How to check the insurance policy. Unified CTP base (check the policy)

The authenticity of the OSAGO policy is the key to the smooth receipt of insurance coverage by the motorist from the company of his choice. However, recently there have been more cases of counterfeiting or issuing policies on behalf of insurers whose license to provide this type of service had previously been revoked. In order to provide insurance guarantees and increase the confidence of policyholders, the Russian Union of Auto Insurers has created a special database that allows you to check the policy and ensure the authenticity of this document.

This can be done online at any convenient time. Moreover, a motorist can check not only his own OSAGO, but also the policy of another participant in an accident or any other person to make sure of the authenticity and validity of the insurance document. It is also very helpful to verify the authenticity of the policy after purchase.

RSA has made every effort to provide motorists with quick and convenient access to such a database, therefore, any person can now check the CTP policy for authenticity and completely free of charge.

Visual check

You can visually check the paper version of the policy. To do this, you must carefully examine the document and pay special attention to the following:

• size of the form - it should be 1 cm larger than the A4 sheet format;
• watermarks - the PCA logo should be visible on the form, colored villi are visible throughout the field;
• metal strip - located on the left along the entire length;
• number - always ten-digit, series - EEE (paper forms) or XXX (electronic versions).
• since 2018 all issued. Having recognized it with a smartphone camera, you can get all the information from the official PCA database (the corresponding web browser page will open).

You should find everything in the policy necessary information about the policyholder, the insured, the validity period, the sum insured and the premium. Empty fields are crossed out. The amount of the insurance premium must be the same on the form and on the receipt issued upon payment.

At the time of the conclusion of the contract, the insurance company must have a valid license giving the right to conclude OSAGO contracts, otherwise the policy issued by it is considered invalid.

Check by number

You can more accurately check the policy online on the PCA website. Here you will have to fill out the proposed form, where you need to enter the series, the number of the form.

After the introduction of a one-time verification code on the website, which will appear in the picture, the search result will be received from the PCA database. The authenticity of the policy is confirmed if the status "In the possession of the policyholder" is issued by its number. However, it is better for you to compare the name of the insurer and the duration of the contract with the data indicated on the form being checked. If something doesn't match, it might be fake.

The status can be designated as "In the possession of the insurer". This does not mean that your policy is forged or invalid. Perhaps a company employee simply did not confirm the issuance of this policy in a single database. However, if this status has been maintained for a long time, the situation with the insurer should be clarified so that the status of the policy can be changed.

If, during the online check, the database gives the result "Invalid", "Lost", it means that the authenticity or validity of the policy has not been confirmed and this document is not valid at the time of the check. In this case, it would be advisable to contact the representatives of the insurance company and police officers, as well as buy new policy OSAGO, if you intend to use your vehicle further, without waiting for the end of the showdown.

It is important to remember that, despite the high reliability of such an online check, PCA cannot guarantee protection against a duplicate of the current policy. Fraudsters can draw up exactly the same document with the same number and the same insurance terms, but a different vehicle. Then, when searching in the database, the status of the policy will be the same - "In the possession of the policyholder", that is, the duplicate will be recognized by the program as valid as the original.

At the slightest suspicion that you have a duplicate in front of you, again refer to the PCA database and check which car was insured under this agreement. After filling in the requested data, you will receive the following results:

• vehicle registration number,
• VIN / body number,
• policy status,
• the name of the issuing insurance company.

If the information received does not match with those that you see in the paper OSAGO policy, be sure to contact your insurer to clarify the circumstances and write a statement to the police.

Check by car number

In some cases, you need to find out the policy number. This happens when the policy is lost and it needs to be restored, or when the insured in an accident does not have it with him, but the number is needed to be included in the accident notification. You can find out about the availability of "car insurance" and specify the number of the CTP policy according to the data of the vehicle itself. To search in the PCA database, you will have to enter the numbers:

• registration (in Cyrillic plus region code),
• body,
• chassis.

