Obtaining information about drivers allowed to drive a car under the policy OSAGO, is a task that every car owner or policyholder faces. The need to check the list of registered persons arises when selling a car, renting it, registering an accident, or simply to control the use of the vehicle. However, not everyone knows that this information can be obtained remotely - without visiting the insurance company’s office.

In 2026, the verification procedure has become easier thanks to digital services RSA (Russian Union of Auto Insurers) and State services. However, there are nuances: for example, data on a limited policy is not available to everyone, and unlimited insurance does not contain a list of drivers at all. In this article we will look at how to legally and quickly find out who is included in your policy. OSAGO, what documents are needed for this, and what to do if the information is not available.

Important: if you are not the owner or policyholder of the policy, access to data will be limited - this is stated in Federal Law No. 40-FZ. But there are legal workarounds, which we will also cover.

1. Check through the official RSA website

The most reliable way is to use the service RSA (Union of Auto Insurers). This method works for limited policies, where specific drivers are listed. For unlimited policies (labeled "unlimited") there is no driver list by definition.

To check the data:

  • 🔹 Go to the website dkbm-web.autoins.ru (service for checking electronic policies).
  • 🔹 Enter series and policy number (20 characters, for example XXX 1234567890 12345678).
  • 🔹 Specify Vehicle VIN or license plate number (required!).
  • 🔹 Enter the captcha and click "Check".

The system will show basic information about the policy, including Drivers' full names, if they are included. If there is no data, it means the policy is unlimited or the details entered are incorrect.

⚠️ Attention: The PCA service may not display the full names of drivers if the policy was issued before 2017 or through some insurance companies with unique conditions. In this case, request the data directly from the insurer.
📊 How often do you check the list of drivers in your OSAGO policy?
Never checked
1 time per year
Before selling/buying a car
After every accident

2. Check through State Services (for owners and policyholders)

If you are car owner or the policyholder according to the policy, you can request data via Public services. This method is suitable for checking both electronic and paper policies.

Instructions:

  1. Login to gosuslugi.ru (verified account required).
  2. Go to section Transport and driving → My cars.
  3. Select the car for which the policy is issued OSAGO.
  4. In the "Insurance" block, click "View policy".

The system will display insurance details, including a list of drivers (if the policy is limited). If there is no data, check whether the policy is linked to your account. To do this:

  • 📌 Enter the policy number manually in the “My Policies” section.
  • 📌 Wait for synchronization (may take up to 24 hours).

Check that the policy is in your name or that you are listed as the owner of the car|

Make sure that your State Services account is confirmed (via your passport or SNILS) |

Enter your policy number manually in the "My Policies" section|

Contact State Services support if the data does not appear after a day -->

3. Request to the insurance company: step-by-step instructions

If online methods do not work, all that remains is to contact the insurance company directly. This is relevant for:

  • 📄 Old-style paper policies (until 2017).
  • 🔒 Policies issued through brokers or agents.
  • 🚗 Cases when the car owner and the policyholder are different persons.

How to submit a request:

  1. Prepare documents:
    • 📋 A copy of the passport (of the policyholder or the owner of the car).
    • 📋 Copy of PTS or STS (to confirm ownership).
    • 📋 Policy number OSAGO.
  2. Write a statement in free form with a request to provide a list of drivers. Sample: 
    Please provide information about drivers authorized to drive vehicles [make, model, license plate number],

    under OSAGO policy No. [number] dated [date]. Owner/policyholder: [full name].
  3. Send a request:
    • 📠 By mail (registered letter with notification).
    • 📧 To the insurance email (listed on their website).
    • 🏢 In person at the company office.

Response time: up to 10 working days (according to law on compulsory motor liability insurance). If the insurance company ignores the request, you can complain to Central Bank of the Russian Federation or RSA.

⚠️ Attention: Some insurance companies charge a fee for providing historical data (for example, for policies older than 3 years). Please check this before submitting your request.

4. Checking through mobile applications of insurance companies

Many insurance companies (for example, Ingosstrakh, RESO-Garantiya, SberInsurance) have their own mobile applications where you can view policy details. This is convenient if:

  • 📱 The policy was issued online through this company.
  • 🔑 You have access to your personal account.
  • 🚗 You are the policyholder or the owner of the car.

