Check your insurance policy by state number. Check your insurance policy by car VIN number

This method allows you to check a duplicate policy. This is when the same real policy number is printed on several forms and sold to gullible car owners. Let’s say you check the policy by series and number and it turns out to be real, but it may not be issued for your car.

Based on the results of the search, you will find out the VIN and state number of the car for which the insurance policy was issued. Same status insurance policy on the verified date and the policyholder company. Compare with your car. Does it fit? This means the policy is real and issued for your car.

All that remains is to check who is included in the insurance.

The check can be done on any of the points or all at once. That is, you can enter just one state number and start checking the search for an MTPL policy. The vehicle registration number is entered in full with letters and region without rus (х111хх11 - letter, numbers, letters, region).

After checking, compare the series, number and company of the policyholder with the policy being checked. A second check point immediately appears - by series and number driver's license, you can find out whether the driver being checked is registered or not.

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 insurance policy number itself, to make online check OSAGO based on RSA.

Checking an MTPL policy using the RSA database by number takes less than 1 minute. The procedure takes place online.

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.

Let's look at why and how the check is carried out.

Purpose of car check

This is the same check as the previous one, only on the contrary, here, according to the car data, you ask which insurance company you are insured with, the policy number and its type (limited or unlimited). The VIN check is extremely thorough. Using the license plate, we only look for what information the insurance company provided (they don’t always do this on time).

Unified OSAGO database online (check policy)

Autocode suggests checking your MTPL policy using the RSA database. Our service will allow:

• Find out the insurance number and policy series;
• Check until what time the policy is valid;
• To know insurance company, which issued the MTPL;
• Find out the cost of compulsory motor liability insurance and tax.

To check insurance, you must provide VIN or state registration number auto. Information is provided according to data from the RSA database.

Fake MTPL insurance does not belong to the insurance company or is listed as lost. Naturally, such a policy will not be considered valid. The Autocode service will allow you to detect a problematic situation and identify an unscrupulous insurer. This information will be useful not only to potential car buyers, but also to insurance agents.

You can check your MTPL insurance policy by wine or car number right now in the window at the top of the page.

Checking a vehicle by VIN

Anyone can get their car checked on the database, and you don’t have to leave your home.

The only thing you need is your insurance policy number, car license plate number or VIN code.

So, the verification algorithm looks like this:

1. go to the website www.autoins.ru;
2. select the appropriate option;
3. fill out the electronic form (VIN, state registration number of your vehicle, body and chassis numbers, as well as the date on which the request is oriented).

After this, the system will give you all the necessary data. If a car owner has questions, experienced consultants are on duty on the site around the clock. Therefore, you don’t have to worry, any of your questions will be resolved by experienced insurers.

Determining the OSAGO contract number

Fake MTPL policies

Let's look at the signs of invalid insurance policies for which people pay real money.

How to recognize counterfeit

Fake OSAGO policies are quite common these days.

If you are the unlucky owner of such a linden tree, be prepared for the fact that in case of an accident, you will have to solve the issue “on your own.”

How to recognize counterfeit? First of all, let’s clarify what a high-quality fake looks like:

1. changed policy (for example, the date on the document has been changed);
2. double policy - that is, this is one single contract, supposedly concluded for two people;
3. expired policy sold again;
4. a policy from an insurance company that has long disappeared from the RSA radar.

Visual check of the policy

When visually inspecting the document, pay attention to the following points:

• a standard document form is slightly longer than an A4 sheet by about 10 mm;
• the front side of the form is “decorated” with a greenish micromesh;
• mandatory presence of watermarks when translucent paper;
• interspersed red fibers;
• the paint should not crack and remain on your hands;

IMPORTANT The form number (ten digits) is printed in the upper right corner - it should be slightly convex.

Verification of the insurer's credentials

Before concluding a contract, be sure to pay attention to the following points.

By modern standards, a CASCO policy is quite expensive. And many representatives of insurance companies offer a good discount on insurance. Having received such a document in your hands, you need to check its authenticity - there is a possibility of buying a fake.