In most cases, only one vehicle registration number is sufficient to receive a response. But if after entering the data about the number insurance policy does not show up, you will have to fill out the entire form. At the same time, it is important to remember that the possibility of accidental errors cannot be excluded, both when filling out the request form, and when issuing a policy and transferring its data to the PCA database. This can also cause the lack of results after a search in the database, although it is quite a rare occurrence.

When filling out the request form, be sure to indicate current date... Thus, you will find out not only the policy number, but also confirm the fact of its action on this moment time.

Upon this request, you can get the number and series of the OSAGO policy, but also information about the drivers admitted to driving the insured vehicle. This is important when there are several of them and it is necessary to know for sure whether a particular person had the right to drive a car. To obtain such information, you must specify in the request data from the driver's license. Enter the series and number of rights - and you will be given an answer whether this person for the use of the insured vehicle. Be extremely careful when entering signs. A series can consist not only of numbers, but also of letters. Entering Russian letters in Latin may lead to data corruption and a negative search result. The number always consists of 6 digits, but they must also be entered correctly.

It should be remembered that only one number driving license not enough to check the OSAGO policy and find out its number. If you are interested in this particular data, you will have to supplement the information with the above information.

Checking by the license number will be useful in the event of an accident, and will also allow you to check the correctness of entering the data when drawing up an insurance contract and subsequent changes that can be made to the list of persons who are allowed to drive a car. Mistakes accidentally made by insurers distort the PCA database data, cause a lot of inconvenience to motorists when checking them by patrol officers. If such inconsistencies are identified, contact the insurers with a request to check the policy and the accuracy of the data in the database and, if necessary, make an adjustment.

Each car owner should remember that he can easily check the "car insurance" policy for authenticity himself by sending an online request to the PCA. Upon receipt of a negative answer, he is obliged to apply with this form to his insurance company and request an internal investigation. His security service will deal with the issue of the legitimacy of the extradition of this policy and looking for fraudulent agents who wrote it out or faked it. If the company cannot resolve this issue on its own, then it is worth involving the police in the case. But, as a rule, any self-respecting company independently cope with the resolution of such a situation.

Often, policyholders learn that the CTP policy is invalid only after the occurrence insured event... However, large insurance companies strive to maintain their reputation in the market and not lose customer confidence, therefore they often meet their client halfway and can make a payment insurance compensation even on such a policy. There is also a possibility and a very high chance of obtaining compensation for damage through the courts. But when filing a lawsuit, the car owner must confirm that he received the form from an employee of the insurance company itself or from its agent and paid insurance premium for him by presenting the policy form and a receipt for payment of the insurance service to the court.

Information

First of all, about why you need to check the CTP policy... The fact is that fake OSAGO 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, stolen or lost original forms are also considered counterfeit policies.

You cannot buy:

• Blank (unfilled) policy form
• If the receipt or form of the policy indicates a different amount than the actual payment
• Not all signs of authenticity have been met
• And also, in no case, do not make any changes to the OSAGO policy yourself.

Visual authentication

• In height, the form of the CTP policy is slightly longer than the standard A4 sheet (about 10 mm.)
• The front side contains a special bluish-green microgrid throughout the entire area of ​​the blank
• Must contain a clearly visible watermark with the PCA logo
• On the back (right) there should be a 2 mm wide protective metal strip.
• The form contains blotches of red villi
• The paint should not be smeared and will not remain on the 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 1 May 2015, only forms with the EEE series can be issued

Insurer's credentials check

Insurance company in mandatory must be properly licensed. The insurance policy will be invalid if such a license no longer has the status of valid, for example, revoked or suspended.

If the policy is sold by an insurance intermediary (agent), then he must check the availability of a valid power of attorney from the insurance company. Check the data in the power of attorney: the name of the company, the passport data of the insurance intermediary, the validity period of such a power of attorney, what kind of contracts the bearer can conclude.

Checking the OSAGO policy by the number in the PCA

The PCA 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.

