Lost the CSAGO policy before the trip or can not remember where the CASCO contract lies? The situation is familiar to every third driver – according to statistics PSA In 2023, 32% of car owners lost their insurance documents at least once. At the same time, the penalty for the absence of a policy during inspection by the traffic police inspector is 800 rubles (ch.) 2 tbsp. 12.3 Administrative Code), and in the case of an accident without an effective OSAGO - up to 5000 rubles and problems with compensation.

The problem is that most drivers don’t know what they are. Since 2017, all CTP policies are mandatory registered in a single database of PSA, and they can be restored online in 5 minutes.. Even if you're only holding STIS or driver's license. In this article, we will understand All the working ways to find insurance From official services to life hacks with mobile applications, and also tell how to verify the authenticity of the found policy and what to do if there is no data in the database.

Spoiler: If your policy was issued after 2020, the chances of finding it through public services or the PCA website are 98%. For old contracts (before 2017), alternative methods will be needed, which we also described below.

1. Search for insurance through the official website of PSA (for OSAGO)

The fastest and most reliable way is to check through Single base of the Russian Union of Auto Insurers (PCA). Since 2017, all insurance companies are required to transfer data on issued policies to the company within the period of time. 1 working day. Here's how it works:

✅ Pros of the method:

  • 🔍 Data are relevant for 99% of policies issued after 2017
  • 📱 It works from a phone without registration
  • 💰 Free and without SMS.

❌ Cons:

  • ⏳ Does not show history of insurance over 3 years
  • 🚫 Not working for CASCO (only OSAGO)

Step by step:

  1. Go to the site. check-up.
  2. Enter. series and number of the ITS or VININE OF THE CAVIN).
  3. Indicate. capt and press "Find."
  4. The system will show:
    • Number and series of OSAGO policy
    • Start/end date of action
    • Name of insurance company

Check the correctness of the VIN or CTC number | Try to enter the data in 1-2 days (possible delay in updating the database) | Check with the insurance company whether they transferred the data to the PSA | Check whether the policy was issued as "electronic" (then look in the personal account of the insurer)->

⚠️ Attention: If the system gives an error "Polys not found", this does not always mean that it is absent. Possible causes:

  • The policy was issued less than a day ago - the data has not yet been entered into the database.
  • The insurance company violated the data transfer deadlines (this happens with small regional players).
  • Introduced infidel VIN number STIS (check for typos).

2. Verification through public services (for OSAGO and CASCO)

Portal Public services It can also pull data from the PCA, but can also show information about the CASCOIf the insurance company is integrated with the system. The main advantage is that you can see it here. history of all your policies over the last 5 years.

How to check:

  1. Sign in to the Public services (A confirmed account is required).
  2. Go to the section "Transport and driving" → "Verification of insurance CTP".
  3. Enter. state-number or VIN.
  4. The system will display:
    • Existing OSAGO policy (if any)
    • Insurance company and duration
    • If available - data on CASCO (if the insurer is connected to the State Services)

🔹 Lifehack: If you have several cars, in the personal office of public services you can tie everything STIS Check insurance for the entire vehicle fleet.

Once a year before renewal |Only if you lose the policy |Before every long-distance trip |Never checked-->

3. Search through mobile applications of insurance companies

If you remember which company issued the policy, the easiest way to use its official application. Most insurers store electronic copies of documents in clients’ personal accounts. Here are the top 5 apps with the most complete base:

Insurance company Title of the annex What can I find? Download link
RESO-Guarantee RESO Online OSAGO, CASCO, history of policies App Store / Google Play
ingosstrakh Ingosstrakh Online OSAGO, CASCO, electronic policies App Store / Google Play
Alpha Insurance Alpha Insurance OSAGO, CASCO, bonuses for accident-free driving App Store / Google Play
SBERSINSURANCE SBERSINSURANCE OSAGO, CASCO, life insurance App Store / Google Play
Tinkoff Insurance Tinkoff. OSAGO, CASCO, payment history Built into the main application of the bank

⚠️ Attention: If you do not remember which company issued the policy, try to log in through Public services Many applications support fast login on the ESIA account.

💡

If you have several policies (for example, CTP + CASCO), the insurance company’s application usually has a section “My documents”, where they are all collected in one place. Download PDF versions and save them to the cloud (Google Drive, Yandex.Disk) in case of loss.

4. How to find insurance by driver’s license number

Few people know, but the policy of OSAGO can be tied not only to the car, but also to the car. driver. This is relevant if you:

  • 🚗 You are driving someone else's car by proxy
  • 🔑 Insurance with an unlimited list of drivers
  • 📄 Lost your policy, but remember your license number.

Search instructions:

  1. Go to the site. PSA.
  2. Select the tab "Verification of information about the CTP policy according to the driver's license data".
  3. Enter:
    • WU series and number
    • Date of issue of rights
  • The system will show all valid policies where you are listed as an approved driver.

    • 🔹 Important: This method only works for policies with limited-list. If your OSAGO indicates “Unlimited number of drivers”, a search by VU will not give results.

    What if the WW has changed?

    If you have changed your driver’s license, the old policy details remain tied to the previous number. In this case, try to enter the data. old-timer The PCA system stores the history of the bindings.