The second reason to check the CASCO policy is to confirm its originality when purchasing a used car. If you sell a car for which voluntary insurance has been issued, it is possible to change the beneficiary. In this case, the seller increases the price of the car to justify the cost of the policy.

Why you need to check your CASCO policy

CASCO is voluntary insurance of movable property against the risk of theft, theft, complete destruction and damage. The policy is quite expensive for owners when compared with MTPL. Insurance will cost you 4-12% of market value car, while compulsory insurance has frameworks established at the state level. Therefore, when selling your vehicle, which is still covered by CASCO, the seller wants to return at least part of the money spent. This inflates the price of the car, and the buyer is warned about the current insurance. At the same time, this situation is beneficial for the buyer - issuing a new policy will cost much more than what the seller offers.

Buying a used car often raises the question of how to check whether it has CASCO insurance. The reason for its occurrence is trivial - a potential buyer wants to verify the authenticity of the insurance so as not to overpay for a missing or counterfeit document. CASCO insurance can significantly increase the selling price of a car.

Often the sellers themselves are not aware that they have a fake policy on their hands. When purchasing insurance from agents, rather than directly through an insurance company, there is always a risk of receiving a falsified document that has no legal force.

Why do you need a CASCO check:

1. Using a fake document, it is impossible to receive payment in the event of an insured event. And it will be pointless to fight the insurer in court - the law will remain on the company’s side.
2. An insured who uses a forged document may be subject to a complaint in court regarding the circulation of falsified documents.
3. The insurer may accuse the policyholder of being in cahoots with scammers who distribute fake CASCO insurance.
4. The presence of this policy provides a guarantee of receiving payment for the restoration of the car. Otherwise, you will have to bear the costs of compensation for the damage caused.

How to check CASCO yourself

You can check your CASCO policy yourself by identifying external signs fakes. What you need to pay attention to:

1. The document should not contain unclear numbers and letters, erased numbers. Go over the entire policy with your eyes, make sure that the font is the same everywhere.
2. The absence of a hologram is one of the signs of a document being faked, and of very poor quality. The policy must have security fibers and watermarks indicating the authenticity of the form.
3. If the policy has the insurer’s seal and the manager’s signature, then this is one of the confirmations of the authenticity of the document.
4. Along with the policy, the policyholder is issued an agreement detailing the terms and conditions of the insurance. Both documents must have same number and date of issue.
5. Carefully check your information on the policy to ensure it is accurate.

How to check a CASCO policy by number

To verify the authenticity of the document, it is worth checking the CASCO policy by number. This can be done at the insurance company where the document was issued. You need to call the numbers listed on the organization’s website (not on the policy) and ask for a check. This feature is also available in online mode on the website of some companies.

CASCO check is not available through RSA. Through the union of auto insurers, you can only obtain information about the reliability of the MTPL policy. At voluntary insurance information is not transferred to the RSA database.

How to check online

Many insurance companies provide the opportunity to check the purchased policy by number. To obtain information about the authenticity of a document, you need to indicate the document number in a special form and send a request. This is quite convenient - it allows you to get information about insurance from home.

But this method has its drawbacks:

1. Small companies have not equipped their websites with this function. Therefore, you will have to personally contact the organization’s office to check.
2. To obtain information, you need a CASCO policy or at least its number. When contacting the insurance company in person, the presence of the policyholder will also be required. The seller may refuse to provide information.
3. The policy can be original, but issued for several cars at once. In this case, it also cannot be used for its intended purpose. And upon request, you will receive information that the policy is valid.
4. The service may not work properly.

For the reasons listed above, verification by number is not always possible. And if the deal “burns”, then you need to look for another way to obtain information so as not to lose profitable option, but also don’t overpay for fake insurance.

Checking through third-party services

Another way to check your car insurance policy is to turn to third-party services. For a small fee, you will receive information about the authenticity of the document and other important information about the car you are purchasing.

