Where to look for an MTPL policy on State Services: 5 ways to find and download

Why an MTPL policy may “disappear” from State Services and where to look for it

You have issued electronic insurance policy through Public services, but now you can’t find it? This situation is familiar to many car owners, especially after updating the portal interface or changing the device. The fact is that the policy does not “disappear” without a trace: it is simply moved to another section of your personal account or requires additional actions to be displayed.

In 2026, the algorithm for storing documents on Public services has changed: now electronic MTPL policies are automatically archived 30 days after expiration. In addition, if you purchased insurance through partner services (for example, SberInsurance or Ingosstrakh), the document can be stored not in the main partition, but in "Service Stories". Let's consider all the possible places where your policy may be “hiding”, and what to do if it is not there.

Where is the MTPL policy stored in the State Services personal account?

The main place where you should look for an electronic policy is the section "My documents". However, the path to it depends on how exactly you took out insurance. Here are all the possible options:

• 📄 Section "My Documents" → tab "Insurance". All active and archived policies are displayed here, including MTPL. If the document is issued through Public services directly, he will be here.
• 🔍 "Service History" → filter by category "Transport and Driving". If the policy was purchased through a partner service (for example, AlfaInsurance), it can be found in this section.
• 📂 Documents archive. Policies older than 1 year are automatically moved to the archive. To see them, click "Show archive" in the upper right corner of the section "My documents".
• 📧 Notifications. After registration, the policy is sent to the email address associated with your account. State services. Check the folder "Inbox" or "Spam" — there may be a letter with a PDF version.

If you do not find the policy in these sections, the problem may be related to the technical settings of your account. For example, if you have account not verified or SNILS is not linked, some documents may not be displayed. Also, the policy may “disappear” from view if you changed phone number or email, linked to the profile.

Step-by-step instructions: how to find and download an MTPL policy

If you know for sure that the policy was issued through Public services, but don’t see it in your personal account, follow these instructions:

1. Log in on the portal Public services under your account (preferably with a verified identity).
2. Go to section "Service Catalog" → "Transport and Driving" → "OSAGO".
3. In the block "My policies" click "See all". All active and expired insurance policies will be displayed here.
4. If you don't have a policy, check "Service history": "Profile" → "History" → filter by category "Insurance".
5. The found policy can be download in PDF (button "Download") or send by mail (button "Send").

Important: if the policy was issued through a third-party service (for example, Tinkoff Insurance), it may not be on Public services at all - check the personal account of the insurance company.

Check if your State Services account is confirmed|Make sure your SNILS and passport are linked|Check the “Spam” folder in your mail|Contact State Services support via chat|Check your insurance company’s personal account-->

What to do if the OSAGO policy is not found: 4 working methods

If you have double-checked all the sections but still haven’t found the policy, don’t panic. Here's what you can do:

1. Restore access to mail, tied to State services. Often the policy is sent to email as a PDF file with a subject line “Your MTPL policy from [date]”.
2. Check SMS archive. When registering, you usually receive a message on your phone with the policy number and a download link.
3. Contact your insurance company. Indicate the contract number (if any) or vehicle details - they will restore the document in 5-10 minutes.
4. Write to State Services support through "Feedback" (section "Help"). Please indicate that the policy is not displayed and attach a screenshot of the error (if any).

⚠️ Attention: If you have lost access to mail and phone numbers associated with State services, it will be more difficult to restore the policy. In this case, you will have to personally visit the office of the insurance company with your passport and PTS.

If the policy was issued until 2020, it may not be in electronic form - before this, many insurance policies were issued only on paper. In this case, request a duplicate from the insurer's office.

How to print an MTPL policy from State Services: 2026 requirements

From January 1, 2026 electronic insurance policy has the same legal force as a paper one. However, traffic police inspectors may require you to show the document in one of the following formats:

• 📱 On the smartphone screen - just open the PDF file on your phone and show it to the police officer.
• 🖨️ Printed out - must be clear, with a readable barcode and policy number.
• 💾 On a flash drive or laptop — suitable for those who always carry a device with them.

