Have you lost your MTPL policy or can’t find its number? This situation is familiar to many drivers - especially when they urgently need to present their insurance data to a traffic police inspector or to file an accident. Policy number OSAGO required not only during inspections, but also for online checking the validity of insurance, issuing electronic documents, or even when selling a car.

In this article we will look at all possible waysHow to find out your MTPL number - from the classic paper policy to modern electronic services. You will learn where to look for the number in documents, how to restore it via the Internet, and what to do if the insurance is not issued to you. And also - how to distinguish a fake policy by number and why some verification methods may not work.

1. Where to look for the OSAGO number in a paper policy

If in your arms original paper policy, the OSAGO number is the easiest to find. It is listed in several places in the document to minimize the risk of data loss. Here's where exactly:

  • 📄 Upper right corner - usually the policy number is in bold and consists of 10 digits (for example, XXX1234567).
  • 🔍 Line "Series and number" - in some forms the number is indicated along with the series (for example, AAA No. 123456789).
  • 📌 Bottom of the policy — sometimes the number is duplicated below the barcode or QR code.

Important: in old forms (until 2019) the number could consist of 9 digits or include alphabetic characters. If your policy was issued a long time ago, check its relevance - perhaps it’s time to get a new one.

⚠️ Attention: If the policy number is printed unclearly or is blurred, do not try to “recover” it yourself. Contact the insurance company - they are obliged to issue a duplicate free of charge (according to Law No. 40-FZ).

What to do if the policy is not at hand? Let's move on to the next method.

2. How to find the OSAGO number in the electronic policy (E-OSAGO)

Since 2017, a system has been in place in Russia electronic MTPL (E-OSAGO). If you purchased insurance online, your policy number can be found:

  • 📧 In a letter from the insurance company — after registration, a PDF file with the policy will be sent to your email. The number is listed at the top of the document.
  • 🌐 In the insurer's personal account - go to the company website (for example, RESO, Ingosstrakh, SberInsurance) and check the "My Policies" section.
  • 📱 In the mobile application — many insurance companies offer applications where the policy number is displayed on the main screen.

If you have lost access to your email or do not remember which company issued the policy, use RSA service (Russian Union of Auto Insurers). There you can check all current policies by VIN or vehicle number.

📊 How do you usually store your MTPL policy?
On paper in the car
I save the PDF on my phone
I keep the insurance account in my personal account.
I don't remember where he is

3. Checking the OSAGO number through the RSA website

RSA (Russian Union of Auto Insurers) - this is the official database of all current MTPL policies. To find out your insurance number through this service:

  1. Go to the site dkbm-web.autoins.ru.
  2. Enter Vehicle VIN or vehicle registration number.
  3. Specify STS series and number (certificate of registration).
  4. Click "Check". The system will show the policy details, including its number.

This method works even if you don't remember which insurance company issued the policy. However, there are nuances:

  • ⏳ The RSA database is updated with a delay of up to 3 days — if the policy has been issued recently, it may not be displayed.
  • 🚫 If the car not on you, the check may not work (requires access to owner data).
⚠️ Attention: On fake PCA sites (for example, with a .com or .net domain), car data can be stolen. Always check the address - the official website ends with .autoins.ru.
💡

If the PCA check did not work, try entering the VIN without the last two characters - sometimes this helps with errors in the database.

4. How to find out the OSAGO number through the traffic police or State Services

If you have access to personal account on State Services, you can try to find the policy number there. To do this:

  1. Login to Public services.
  2. Go to the "Transport and driving" section → "My vehicles".
  3. Select the desired car - if a valid MTPL policy is attached to it, its number will be indicated in the vehicle information.

An alternative way is to contact traffic police. The inspector can check the availability of a valid policy in the database, but this will require:

  • 📄 Present STS and passport.
  • 🚗 Be near the car (to check license plates).

Please note: traffic police does not issue the policy number directly - they will only confirm its presence or absence. To obtain accurate data, you will still have to contact your insurance company.

