Search for an MTPL policy by number and seal: official methods

Have you lost your paper OSAGO policy or do you urgently need to confirm its presence when stopped by the traffic police? In 2026, checking a valid insurance policy number takes no more than 5 minutes - if you know where to go. Electronic policies have the same legal force as paper ones, but they are easy to lose in mail or instant messengers. In this article we will analyze all official ways to find OSAGO by number (including partial number or series), where to download PDF for printing, and how to avoid counterfeits.

Important: from January 1, 2023 RSA (Russian Union of Auto Insurers) completely switched to electronic document management. This means that even if you issued a policy at the office of the insurance company, its original is stored in the RSA database in digital form. However, not all services provide the opportunity printouts — some only confirm the fact of insurance. We will show you where you can not only check, but also receive the policy in printable format with QR code, which will be accepted by the traffic police inspector.

Where you can check compulsory motor liability insurance by policy number: official sources

First rule: never use third party sites to check the policy. Fraudsters often create copies of official services to collect data from car owners. The only legal sources in 2026:

• 🔹 RSA official website (autoins.ru) - a database of all existing MTPL policies in Russia.
• 🔹 State Services Portal (gosuslugi.ru) — linked to the owner’s personal account.
• 🔹 Personal account of your insurance company — if the policy was issued online (for example, Ingosstrakh, SberInsurance, AlfaInsurance).
• 🔹 Mobile application "E-OSAGO"** - for Android and iOS (developer: RSA).

In practice, the most reliable way is to check through RSA, since data is stored there even if the insurance company goes bankrupt or changes its name. However, to print out the policy in PDF format, you often have to contact the insurer directly. Below we will discuss each method in detail.

Step-by-step instructions: how to find OSAGO by number on the RSA website

Service RSA policy checks works around the clock and does not require registration. Here's how to use it:

1. Go to the verification page: dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm.

2. Enter series and policy number (10 digits, for example XXX 1234567890). If there is no series, leave the field blank.

3. Specify captcha (protection from bots).

4. Click "Find Policy".

The system will show:

• 📌 Policy status (valid/not valid).
• 📌 Start and end date of the action.
• 📌 Insurance company data.
• 📌 Information about the vehicle (make, model, license plate number).

Check that the number is entered correctly (no spaces or dashes)

Make sure that the policy was issued no earlier than 2015 (old data may not be displayed)

Try entering only the number without the series

Contact your insurance company for more details -->

Limitation: You cannot download the policy in PDF format on the RSA website - you can only check its availability. To print, you will have to use other methods (see the following sections).

How to print OSAGO if the policy was issued online

If you bought a policy online (on the website of an insurance company or an aggregator like Compare.ru), then a copy of it should be stored in your personal account. Here's how to get the printable PDF:

Insurance company	Link to personal account	Where to look for a policy
Ingosstrakh	lk.ingos.ru	Section “My policies” → “MTPL” → “Download”
SberInsurance	sberins.ru	“Documents” → “Electronic policies”
AlfaInsurance	e-alfa.ru	“My orders” → select a policy → “Print”
RESO-Garantiya	kabinet.reso.ru	“Policies” → “OSAGO” → printer icon
VTB Insurance	online.vtbins.ru	“My Products” → “Car Insurance”

If you don't remember which company you took out your policy through, check email — when purchasing online, it should have received a letter with a policy attached. Use word search: OSAGO, insurance policy, e-OSAGO.

Important: The printed policy must contain:

• 🔘 QR code (for inspection by an inspector via a mobile application).
• 🔘 Series and policy number (matching the data in the RSA database).
• 🔘 Stamp and signature of the insurance company (electronically).
• 🔘 Valid dates (start/end).

Checking and printing OSAGO through State Services

If your policy is linked to an account on Public services, you can check it and download the PDF as follows:

1. Login to gosuslugi.ru.

2. Go to the “Services” section → “Transport and driving” → “Compulsory motor liability insurance check”.

3. Enter car registration number or policy number.

4. The system will show the policy data. If it was issued through State Services, there will be a “Download Policy” button.

Limitations of the method:

• ⚠️ Not all policies are displayed in State Services - only those that were issued through this portal or linked to your account.
• ⚠️ If the policy was purchased before 2020, it may not be displayed.

If the policy is not found, but you are sure it is available, try:

1. Update data in the State Services profile (full name, SNILS).
2. Contact portal support via chat.

What to do if there is no “Download policy” button on State Services

This means that your policy is not linked to your State Services account. In this case, contact your insurance company and request an electronic copy. By law they are required to provide it within 3 working days.