To print the policy correctly:

1. Download the PDF file from your personal account State services or mail.
2. Open it in a PDF viewer (for example, Adobe Acrobat Reader).
3. Make sure the document shows:
   • Policy number (20 characters)
   • Owner and vehicle details
   • Validity period
   • Barcode (if available)

Print on white A4 paper (color printing is optional).

⚠️ Attention: If, when printed, the document turns out to be blurry or without a barcode, the traffic police inspector may consider it invalid. In this case, show the original on your phone screen.

Table: where to look for an MTPL policy depending on the registration method

Design method	Where to look for a policy	How to download
Via Public services directly	"My documents" → "Insurance"	Button "Download" → save to PDF
Through a partner service (SberInsurance, Ingosstrakh)	"Service History" → filter "Transport"	Follow the link in the story → download on the insurance website
Via mobile application Public services Auto	Section "My policies" in the application	Click on the policy → "Share" → "Download"
At the office of the insurance company	Insurer personal account or email	Request a duplicate via chat or office
Through a broker or agency	Broker's email or personal account	Contact your agent for a copy

Common mistakes when searching for an MTPL policy and how to avoid them

Many car owners make the same mistakes when trying to find a car insurance policy. Public services. Here are the most common of them:

• 🔎 Searching in the wrong section. For example, they only check "My documents", forgetting about "Service Stories".
• 📱 They don't update the app. In older versions State Services Auto policies may not be displayed.
• 🔄 Account doesn't sync. If you are logging in from a new device, the data may not be loaded automatically - you need to click "Update" in the profile.
• 📧 Ignore mail. Letters from State services there can be a lot, and the policy is easy to miss among the spam.

To avoid these errors:

1. Always check all possible sections ("My documents", "History", "Notifications").
2. Update the application Public services and Public services Auto to the latest version.
3. Turn on notifications from State Services in your profile settings so as not to miss important emails.
4. If the policy disappears after changing your phone number, log in to your old device and transfer the data.

What to do if there is an error in the data on the policy?

If an error is made in the electronic OSAGO policy (for example, an incorrect VIN or full name), it must be urgently reissued. To do this:

1. Contact the insurance company with your passport and PTS.

2. Write a request to correct the error (usually done free of charge).

3. Receive a new policy within 1-3 days.

If the error is not corrected, the policy may be invalidated by an accident or a traffic police inspection.

FAQ: answers to frequently asked questions about the MTPL policy on State Services

Is it possible to drive without a printed OSAGO policy if it is available at State Services?

Yes, from 2026 electronic policy on your phone has the same strength as paper. The main thing is that the document is readable, with a visible number and expiration date. However, the traffic police inspector may ask to show the original on the screen (not a photograph!).

What should I do if the State Services says “Policy not found”, but I applied for it?

Possible reasons:

• The policy was issued through a third-party service (check your email or your insurance account).
• The account is not verified (you need to go through verification with your passport).
• There is a technical problem with the portal (try logging in later or from a different device).

If all else fails, contact support State services or to the insurance company with the contract number.

How to restore access to your MTPL policy if you have lost access to mail and telephone?

In this case, restore the policy through Public services it won't work. You need:

1. Contact the insurance company office with your passport and PTS.
2. Write an application for a duplicate (a payment of 200–500 rubles may be required).
3. Receive a new policy in paper or electronic form.

You can also try to restore access to your old mail or SIM card through your operator.

How long is the MTPL policy kept at State Services?

Active policies are stored alwayswhile the insurance is valid. Overdue documents are moved to the archive and are available within 3 years from the end date. After this, they can only be requested from the insurance company.

Is it possible to download an MTPL policy from State Services to someone else’s computer?

Yes, but for this you need:

1. Log in to your personal account State services on any device.
2. Go to section "My documents" → "Insurance".
3. Click "Download" and save the PDF to your device.

Important: After downloading, log out of your account if the computer is not yours!