    5. Alternatives: If there is no insurance

    If none of the above methods worked, don’t panic. Here. 4 backup optionsThis will help to restore the data:

    🔧 Method 1: Apply to the insurance company

    • 📞 Call the hotline (the numbers are on the insurer’s websites).
    • 📧 Write to the support chat or email with the topic “Recovery policy”.
    • 🏢 Come to the office with your passport and STIS You will receive a duplicate (usually free of charge).

    🔧 Method 2: Check through the bank (if the payment was by card)

    • 💳 Go to the payment history of your bank card.
    • 🔍 Find a transaction with the word “insurance”, “OSAGO” or the name of the company.
    • 📩 The payment details usually include the policy number.

    🔧 Method 3: Search in email

    • 📧 Enter the words in the search by mail: “policy”, “OSAGO”, “insurance”, “PSA”, “e-OSAGO”.
    • 📎 Check the Spam and Archive folders – sometimes insurance emails get there.

    🔧 Method 4: Requesting PSA through appeal

    • 📝 Write an official request for site (Section “Feedback”).
    • 📄 Put the scans on. passport and STIS.
    • ⏳ The answer will come within 3-5 working days.
    💡

    If you have made a policy through aggregators (for example, Compare.ru., inshurerCheck your personal account at these sites – copies of documents are often stored there even after the expiration date.

    6. How to verify the authenticity of found insurance

    Finding a policy is half the battle. The main thing is to make sure he real And not fake. Here. 3 steps to check:

    🛡️ Step 1: Data reconciliation in the PCA database

    • Go to the PSA.
    • Enter. policy-number (Specified in the document found).
    • If the system says "Policy is working" - everything is fine.

    🛡️ Step 2: Visually verifying the document

    • 🔹 The front of the CAGS policy should be hologram and watermarks.
    • 🔹 The series and the policy number must match the data in the database.
    • 🔹 The date of issue cannot be later than the current one.

    🛡️ Step 3: Checking the Insurance Company

    • Make sure the company exists and has licensure.
    • Call the number listed on the policy and verify its authenticity.

    ⚠️ Attention: If the inspection reveals that the policy is fake, immediately contact the police and the RSA. The use of a fake OSAGO is punishable by:

    • Fined before 80,000 rubles (ch.) 3 st. 327 of the Russian Criminal Code.
    • Confiscation of the car to the parking lot.
    • Problems with compensation in case of accident.

    7. What to do if there is no insurance at all

    If your search is unsuccessful, you may not have a valid policy. In this case:

    ✅ For OSAGO:

    • 🚗 Get a new policy. online (through) Compare.ru., inshurer or the insurance company's website.
    • 💳 The cost depends on the experience, capacity of the car and the region (from 2,500 to 10,000 rubles).
    • 📱 The electronic policy comes to the post office immediately after payment.

    ✅ For Casco:

    • 📞 Contact your insurance company and check if the expiration date has expired.
    • 🔍 Compare rates on aggregators - sometimes it is more profitable to re-issue a policy from another insurer.
    • 📄 If the car is on loan, CASCO may be mandatory (check the contract with the bank).

    ❌ What can't be done:

    • 🚫 To drive without OSAGO - a fine of 800 rubles at each traffic police stop.
    • 🚫 Buying left-wing policies is a fraud.
    • 🚫 Ignore notices from the insurance company about the delay.
    💡

    From January 1, 2026 in Russia operates electronic format of OSAGO by default. Paper policies are now issued only at the request of the client. This means that even if you do not have a physical document, the policy still works – you can show it to the inspector from the phone.

    FAQ: Frequent questions about finding insurance

    Can I find insurance for the car number?

    Yes, but only if the state number is tied to STIS, which is specified in the policy. For this:

    1. Use the service PSA.
    2. Enter the state number in format A123BC777 (no spaces).
    3. If the car has changed its number, look for VIN.
    What to do if you lose your CASCO policy?

    CASCO is not registered in the PCA database, so look like this:

    • 📱 In the mobile application of your insurance company.
    • 📧 In the mail (the letter with the contract comes at the registration).
    • 📞 Call the insurance and ask for a duplicate (can be paid - from 200 to 500 rubles).
    Can I get my insurance back 5 years ago?

    It's difficult, but it's possible. The PSA database only stores data for the last 3 years, so:

    1. Contact the insurance company with a passport and STIS.
    2. If the company is liquidated, request archival data in the CBR (via the website) Central Bank).
    3. Check your old checks or bank card statements – there may be a policy number.
    How to check if my insurance policy is fake?

    Fake policies are often issued by fraudsters when buying a car or “cheap” design. Check it out.

    • 🔍 A series of policies: the real ones start with XXX, Eh? or C.S.P.S. (for electronics).
    • 📞 Call the insurance and name the number of the policy – they will confirm its authenticity.
    • 🛡️ Enter the data on the PCA website - if the policy is not found, it is fake.

    ⚠️ If a fake is detected, immediately write a report to the police and the RSA!

    Do I need to carry a paper policy with me in 2026?

    No, since 2017, the traffic police inspector is obliged to take policyshown from a phone or tablet. Important:

    • 📱 Make sure the document is readable (not blurred).
    • 🔋 The phone must be charged.
    • 📶 If you do not have the Internet, save the PDF file of the policy in advance.

    However, paper-duplicate It may be useful if:

    • You are traveling to areas with poor internet.
    • Your phone often runs out.
    • You transfer the car to another driver.