The main advantage of using this method is the ability to carry out verification from home. To obtain information, you only need Internet access and a few minutes of free time. You don't have to contact the insurance company and call them while waiting for business hours.

A large number of organizations offer their services, but we recommend paying attention to the AutoHistory service. If you are interested in quickly receiving information for a small fee, please contact us.

Check CASCO policy by car number

Our online vehicle history check service on site Russian Federation offers to check the CASCO policy by car number or VIN code. It's fast and convenient - you don't even have to leave your home. Moreover, the request can be made without leaving the car. While you inspect the body and internal parts of the car, our service will process the information and you will receive a full report.

How to check:

1. Enter the vehicle's license plate number or VIN code into the special form.
2. Enter the email address where the generated report will be sent.
3. Pay for the report. The cost of the service is only 199 rubles.
4. Receive the finished report by email.

The request is processed within 15 minutes. The system spends this time checking the car using several databases at once.

Advantages of using the AutoHistory service

We recommend that you always check your CASCO policy to ensure its authenticity, even if there is no premium for the car. Remember that it is prohibited to use a fake document - this will result in administrative and criminal liability. Therefore, it is worth spending a little less than 200 rubles to verify the authenticity of the insurance and safely use it without restrictions.

Why you should use the AutoHistory service:

1. We have a reliable search for information about any vehicle registered in Russia.
2. The inspection does not require the presence of the owner, or even documents for the car. It is enough to know the state number of the car.
3. You will receive the report online via a hack-proof link, as well as by email.
4. The search is carried out across several public, private, commercial and social sources.
5. The information is current as of the date of access. Databases are updated daily.
6. We are constantly working to expand the number of sources through which cars are checked.
7. It is convenient to send a request through a mobile application - this can be done at the vehicle inspection site.

On our service you can not only check your CASCO policy, but also other information about the car:

• Number of owners since the car was released. It is not always possible to obtain data on the exact number of former owners through the PTS. If the car's passport was replaced due to lack of space for the new owner, then a duplicate with blank fields is issued.
• Finding a car wanted for theft. If the car has been stolen and is in a regional or federal wanted list, then you will learn about this from the report.
• Presence of encumbrances and restrictions. It is impossible to re-register a car with encumbrances, so it is worth obtaining information as early as possible about the presence of restrictions in the implementation of legal transactions in order to refuse the purchase.
• Equipment, factory options and other basic information about the car.
• Number of accidents with their description. Information is important to ensure that the machine has not been seriously damaged.
• Fines. If the current owner often violated traffic rules and exceeded the speed limit, this could have a negative impact on the condition of the engine.
• Information about CASCO and OSAGO policies.
• Passed maintenance and other information.

The report consists of 5 pages and contains only the necessary information.

Buy the report and make sure that the car has a CASCO insurance policy. All information received will be useful for the potential buyer and the new owner.

The OSAGO insurance policy number is a numerical expression contained on the form.

It has a specific format and, when decrypted, provides information about the organization, which was the issuer of the policy, about the date of receipt of the documents, about the region and other important encoded information.

Upon acceptance Federal Law, which was intended to oblige citizens to insure motor third party liability, the presence of a liability insurance certificate for road users began to significantly simplify the procedure for compensating for losses incurred by victims.

In a situation where an accident has occurred, very often citizens have questions such as: does the other participant have insurance, does it continue to be valid, and most importantly, will it be able to pay off material costs.

How to find the information you need?

The opportunity to check your MTPL insurance policy against the database of Russian auto insurers is a real gift for citizens.

The search will not take much time. You can quickly find the data of a damaged car using the vehicle's license plate number.

In order to carry out a similar procedure, you need to make sure that both cars involved in the accident have damage.

Also, you need to check whether the other participant in the accident has an MTPL policy, even if he is unwilling to provide the document. This can be done on the official website of Russian auto insurers.