With the help of our service, you can online check the OSAGO policy against the official PCA database. To do this, you only need to enter 10 digit number of the form to be checked (you do not need to enter a series, only a number). After verification, you will immediately receive the following data: the series and type of the policy, which insurance company it belongs to, and, most importantly, the status of its license.

Data source: RSA (Russian Union of Auto Insurers).

If your policy is not in the database or, according to the PCA, is assigned to another insurance company, then you cannot purchase such a policy, this is an obvious deception.

OSAGO: we will not let ourselves be fooled

Fake OSAGO policies

In light of the rise in tariffs, counterfeiting of compulsory motor third party liability insurance remains an urgent problem. Therefore, be careful when purchasing these policies.

If you find a fake policy, then immediately contact the police. At the same time, you still have to buy a legal policy.

There is also a criminal penalty if you know that you are buying a knowingly fake OSAGO form (including an empty one) - article 327 of the Criminal Code of the Russian Federation.

Check the current OSAGO insurance policy by its number

When copying a number, use the "paste" command of the context menu, and also enter a verification picture.

In case you want to check electronic policy OSAGO, then choose the XXX series, they have only this series.

Received data: validity period of the OSAGO agreement, insurance company and policy status.

Counterfeit forms-twins for OSAGO insurance actively "go around the hands" of motorists. Arbitrage practice shows that there are still forms in circulation that are listed as "lost", stolen from brokers or insurers, as well as 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 who wishes to secure a possible unfavorable situation in advance and personally check the policy for authenticity. To do this, you need to visit online service with a complete database on compulsory car insurance, where to find out the period of insurance activity and the surname and name of the actual policyholder of any car (including someone else's), both by the series and number of the policy, and by the registration numbers of the vehicle.

Visual principles continue to apply

Previously, experts advised to check the policy only to carefully look at the document received in your hands:

• To make letterhead about 1 cm wider and longer than A4 size paper;
• The PCA logo was present in the security watermarks;
• Multicolored microscopic villi are evenly distributed over the entire surface;
• A brazed metal strip was located on the left edge;
• The document number is composed of ten numeric characters;
• EEE Series - for policies obtained directly from insurers;
• Series XXX for electronic insurance;
• CCC series, used until 2015.

The requirements for accurate filling stipulate that: all available information should be entered in the appropriate columns, and in the absence of any data, the field should not be empty, but be crossed out with a clear line. The information on the form also includes the amount paid by the insured according to the receipt as an insurance premium. In order to avoid problems, the client was asked to make sure that the insurer had a license, and it was not 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 PCA decided to fight against shadow tendencies with the same measures, namely, the creation of a single electronic database with free access for everyone.

Determine the status of the document by its series and number in the PCA database

It is convenient and simple to check the OSAGO policy for authenticity on the PCA website. You go to the service and fill out the form:

1. Select the appropriate series (EEE or XXX) from the options offered by the system.
2. Enter the number of the insurance contract.
3. Go through the security check of the entrance to the site by selecting the code according to the proposed picture.

In the window that opens, the system will provide you with the necessary information and the status of the insurance policy:

• "Located with the insurer" - the resource will give such an answer if the CMTPL agreement was concluded recently, and information about it has not yet been entered into the PCA database. An interested user needs to wait a while or immediately begin to clarify the position, if the contract is not already new, but it is not in the database ...
• "Invalid" or "Lost" - the contract is invalid and there is a reason to apply either to the company to conclude another contract, or to law enforcement agencies to protect their interests.
• "Located with the policyholder." Having received such a status upon request, for reliability, compare whether the data on the insurance terms and the name of the insurer that entered into the contract is the same. - If "Yes", then the verification of authenticity can be considered successful, but given the resourcefulness of the world of fraudsters, one cannot immediately recognize it as reliable, because there may be a "double" with identical details on hand. This is why PCA recommends taking another test, which will be discussed below.

Which car is insured?