What to do if your MTPL policy number is lost

There are situations when you need to find a policy, but its number is unknown. In this case it will help:

• 📋 Vehicle registration number — you can check the availability of compulsory motor liability insurance through RSA (section “Check by license plate”).
• 📋 Owner details — if the policy is issued in your name, request information from the insurance company using your passport.
• 📋 Check or payment receipt — payment documents usually indicate the policy number.
• 📋 Email - search by words OSAGO, insurance, policy.

If all else fails, contact the central office of your insurance company with passport and PTS. They are required to restore the policy data upon your request. Recovery time is up to 5 working days.

⚠️ Attention: Never share your MTPL policy data (number, series) with third parties over the phone or via instant messengers. Fraudsters can use them to file fictitious accidents or change data in the RSA database.

How to recognize a fake OSAGO policy

According to RSA, in 2023, more than 120 thousand fake OSAGO policies were identified. Here are the signs by which you can recognize a fake:

• 🚨 QR code missing or it is not scanned by the PCA application.
• 🚨 The policy number does not pass verification for RSA website.
• 🚨 Policy start date before the date of its registration.
• 🚨 The policy specifies non-existent insurance companies (check on the website Central Bank of the Russian Federation).
• 🚨 Policy price significantly lower average for the region (check tariffs for PCA calculator).

If you suspect your policy is fake:

1. Check it out via RSA official service.
2. Contact the insurance company listed on the policy (the phone number should be on their official website).
3. If the forgery is confirmed, immediately contact the police and RSA to block a fraudulent policy.

⚠️ Attention: The use of a knowingly counterfeit OSAGO policy entails administrative liability for Art. 12.37 Code of Administrative Offenses of the Russian Federation (fine 800 rubles). In the event of an accident due to the fault of a driver with a false insurance policy, he will have to compensate for the damage from his own pocket.

Common mistakes when printing OSAGO and how to avoid them

Even if you found the policy and downloaded it in PDF format, you can make mistakes when printing, due to which the document will not be accepted by the traffic police. Common problems:

Error	Consequences	How to fix
Print on both sides of the sheet	The QR code may not be scanned	Print on one side only
Using a black and white printer	Colored elements (prints, QR) become unreadable	Print in color or in a print service
Zooming out when printing	Text and QR code are too small	Print at 100% scale (no "fit to page")
The insurer's signature is missing	The policy may be invalidated	Download the policy again (signature must be in PDF)

Printing guidelines:

• 🖨️ Use A4 format and white paper density 80–100 g/m².
• 🖨️ Set your printer to maximum print quality (not "economy mode").
• 🖨️ Before printing, check that all elements are displayed in the PDF (sometimes browsers block fonts from loading).

If you don't have a printer, you can:

• 📱 Show the policy to the inspector from the phone screen (from 2021 this is allowed).
• 🖨️ Print in copy center or through services like Printio, Canon Print.

FAQ: Frequently asked questions about searching and printing OSAGO

Can I drive without a printed policy if I have it on my phone?

Yes, from January 1, 2021 electronic MTPL policy on your phone has the same legal force as a paper one. The main thing is that the inspector has the opportunity to scan the QR code (for example, through the PCA application). However, we recommend that you have a printout with you in case of problems with the Internet or phone charge.

What should I do if, when checking on the RSA website, it says “Policy not found,” but I know for sure that it is valid?

Possible reasons:

1. Error in entering number (check spaces, dashes, case).
2. The policy was issued less than a day ago - the data has not yet entered the RSA database.
3. The insurance company did not transmit data to RSA (violation). Contact them with a complaint.
4. The policy is fake (check other signs).

If the problem is not solved, write a request to RSA via the feedback form on their website.

Is it possible to print OSAGO on a color printer if the original is black and white?

Yes, Print color doesn't matter. The main thing is that all elements (text, QR code, print) are clearly visible. Color printing is even preferable - this makes the QR code easier to scan.

How long does it take to restore a lost MTPL policy?

The period depends on the recovery method:

• 🔹 Through the personal account of the insurance company — instantly (if the policy was issued online).
• 🔹 Upon request at the insurance office — up to 3 working days.
• 🔹 Via RSA — up to 5 days (if manual verification is required).

In emergency cases (for example, before a trip), you can ask the insurance company to send a scan of the policy by email.

What happens if you present the inspector with a printout of the MTPL without a QR code?

According to Order of the Ministry of Internal Affairs No. 664, a policy without a QR code is considered void. The inspector has the right:

• Issue a fine 800 rubles (Part 2 of Article 12.37 of the Administrative Code).
• Draw up a report and send the car to the impound lot (if the insurance policy is completely missing).

If the QR code cannot be scanned due to poor printing, try showing the policy on your phone.