State number of the car

Vehicle number is an individual registration mark. It is printed on a reflective sheet of metal structure white framed in black. The number is pressed into the material, thereby maintaining its presentable appearance for a long time.

The car sign indicates the administrative unit of the state where the car is registered. Numbers are issued at the traffic police department, depending on the current series. The car number, despite the fact that it is a fairly short numeric and alphabetic display, contains the most important information.

Using the vehicle's state registration number, you can find out the following important information:

Agree, the information is comprehensive so that even if a person escapes with accident scene, find it by contacting the insurance company and bring it to justice.

Step-by-step instruction

1. To do this you need to open your browser.
2. Enter the phrase “Russian Union of Auto Insurers” into the search bar.
3. Go to the official RSA website.
4. In the menu items that open, select “check MTPL policy.”
5. You will see a page on which there is a form that asks you to enter the data you have.
6. Today the portal has undergone some changes, so perhaps you will get to it new version. In this case, you must first click on the menu item “information for victims and participants in road accidents,” and only then proceed to fill out the form.
7. The state number is entered into the corresponding empty field.
8. If you have additional information about the body or chassis number, you can enter that too. However, they are not necessary to obtain comprehensive data.
9. The resource will ask you to display a certain code to prove that you are not a robot. Do it.
10. Wait for the request to complete. You will receive the result of the request on the screen, and you can also send it to yourself by email.

As a result of the request, the user will be shown all the basic data about the registered insurance document that is related to the car whose license plate you entered.

If, in addition to the vehicle registration number, you know other equally important data, then you can also enter them in the field. Thus, you will complete the data processing procedure a little faster. Having received the necessary information, you can contact the branches or office of the insurance company.

Also, you can directly contact the policy owner and discuss the details of compensation for damages for the accident.

Do not refuse the help of qualified private organizations

They will help you quickly get the information you need. In addition, private organizations will not only give you information about the owner of the insurance policy, but will also contact him.

We hope that the amount the company asks for its services will not be too high for you.

A person can also contact the insurance company office directly, if you are sure that the registration number of the car is under the jurisdiction of this organization. The insurance company and employees will help you find out if any insurance policy has been registered on the car's registration number.

It is the insurance company that will be able to contact the policy owner in order to find out how issues regarding damage compensation will be resolved.

Unfortunately, very often citizens of our country manage to falsify state registration plates . This is done so that cameras recording speed violations cannot track the car, as a result of which a fine will not be assessed.

First of all, let’s figure out where exactly on the insurance policy form the so-called number we are interested in is located. Basically, all forms of insurance policies in the form of compulsory motor liability insurance have a green tint and approximately the same structure.

If you look directly at the document, then The insurance policy number will be indicated in the upper right part of the document. As a rule, this is a 10-digit numeric code that characterizes the code of the department that issued this document, as well as other features that are known only to employees of the insurance organization.

The insurance policy number is entered into a unified database of Russian auto insurers. Basic information on the form is attached to this code, which can be obtained by anyone who owns the data about the number. Thus, using the policy number, one can easily determine the validity period of the form, its owner, as well as other necessary data about the car and its owner.

Is it possible to find a driver?

Of course, you can find a driver by his policy number. However, you can check different ways, and which one to choose is up to you. Why is this opportunity open only to those citizens who have knowledge of the form number?

It's actually simple. The portal of the Russian Union of Auto Insurers has been operating since 2013. From now on the portal is the most important information resource for policy holders according to the MTPL form. This portal offers citizens access to information in the form of a library.

However, the data is not sorted alphabetically, as we are used to seeing in library card files, but by the license plate number of the policy. That is, having information about the form code, you can get comprehensive information, just like from a card in a file cabinet.

Absolutely any citizen who has the necessary information can obtain such information.

Step-by-step instruction

Today it is possible to find out the owner of an MTPL policy by number in various ways. These methods are suitable for very busy people, for those who cannot leave the house, and for those who value personal communication with the insurer. Let's consider three options for finding the owner of the MTPL policy by number:

First of all, if you purchased an insurance document not at the office of an insurance company, but from an intermediary, and you did not find a mention of your document in the RSA database, most likely you contacted a fraudster.