On the same resource, follow the link and enter the data into the form. After processing the information received, the system will issue:

• Registration mark of the car 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 available documents on motor vehicle and if they match, then there is no longer any reason for excitement. If you find discrepancies in these data, you should submit a written request to the insurance company with a requirement to investigate the cause of the discrepancy.

Only the car number is known

The Internet resource of auto insurers also provided for such a possibility of checking the policy, which is very valuable, especially in cases of a traffic accident, when one of the parties cannot clearly present either the contract number or the date of its conclusion.

Go to the PCA service, enter the data that you have in the field of the proposed form in Russian characters. For example, it can only be a registration mark or a collection of information, including: an identification number car and registration plate, taking into account the region code, chassis and body numbers. In the first case, checking the policy for authenticity may be successful, but not always. Expanded information narrows the scope of the search, so an accurate result is obtained.

Date matters

When filling out the online policy check form, it is important to indicate only the date that is significant for the solution 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 solving issues with a third party - a participant in an accident, then enter in the form the date when an unpleasant event occurred, requiring, for example, monetary compensation, because in such cases, the activity of the contract at that moment matters.

Other features of the official PCA website

There are times when, in order to resolve a dispute, or correct errors found during the inspection of the policy by a traffic police inspector, it is necessary to find out whether restrictions are included in the CMTPL contract or is it concluded without them? This information is just as important when you need a list of drivers allowed to drive a vehicle at a certain time.

The request is included in the policy check form, where the series and number of the driving license are entered. Recall that a Russian-style driver's license is filled with Russian letters. Where 4 alphanumeric characters represent the series, and 6 numeric characters represent the document number. If you have a permit, the system will confirm and respond to the request with a green field.

Note! Knowing only the series and number of the driver's license, it is not yet possible to determine the number of the policy in which it is listed in the list of allowed persons.

Note to the motorist

It is known that sometimes the reason for the refusal to pay insurance compensation, both to the victim and to the party guilty of an accident, is the fact that the wrong car is insured under the existing OSAGO contract. Note that according to the Law "On MTPL", such actions of insurers are recognized as illegal even if there are duplicate policies, if the company has no evidence that the form was stolen. Therefore, even persons with an invalid policy have a fairly convincing chance of recovering losses in judicial procedure, where it will be established that the contract was concluded and the payment for insurance services was made in full. This was reported in the recommendations of the Supreme Court of the Russian Federation.

How to proceed 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 to the insurer company claim letter, and then sue her in court. To resolve the issue, you can involve a lawyer (the costs will still be paid by the guilty party), or you can act on your own.

In conclusion, we recall that how to proceed if it was not possible to confirm the authenticity of the policy on the PCA website?

In this case, you should apply to the insurance company with a request to conduct an internal investigation and attach a copy of the existing policy to it. Usually such a measure is sufficient, but some citizens have to seek justice by calling on investigators from the competent authorities for help, who will have to establish why the concluded contract was invalid.

The check is carried out on the official website. For correct interaction with the form, select the series and enter the form number (only numbers).

Confirm that you are not a robot by passing computer test. Then click the "Search" button.

If the check shows that the insurance number is genuine and the data has been entered into the PCA database, the next page will open.

She will look something like this:

The following data will be available:

CTP policy statuses

All of the following also applies to contracts executed in electronic form.

Located with the policyholder. The policy is in the hands of the client (buyer) and the insurance company has transferred the information to a single database of the Union of Auto Insurers. Check carefully for compliance with the date of the contract and the name of the insurance company. A common fraud scheme is a fake policy, which has the same series and number, but it was issued at a different time and is registered with another motorist.

Located at the insurer. The form is available from the insurance company or from an agent / broker. It is possible that the insurance has already been purchased, but the check through the service issues "Located with the insurer." In this case, the data has not yet been transferred to the PCA (making changes can take from 5 minutes to a whole day or more). The most correct decision would be to call the insurer or online check policy on the company's website. If such a possibility exists.

