How to check the authenticity of the OSAGO policy in different ways

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In this article we will learn how to check the OSAGO insurance policy for authenticity, and why this is necessary. Don't worry, it doesn't take long to sort out the issue, but you'll be able to prevent many of the problems associated with having "fake" insurance.

Why check the authenticity of OSAGO

Since OSAGO is a kind of "obligation", some drivers consider its acquisition a formality and do not suffer from doubts about its validity.

But in vain! Checking the authenticity of the OSAGO policy by number is a matter of one minute, but these sixty seconds will save you from very serious problems. Firstly, if your insurance is found to be fake, you may be prosecuted under article 327 of the Criminal Code “Forgery of documents.”

Secondly, if an accident occurs through your fault, you will have to pay the damage at your own expense. It doesn't matter to the insurance company whether you knew that your policy was fake or not. If the document is fake, then this contract was not concluded. So the insurancethe company did not receive a bonus from you, and you are not en titled to any compensation from it.

In such a situation, you can only contact the police to find the intruders who sold you a fake, and recover damages from them. And there are no guarantees of success. Therefore, it is easier to lay straws and ask yourself in advance how to check the OSAGO insurance policy for authenticity.

Quick Check Online

The most convenient way to make sure that everything is in order with your insurance is to “break through” it on the basis of the PCA (Russian Union of Insurers). To do this, you need to go to the website of this organization and check the authenticity of the OSAGO policy by a ten-digit number.

It is not necessary to wait for the purchase of insurance in order to carry out this operation. Verification can be done right at the time of the transaction. When you go to apply for OSAGO, take a mobile phone or tablet with Internet access with you. Ask the agent for the form they are going to enter your details on and use the PCA website to verify the authenticity.

If the "paper" has the status of damaged, lost, stolen, then do not buy such a policy. Also, if you find that the form is issued for another insurance company instead of the one with which you intend to conclude an agreement, then you should refuse to cooperate.

By the way, with the help of the PCA database, you can not only check the authenticity of the OSAGO policy, but also find out about its existence if you are the injured party in an accident. With just one registration number, you can find out if there iswhether your "abuser" has insurance.

The disadvantage of this method is that the absence of a policy in the database does not yet mean its invalidity.

Visual check

It is possible to check the authenticity of the OSAGO policy without the PCA base, if you know well what security features the forms of this document have. Take a good look at your insurance and make sure it has all the features listed below.

1. Document has a green tint. If you purchased OSAGO after May 1, 2015, then the policy series must be EEE. If shortly before this date, then BBB. The remaining series are no longer used, as well as the blue forms.
2. The letterhead is approximately one centimeter longer than regular A4 paper (210 x 297 mm).
3. The policy number consists of ten characters and has a relief (that is, you can feel it with your finger).
4. The front side of the policy has a special texture. It feels different from ordinary paper and resembles the surface of a banknote.
5. There is a 2mm wide metal thread on the back side. It should be diving and be on the same level with the paper, that is, when palpating, its relief is not felt.
6. The guilloche pattern on the front side has a relief.
7. There are small red hairs on the surface of the blank. In ultraviolet light, they glow, but it is unlikely that it will be possible to check this in domestic conditions. But fake villi are not as easy as it seems, so their very presence already inspires confidence.
8. When considering the form forthe watermark "PCA" should be visible to the light.

In other words, forms are protected no worse than banknotes. Therefore, it is quite realistic to verify the authenticity of the OSAGO policy only with the help of just looking and feeling. However, scammers are also on the alert, and technology is developing. Therefore, such an inspection will not give a 100% guarantee.

Contacting the insurance company

Perhaps you do not trust electronic methods and visual study, or these methods did not lead to a clear result. Then there is nothing left but to check the authenticity of the OSAGO policy by contacting the insurance company personally. Explain to employees that you have suspicions and ask them to see if there is a contract with you in the insurer's database.

Electronic OSAGO

Separately, it is worth talking about the electronic OSAGO policies, which began to be issued in the summer of 2015. Since such a method of implementing an auto-citizenship has a number of difficulties, it is currently available only to clients of Rosgosstrakh, RESO-Garantia, Renaissance Insurance and IC Tinkoff.

You can check the authenticity of the CMTPL electronic policy only by contacting the insurance company or the PCA database. Don't do it visually. But the chances of getting a fake is very small. Unless due to a very big carelessness. After all, the document is drawn up directly on the official website of the insurance company. Just take precautions:

1. When issuing a documentmake sure that you are really on the official website of the insurance company - check its address in the corresponding browser field.
2. Refuse offers to buy insurance on the agent's website, even if a significant discount is offered. An auto citizen cannot be sold at a discount, its prices are regulated by the Central Bank. Purchase a policy exclusively on the website of the insurer!

If a fake is found

If it turned out that your insurance is a fake, immediately start issuing a real policy. Next, take the fake to the police and write a statement. So you protect yourself from being accused of falsifying documents.

Now you know where you can check the OSAGO policy for authenticity, and how to avoid the tricks of scammers. Be vigilant!