Do not believe the promises of the intermediary, who says that the data in the PCA database appears a long time after the purchase of the policy. This is wrong. The database is updated daily, information about you must be entered within 24 hours from the date of purchase.

The second nuance is related to the fact that When contacting the insurance company, you must have mandatory identification documents with you. Employees will give you information by number insurance form in case you are the owner of the document, his closest relative or participant in an accident, in which you had to face the owner of the policy.

Using the insurance policy number, the company’s office should provide you with information about the citizen’s initials, its owner, the validity period of such a document, as well as other data about the car. If an insurance company employee refuses to give you a document, this means that most likely you have no reason to receive the data. In any case, you can contact the head of the organization.

If you want to purchase a car second-hand and want to find out whether it was once registered vehicle OSAGO policy, you can do this at the company’s office, but only on condition that you provide the completed purchase and sale agreement, as well as your passport. Only in this case will the employee give you confidential information.

Due to the high cost of an insurance policy, there is a possibility of purchasing a fake, especially from agents who can be found in any city. Checking the policy for the authenticity of the PCA is the buyer’s task; its main goal is to find out whether the insurance is real or fake. If you purchase fake insurance, you will not be able to contact the company for compensation.

Information for policyholders and victims can only be obtained if the policy is authentic, which is sold in:

• insurance companies, it is important to have an appropriate license to sell car insurance;
• agents are representatives sent by a company to sell policies. They have a corresponding percentage of the transaction;
• Brokers are like agents; they are also intermediaries.

The insurance company provides a monetary reward for the sale of each policy. There are insurers who prefer to sell fake policies, taking all the funds for themselves. To protect yourself from them, there is a database; you can obtain information online based on your insurance policy.

The danger of purchasing a policy from an insurance company without the appropriate license or fake insurance in the absence of payment when an insured event occurs. Another risk is that the legislation contains penalties for data falsification. If the traffic police check your insurance, criminal liability may arise. Such punishment occurs only if there is evidence of intentional use of the document.

Thus, entering the insurance number in the database is a necessary condition for purchasing compulsory motor liability insurance.

Where can you check the MTPL for authenticity?

There are several ways to find out whether your data is entered into the insurance company and whether everything is completed correctly:

1. The easiest way is to go to the official website of the RSA (Union of Automobile Insurers of Russia). To check, you must enter the policy serial number, which is indicated on each form. The service requires this code and then click “Check”. In a matter of seconds, information on the number will be generated and will be provided on the website;
2. Through traffic police officers, all you need to do is provide a form. If the answer is negative, a fine may apply;
3. Having manually studied the OSAGO policy. Each form has special security marks; they are worth studying, as this will help to draw a conclusion about the authenticity of the document.

How to check the authenticity of OSAGO without the Internet

There are 3 ways to authenticate without going online:

1. Ask the traffic police officers. Here you can check your MTPL policy by car number. To do this, follow the nearest stationary post. This technique dangerous due to the risk of receiving a fine. In this case, employees may refuse to perform the procedure.
2. In the company where the car is insured on the basis of the issued document. You should go to the company’s office and ask to check the availability of an insurance policy and its conditions;
3. Find differences in the issued form from standard sample, this will indicate that the OSAGO policy is fake.

When manually checking, you should pay attention to compliance with the requirements and the availability of a certificate provided by a single insurer.

