How to check the OSAGO insurance policy for authenticity? Unified OSAGO database

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

Before driving a motor vehicle, the driver must purchase an OSAGO insurance policy. Since 2016, insurers have launched the sale of insurance contracts through official websites. This feature allows customers not to waste time in the office and purchase the service without leaving home. But in this regard, there was a problem of fraud. Therefore, it is important for each owner to know how to check the OSAGO insurance policy. There are several ways to check the authenticity of insurance contracts.

Visual check of the policy

Most policyholders purchase OSAGO policies at the offices of insurance companies. They believe that buying directly from the insurer will prevent fraud. But is the insurance company itself a scammer, and how to check the OSAGO insurance policy on the spot? To do this, pay attention to the form itself.

• Blankstrict accountability is longer than a regular A-4 sheet by approximately 10 mm.
• The color of the document is pink, with villi. The paint must not remain on the hands.
• There are watermarks (PCA logo) that are clearly visible.
• There is a metal strip on the back of the form.
• EEE letterhead series.

If the type of form is in doubt, then you should not purchase a policy from this insurer. You must first check the information about the insurance company, make sure that the settlement of losses is carried out.

Company Verification

There were many insurance companies in Russia. If in 2004 there were 1,280 registered companies in the country, then in 2009 their number decreased and became equal to 743. In 2017, the licenses were revoked, and the number of companies decreased to 237. The deprivation of a license occurs due to the fact that companies violate the law or do not cope with the settlement of losses and become bankrupt. A company that made sales yesterday may not be eligible to do so today. Therefore, before choosing an insurance company, you need to check the availability of a license. Moreover, a license must be for each product.

It is better to find out the list of companies that currently have a license and purchase a policy from them. The list of insurance companies is in the PCA system.

RSA

PCA is a non-profit organization of insurance companies of the Russian Federation, which regulates the sale and operation of OSAGO policies. All insurance companieswho have received a license to carry out activities under OSAGO must become members of this union. Insurers whose license has been revoked by the Central Bank are automatically removed from the society.

RCA activities

The Union of Insurers was specifically created to ensure that the activities of insurance companies were legal.

• The union monitors insurers so that their activities are within the law. Control of activities is carried out constantly, but once every three years there is an on-site control.
• The company is engaged in the transfer of forms for insurance companies. PCA may stop issuing policies or limit their number to suspicious companies.
• PCA could make a post about bad insurers.
• Union can fine companies for non-compliance with PCA rules.
• The society deals with issues of policyholders. It will help the driver answer the question of how to check the OSAGO insurance policy. The PCA will also help to return lost discounts to policyholders (if they really were fixed).

Checking the contract number using PCA

How to check the validity of the OSAGO policy? One of the best ways to determine the authenticity of a contract is to check by number. Often, the fake policy number once belonged to the insurance company but may have been defaced or removed. That is, the status of this OSAGO form is invalid. It may also be that a policy with this number exists and is valid, but only belongs to another person.

Verification Process

How to check the OSAGO insurance policy number? The verification procedure is simple and does not take much time. To do this, you need to go to the official website of the PCA and fill out the search form. PCA is a single OSAGO database, it stores information about all genuine insurance contracts.

In the appeared windows you need to enter information:

• a series of the contract (consists of letters, when buying at the company's office - this is EEE, when purchasing an electronic contract - XXX);
• policy number (ten digits).

After entering, you must confirm that the checking person is not a robot and click the corresponding checkmark. Next, select "Search". A response from the program will be received within a minute.

Program responses:

• Issued to the insured, that is, the policy is valid and is with the client (if the policy is real, then information about the insured himself, his full name, the insured car, and the duration of the contract) should also appear.
• The contract is in the insurance company - means that this policy is in the insurance company and has not been used (you need to re-check in a few days, perhaps the information on the sale of the contract has not yet entered the database, if not, then you need to contact the company).
• The form has expired (this status is usually used for forms that have been damaged by insurance consultants).
• Lost (in case of loss of policies, insurance companies contact the police, and the corresponding number is officially declared as lost, respectivelythey will not be able to pay on it).
• Issued by the manufacturer (this status means that the strict reporting form really exists, but it has not yet been transferred to the insurance company, the scammers stole the number and assigned it to a fake contract).