Spoiled. Applies to policies that are handed over to the insurance company and are marked as damaged.

Abolished. This status is assigned if any changes occur. In this case, talking on the phone may clarify the situation.

Lost. This is the status of the forms, in respect of which the insurer has declared as lost or stolen.

Otherwise, if the check fails, you will remain on the search page.

All contracts compulsory insurance civil liability contracts concluded after September 1, 2014 are recorded in a single automated information system Russian Union of Auto Insurers. Insurers are required to upload data to the portal within one working day from the date of the new contract. So check

the OSAGO policy for the authenticity of PCA allows any policyholder who has this document in his hands. Authentication makes it possible to avoid damage from the actions of fraudsters.
To check the OSAGO policy in the AIS RSA on the association's website, you need to go to this section of the RSA website - https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.

1. Verification insurance blank by number. For verification, you need to select a series of documents from the drop-down list, indicate its number and the date on which you need to provide data. After confirming the security code, the screen will display the status of the requested form. It is worth noting that from July 1, 2018, when concluding an auto insurance contract, only CMTPL forms of the KKK or MMM series are issued.

Verification is available for both paper and electronic forms. The policy can have several statuses:

• "Is with the policyholder" - the document is genuine and handed over to the policyholder.
• “Is with the insurer” - the document is still with the insurer or the insurer has not yet submitted information to the AIS RSA. For this reason, it is better to check the OSAGO insurance form for authenticity a few days after the conclusion of the contract.
• “Expired” - the policy is no longer valid. The reason why the document has lost its validity can be found out by checking which vehicle is insured under this document.
• “Lost” - the policyholder has provided the insurer with information about the loss of the document.
• “Printed by the manufacturer” - the form for filling has not yet been submitted to the insurer for work.

Unfortunately, fraudsters can fake a valid CTP policy, so in order to make sure that the document is authentic, it is worth additionally checking which car is listed on the insurance form.

2. Checking information about the vehicle insured by the OSAGO agreement. To do this, you must fill in the information about the series of the form, enter its number and indicate the date on which the data must be provided. After confirming the code, information about the insured car will be displayed safely on the screen: license plate and VIN code.

3. Check "from the opposite": specification of the policy number according to the vehicle data. For such a check, you will need to indicate the VIN number, license plate, body number and chassis number of the car. When specifying a license plate, the region code is indicated at the end, all data is entered without spaces and additional characters. After specifying all the data, the page will display information about the name of the insurance company, the number of the insurance form and the type of insurance contract.

If an insurance contract is concluded with the admission to driving a vehicle of a limited circle of persons, at the second stage of the check, the system will offer to check whether a particular driver is included in the policy. To do this, you will need to indicate the series and number of his driver's license. It is worth noting that if changes to the policy data were made recently (1-2 days ago), they might not have time to be displayed in electronic system, so it's worth returning to checking the information a little later.

In addition to the ability to check the CMTPL policy for authenticity, the PCA website contains a memo for motorists warning against fraudsters. In order not to become the owner of a fake auto insurance form, it is worth:

• check that the insurance company has a valid license for the right to carry out OSAGO on the website of the Bank of Russia;
• draw up documents only in sales offices of insurance companies;
• check the documents of brokers and agents confirming their right to sell policies on the official websites of insurance companies;
• you should not purchase insurance documents through couriers who bring completed forms to your home;
• do not pay for services in cash.

Information from a forged document is not transferred to the IAS RSA, therefore the owner of such a form will not be able to use the accumulative system of the KBM. Naturally, in the event of an accident, such a document does not provide for insurance payment and all possible financial costs are passed on to the driver. In accordance with the Criminal Code of the Russian Federation, the use of a fake policy and its presentation to an employee of the State Traffic Inspectorate is a crime.

If, after checking the OSAGO policy for authenticity on the PCA website, it turned out that the insured is the owner of a fake document, you must immediately contact the internal affairs bodies with a statement about fraud committed against him.