:______________________________________________________________

Applicant's Driver's License No.:__________________________________________

No. of the current MTPL policy:__________________________________________________________

No. of the previous MTPL policy:__________________________________________________________

The essence of the appeal: ___________________________________________________________________

__________________________________________________________________________________

_______________________

(Date, signature)

When filling out the application, you must indicate the number of the previous and current MTPL policy, as well as full name, date of birth and driver’s license number for all persons allowed to drive the above policies. If you have documents, please attach them to the application.

What nuances should you pay attention to?

Of course, the presence of an insurer in the database is a necessary condition that guarantees the motorist safety from insurance fraud. However, it would be useful to check the MTPL policy based on external signs.

First of all, this is the quality of the paper - it is thick and has inclusions of red fibers.

On the front side there is a fine bluish mesh; on the back side you can see a metal plate 2 mm thick to the right towards the edge.

If you hold the policy up to the light, you can see watermarks with the RSA logo, and the sheet itself is approximately 11 mm larger than A4 format. The letters representing the number are convex.

If the OSAGO policy is invalid

At the end of the insurance procedure, you must have the following documents in your hands:

personal insurance policy;
payment receipt with signatures of the seller and buyer;
list of representative offices throughout the Russian Federation;
sticker;
OSAGO procedure;
form for notification of an accident (2 pcs.).

What are the possible options for invalidity of the policy:

Corrections on the policy itself are unacceptable, since this document is of strictly financial significance. Any crossing-outs, etc. will result in its invalidity, so when filling out the insurance you must be extremely careful.
If the original document contains errors, including the power of the car, then this also entails its invalidity;
Forgery of policy.

If your policy is invalid due to forgery, you must contact law enforcement authorities to initiate criminal proceedings. At the end of the investigation, you can hope for a refund from the seller, if one is found.

If you are involved in an accident and during the process of checking your documents it was determined that your compulsory motor liability insurance policy is invalid, you should go to court to protect your legal rights.

To summarize, we can say the following:

Obtaining an MTPL policy is mandatory for a motorist; however, you need to be very careful when purchasing and registering it, and contact only an insurance company that has a good reputation.