In the process of checking on a single OSAGO database, you must carefully enter information. Sometimes policyholders get one number wrong and get a completely different answer. Also, you need to use the services of the PCA system five days after the purchase of the insurance contract. Since the information must come to the database from the insurance company, and this does not happen instantly. The duration of the input depends on the transfer of funds for the contract, in addition, all licensed companies in the Russian Federation use the same database.

Base check for duplicates

How can I check the OSAGO policy? Checking with vehicle data helps identify false duplicates. Fraudsters can use the OSAGO form number to sell several policies. For example, when checking the policy number in the database, information about the authenticity of the policy may appear. But it can be sold to another car enthusiast.

Checking is carried out in a similar way, only as a result of the control it is necessary to read the information on the contract. In the window that opens, there will be information about the car: state number, VIN, make of car, start and end of validity, belonging to an insurance company. If the policy is valid and the information converges, then you can safely sit downbehind the wheel. If the information is different, then you need to contact the insurance company and ask to resolve this issue as soon as possible. You can also leave a complaint in the PCA system.

Control by car number

How to check the OSAGO insurance policy? If there is no OSAGO insurance contract at hand, you can use the data of the car. Any data can be used. For example, the state sign of a motor vehicle. You must enter a number in the appropriate cell. It must be entered in full with all numbers, letters, region. Example, A111AA11, where "A" - letters, "1" - numbers and region.

If, as a result of the check, information about the existence of the policy comes out, then you need to check the rest of the contract data (insurance company, contract validity, policyholder data).

Checking the policy by the traffic police

With the advent of electronic policies, there has been a change in checking the availability of documents from drivers by traffic police. Previously, vehicle owners presented employees with a paper version of insurance. If the policy was valid and the information was correct, then the employees let the drivers go. This system is still working, but there have been some changes.

How does the traffic police check the electronic OSAGO policy? The data on the OSAGO electronic policy are in a common database, so the traffic police also use it to identify violators of law and order. When buying an electronic policy, the owner of the vehicle must carry a printed contract with him. But this agreement mayfake because it doesn't have a watermark.

The legitimacy of the policy can be monitored by employees using a special network of IMTS of the Ministry of Internal Affairs of the Russian Federation. This network helps employees receive information about the contract, its validity, the number of registered drivers, their driver's licenses. To do this, they enter information about the state mark of the car and VIN in the search. If the system has not received information about the document, then employees can also use the PCA database.

Checking the electronic policy

How to check the data of the OSAGO policy if it was purchased electronically? Information about online policies enters the PCA system much faster. Verification is carried out similarly to the previous methods. You must also enter policy information or vehicle details. The only difference is that the series of the electronic policy is XXX, and the usual one is EEE.

Scammers often make copies of websites of real insurance companies. A fake site is very similar to a legitimate page, but you need to carefully read all the letters, as there are differences in one character.

Fraud

Often, policyholders themselves deliberately purchase policies from fraudsters in order not to pay a fine. Such actions are illegal and help the development of fraud in the country. The conscious purchase of a fake policy comes from attracting policyholders with low prices as well as confidence in one's driving experience. On average, the cost of a policy is 12,000-18,000 rubles in cities and 6,000 rubles in regions. Fraudsters can offer a policy for 1000 rubles, which is approximately equal to one fine for not having a policy. Of course, the owner of the vehicle can be flattered by such a price. But it's better to pay for a valid insurance policy and be sure of the reliability of the company than to overpay for the restoration of someone else's car.

The absence of an insurance policy is punishable by a fine of 800 rubles. Having a fake insurance policy equals not having one. That is, in the event of an insured event, if the culprit of the traffic accident had a fake policy, then you will have to pay with personal funds. Usually the case goes to court, and the perpetrator has to pay the injured driver the amount of damage, as well as related costs.

Conclusion

How to check if the OSAGO policy is valid? After buying a policy, you need to wait five days for the information to get into the general database. In order to determine the authenticity of the document, you must use the RSA website. You must enter your data accurately, without errors. Since any mistake will result in incorrect information.