Application example SberInsurance:

  1. Open the application and log in.
  2. Go to section My policies → OSAGO.
  3. Select the required policy and click "Details".
  4. In the “Drivers” block there will be a list of registered persons (if the policy is limited).

If there is no application, check the web version of your personal account on the insurance website. For example, at AlfaInsurance There is a section “My contracts”, where all current policies are displayed.

💡

If you have lost access to your personal account, restore it via email or phone number linked when you issued the policy. Do not create a new account - this may duplicate data.

5. Alternative methods: when all else fails

If standard methods do not work, try:

Method When to use Required data Deadline
Request to RSA via the feedback form If the online check does not show drivers Policy number, VIN, passport details 5–14 days
Contacting a broker (if the policy was issued through him) For policies purchased from intermediaries Agreement with broker, policy number 1–3 days
Verification through a notary (for inheritance matters) In case of disputes regarding inheritance Owner's death certificate, PTS 10–30 days
Request to the traffic police (if fraud is suspected) If the policy is fake or the data does not match Policy number, car details, application up to 30 days

If you are buying a used car, be sure to ask the seller for the original MTPL policy and check the data with the title. Fraudsters often fake policies with non-existent drivers to hide limitations.

What to do if the policy indicates deceased or disqualified drivers?

If the list of registered persons includes a person who has died, lost his license or no longer drives a car, it is necessary to urgently make changes to the policy. To do this, contact your insurance company:

- death certificate (if the driver died),

- a copy of the decision on deprivation of rights (if the driver is deprived of a driver’s license),

- an application to exclude the driver from the policy.

Without these actions, insurance may be invalidated in the event of an accident.

6. Common mistakes and how to avoid them

When checking a list of drivers, many encounter typical problems:

  • ❌ Typos in the policy number. Check the series and number against the documents - even one mistake will invalidate the request.
  • ❌ Attempting to check someone else's policy. Data will not be provided without the consent of the owner or policyholder (except for court requests).
  • ❌ Ignoring the validity period of the policy. If your insurance is expired, information may not be available in online services.
  • ❌ Checking an unlimited policy. In this case, there is no list of drivers by definition - anyone with a license can drive a car.

To avoid errors:

  1. Always check VIN or license plate number with the data in the policy.
  2. If the policy is electronic, save its PDF version to email or the cloud.
  3. When buying a car, ask the seller not only for a policy, but also certificate of absence of an accident (this will indirectly confirm the relevance of the data).
💡

If you can't check your policy online, it doesn't always mean it's a scam. It is possible that the insurance company has not yet transferred the data to the RSA (this takes up to 5 days after registration).

Is it possible to find out who is included in the MTPL by the license plate number of the car?

No, this information cannot be obtained from one license plate number. To check you need:

  • 🔢 Policy number OSAGO.
  • 🔢 VIN car or PTS/STS data.

Without this data, RSA and State Services services will not provide information about drivers.

What should I do if a person is included in the policy without my consent?

This is possible if:

  • 📝 The policy was not issued by the owner of the car (for example, a renter or relative).
  • 🔄 Data has been changed without your knowledge (fraud).

Solution:

  1. Contact your insurance company to request exclusion of the driver.
  2. If the policy was issued by fraudsters, file a police report.
Can the insurance company refuse to provide a list of drivers?

Yes, if:

  • 🚫 You are not the owner of the car or the policyholder.
  • 📅 The policy is overdue for more than 3 years (data is archived).
  • 🔒 The information refers to trade secrets (for example, corporate policies).

In such cases, you can request data through the court or a notary (in case of inheritance).

How to check if the MTPL policy is fake?

Signs of a fake:

  • 🔍 The policy number is not in the RSA database.
  • 📅 Date of registration is later than the current one.
  • 🖼️ The insurance company logo is blurred or does not match the original.
  • 💰 The cost of the policy is significantly lower than the market price.

Check the policy on the RSA website or through the mobile application Public services Auto.

Is it necessary to include a new driver in the policy if he is temporarily driving the car?

Depends on the type of policy:

  • 🔒 Limited policy: Yes, it is necessary to make changes (otherwise, in the event of an accident, insurance will not cover the damage).
  • 🌐 Unlimited policy: No, any driver with a license can drive.

Making changes costs ~500–1500 rubles (depending on the insurance company).