Distinctive features of the document:

• quality of material for the manufacture of an MTPL policy. The original form was made at a printing house using thick paper. Fake versions use a regular printer and standard paper;
• the presence of watermarks provided by the Russian Insurance Agency with a characteristic logo. You should not contact the insurance company without this sign, because it will be a fake;
• On top of the original OSAGO policy there is a corresponding inscription: “insurance policy for motor third party liability of vehicle owners”, the meaning must be given to the word “owners”. Fake versions often use the word "owner" ;
• The MTPL policy issued from the printing house and recorded in the database contains a special protective grid, which has an individual order and contains 3 colors. This factor is often not taken into account by unscrupulous policyholders;
• the presence of a metallized strip is a reliable identification tool that allows you to recognize a fake at first glance. Fraudsters do not have this option;
• There should be fibers on the surface of the OSAGO, they can be seen in good lighting. Protective fibers will be missing or not visible in any light;
• availability of the series and number of the OSAGO form. The details have a convexity, this can be easily felt when touched. The fake version has no lint. Using low-quality paint can lead to marks on your hand.

The absence of at least one of the listed points indicates a high probability of forgery, if a quality check is carried out.

Online check of OSAGO for authenticity

For faster and more accurate policy verification, you should use tools with Internet access, since there are a large number of them. Even if you don’t have a smartphone or computer with the Internet, you can visit a special club.

There is a single database that will allow you to quickly find out all the information about the policy. In addition to simply having insurance, you can clarify the bonus-malus coefficient and get advice from the company’s specialists.

To carry out the check you can use the following methods:

1. Go to the insurance company’s website; almost all policyholders have their own resources. The most popular are Rosgosstrakh, Alfa insurance, Ingosstrakh, RESO. There is a special section on the company’s website with the appropriate name; you just need to enter the form code and a verification code to protect against robots. If the MTPL policy is invalid, it will be shown in the “Status” section - “Document has lost force.”

How to check authenticity by OSAGO policy number

A good trend is to provide a link from the insurer’s website to the PCA database, which contains all the necessary information and acts as a guarantee of the reliability of the data and the policy itself.
Checking MTPL by policy number

Checking on the RSA website can be carried out using various information:

• details indicated on the form;
• vehicle number;
• driver's license information.

To perform the check you should:

1. Go to the official website - http://autoins.ru/ru/index.wbp.
2. Next, go to the “Verify Authenticity” tab.
3. You should click on the first line to obtain information about compulsory motor liability insurance and the date of the agreement.
4. A form will be shown that you need to fill out with the document number and enter the security code.

After checking, the following may be shown:

• the form was not found, therefore the person is facing a fake;
• The insurer has an MTPL policy with the name of the company (the document exists, but it has not yet been issued)
• the policy is valid;
• the certificate has become invalid, which usually means the document is overdue.

Checking the MTPL policy for the car number

To check your MTPL policy by car number, use a similar procedure:

1. Go to the RSA website and go to the “Information for road accident participants” section;
2. The proposed form is filled out indicating the necessary information: vehicle VIN number, state sign, body and chassis number. The date on which the check will be carried out and the security code are indicated as auxiliary data.

If everything is completed correctly and the policy is original, a check will be performed and the relevant data will be provided:

• details of the contract for compulsory motor liability insurance;
• the name of the insurance agency that issued the document;
• information about the driver or drivers who, according to the contract, can drive the car.

Within the framework of the service, it is not possible to obtain information about the date of conclusion of the contract and its termination. For more detailed information, you should use the previous method of document verification.

By driver's license code

To obtain information about your MTPL policy, you can use the details from your driver’s license. To determine insurance names you should:

1. On the RSA website, go to the section titled “Data for insurance companies that are needed to find KBM.”
2. Correctly enter driver information.

As a result of the procedure, the person receives a similar message as during previous checks. An auxiliary function of the service is to establish the bonus-malus coefficient.

Video

How to avoid becoming a victim of scammers

To avoid scammers you need to:

• do not sign contracts for compulsory motor liability insurance in places not intended for this purpose: street, car, cafe, apartment, etc.
• When signing the contract, be sure to ask for a license. The relevance and authenticity of the license is checked; there are online services for this.
• After drawing up the documents, it is necessary to check the correctness of all data. Otherwise, even a small mistake can lead to the invalidity of the policy and the inability to receive insurance compensation.

Care when purchasing compulsory motor liability insurance and thorough checks are the key to the authenticity of the insurance.