5. OSAGO number in the car documents: where else to look

Sometimes the insurance number is duplicated on other vehicle documents. Check:

Document Where to look for the OSAGO number Notes
Diagnostic card In the "Insurance Policy" or "MTPL Data" section Only if the card was issued after 2015
Sales and purchase agreement In the paragraph "Conditions for transfer of the vehicle" (if the seller indicated) Not all sellers provide this information
Payment receipt In the purpose of payment (for example, "OSAGO No. 123456789") Relevant for payment via bank
PTS OSAGO number in PTS not specified This is a common misconception!

If you found your policy number in one of these documents, double check it via RSA - sometimes there are typos.

Check all paper documents in the car|Check your email for letters from the insurance company|Check with the previous owner (if the car was purchased recently)|Contact the insurance company with your passport and STS-->

6. What to do if the OSAGO number cannot be found

If none of the methods help, follow the algorithm:

  1. Contact your insurance company — call the hotline number (listed on the insurer’s website) and say:
    • Full name of the policy owner,
    • vehicle data (VIN or license plate number),
    • date of registration (at least approximate).
  • Check SMS messages — many insurance companies send the policy number via SMS after registration.
  • Order a duplicate - if the policy is lost, the insurance company is obliged to issue a new form free within 5 working days.

    • If the insurance company refuses to help or you don’t remember where you took out the policy, the last option remains - issue a new one. This is legal: according to clause 1.7 of the OSAGO Rules, a driver may have several valid policies for one car.

    ⚠️ Attention: Never buy a “restored” OSAGO number on third-party sites. This is fraud - such a policy will be invalid and you may be fined 800 rubles (Part 2 of Article 12.37 of the Administrative Code).
    What happens if you drive without compulsory motor insurance?

    If you do not have a valid MTPL policy, the traffic police inspector has the right to:

    - Fine 800 rubles (Part 2 of Article 12.37 of the Administrative Code).

    - Prohibit the operation of the car (removal of license plates) until the policy is presented.

    - In the event of an accident, recover damages in full from the culprit (even if the accident is not your fault, but you do not have insurance).

    7. How to check the authenticity of OSAGO by number

    Finding your policy number is half the battle. It is important to make sure that it valid. To do this:

    1. Go to the RSA website (dkbm-web.autoins.ru).
    2. Enter the policy number in the "Checking information about the MTPL policy" field.
    3. The system will show:
      • Start and end date of validity,
      • Insurance company details
      • Information about the car.

    If the site gives an error or the data does not match, these are signs fake policy. Other warning signs:

    • 🚩 The policy number consists of less than 10 digits or contains invalid characters (such as letters W, O, I).
    • 🚩 The insurance company specified in the policy, doesn't exist or excluded from the RSA.
    • 🚩 Policy issue date over 1 year, but it still "acts".

    If you find a fake, immediately contact the insurance company (if you applied through it) or the police. Using a fake MTPL is equivalent to driving without insurance and is punishable by a fine.

    💡

    The only official way to check OSAGO is the RSA website. All other services (including some “checks through the traffic police”) may be fraudulent.

    FAQ: Frequently asked questions about the OSAGO number

    Is it possible to find out the OSAGO number by the owner's last name?

    No, the policy number is not provided by last name - this is a violation of confidentiality. To check you need car data (VIN or state number) or access to your personal insurance account.

    What to do if the OSAGO number does not pass the check on the RSA website?

    Possible reasons:

    • The policy was issued less than 3 days ago (the database has not yet been updated).
    • There is an error in the number (check the symbols for typos).
    • The policy is fake or cancelled.

    Contact your insurance company for clarification.

    Can the OSAGO number consist of letters?

    Yes, in policies old style (until 2019) the number could include letters (for example, ABV1234567). Modern policies only contain 10 digits.

    How to find out the OSAGO number if the car was purchased second-hand and the policy has not been renewed?

    If the previous owner did not provide the policy details, you will have to issue a new one. Re-registration of compulsory motor liability insurance when selling a car not provided — the policy is always tied to the owner, and not to the car.

    Is it possible to restore the OSAGO number using the car number?

    Yes, through the RSA website (dkbm-web.autoins.ru) — enter the license plate number and STS series. If the policy is valid, the system will show its number.