To check OSAGO by policy number in the database RSA (Russian Union of Auto Insurers), just enter the 10-digit contract number for official website. The system will provide information about the insurer, validity period and policy status - this is the only legal way to confirm the authenticity of an electronic or paper form. If the policy is not found, this may indicate fraud, an error in the number or a delay in entering data (up to 5 days after registration). Below is an analysis of all the nuances of verification, including typical errors and alternative methods.

Important: starting from 2023, the RSA database has been integrated with EAISTO (Unified Automated Information System for Compulsory Insurance), which speeded up the processing of requests. However, some policies issued through intermediaries or with violations may not be displayed. The verification takes no more than 30 seconds and is free for individuals.

Why you need to check OSAGO through RSA

Fake OSAGO policies are one of the most common fraud schemes in the auto insurance market. According to Central Bank of the Russian Federation, in 2023, more than 120 thousand fake policies were identified, which is 18% more than a year earlier. Checking through the RSA database allows you to:

  • 🔍 Make sure that the policy is included in the unified register and is valid for presentation to the traffic police.
  • 📅 Check expiration dates - scammers often sell expired policies.
  • 🏢 Find out the real insurer (company name and contacts), if the policy was issued through an intermediary.
  • 🚨 Identify duplicates or policies linked to another car.

Without checking, you risk not only a fine of 800 rubles for lack of insurance (Article 12.37 of the Administrative Code), but also full liability for the accident. For example, if the culprit of the accident turns out to have a fake policy, the injured party has the right to recover damages directly from him - the amounts can reach millions of rubles.

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If you are buying a used car, check the previous owner's insurance policy. Fraudsters sometimes “resell” one policy to several buyers, and cancel the original after the transaction.

Step-by-step instructions: how to check your MTPL policy by number

The official RSA service for verification is located at: dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm. The instructions are relevant for all types of policies (electronic and paper):

  1. Find your policy number. It is indicated at the top of the form (10 digits, for example XXX1234567). In the electronic policy, the number is duplicated in the letter from the insurance company.
  2. Go to the RSA website and select the "Checking information about the MTPL policy».
  3. Enter number in the field and the code from the picture (captcha). Click "Check».
  4. Explore the results:
    • ✅ "Policy found" — the data matches the database, the insurance is valid.
    • ❌ “Policy not found” - an error in the number, a delay in entry or a fake.
    • ⚠️ “Policy cancelled” - insurance terminated ahead of schedule (for example, when selling a car).

If the system displays the error “Invalid policy number", check:

  • 🔢 Correctness of input (a common mistake is to confuse the letter O with zero 0).
  • 📅 Issue date: new policies appear in the database within 1–5 days.
  • 📧 Spam folder - if the policy is electronic, the letter with the link may not have arrived.

Check the number for typos|Check with the insurance company for the date of entry into the database|Contact RSA by phone 8 (800) 200-22-77|Check in alternative ways (Government services, insurance mobile application)

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Decoding the scan results: what the statuses mean

The PCA system provides not only confirmation of authenticity, but also additional data. Explanation of key fields:

Field in results What does it mean Example value
Policy number Unique contract identifier EEE1234567
Form series Batch code of forms (for paper policies) XXX or KKK
Insurance company Name and TIN of the insurer LLC "RESO-Garantia", TIN 7706109528
Validity period Insurance start and end dates 01.01.2026 — 31.12.2026
Status Relevance of the policy Valid / Canceled / Not found

Pay special attention to the field “Note" If it says "The policy is issued with restrictions”, this means that the insurance only applies to the drivers listed on it (as opposed to an unlimited policy). The notes may also include information about early termination or suspension.

⚠️ Attention: If the scan results indicate a different VIN or vehicle registration numberthan your car - this is a 100% sign of a fake. Contact the RSA and the police immediately.

Alternative ways to check compulsory motor liability insurance

If the PCA service is unavailable (for example, due to technical work), use alternative methods:

  • 📱 Insurance company mobile application. Most insurers (eg. Ingosstrakh, SberInsurance) have personal accounts where current policies are displayed.
  • 🏛️ Public services. In the section "Transport and drivingCheck compulsory motor liability insurance» You can enter the policy number or license plate number of the car.
  • 📞 Call the insurance company. Check with the operator whether the policy is listed in their database. Hotline numbers:
    • RESO-Garantiya: 8 (800) 200-09-00
    • SOGAZ: 8 (800) 100-00-00
    • AlfaInsurance: 8 (800) 333-0-333
  • 📧 Email. Write to the insurance support with a request to confirm the policy (attach a scan of the document).

Important: data on Public services are updated with a delay of up to 3 days, so for an urgent check it is better to use the RSA website or call the insurance company.

Through the RSA website|In the insurance mobile application|On State Services|I call the insurance company|I don’t check

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Common verification mistakes and how to avoid them

Even with the correct policy number, users often encounter problems. Common mistakes and solutions:

  • 🔄 Typos in the issue. Check the characters for similar numbers/letters (e.g. B and 8, Z and 2).
  • ⏳ Delay in entering into the database. New policies appear in RSA within 1–5 business days. If more time has passed, contact your insurance company.
  • 📵 Technical glitches on the RSA website. Try refreshing the page or use a different browser (recommended Google Chrome or Mozilla Firefox).
  • 🚗 The policy is linked to another car. If you bought a used car, the previous owner may not have canceled the old policy. Check the VIN and license plate number in the results.
  • 📄 Electronic policy not confirmed. After payment you should receive an email with an activation link. Without this, the policy is invalid.

If you are sure that the number is entered correctly, but the system displays “Policy not found", try:

  1. Check with the insurance company on the date the policy was entered into the RSA database.
  2. Check whether the policy was canceled (for example, when selling a car).
  3. Contact RSA via the feedback form on the website or by phone 8 (800) 200-22-77.
What to do if the insurance company refuses to help?

If the insurance company ignores your requests or refuses to confirm the policy, send a formal claim to the general director (a sample can be downloaded on the website of the Central Bank of the Russian Federation). In your complaint please indicate:

- policy number and date of issue;

- Full name of the manager who executed the contract;

- requirement to provide confirmation in the RSA database or return the money.

Send a copy of the claim by registered mail to the insurance company's email. If you do not receive a response within 10 days, contact the Central Bank of the Russian Federation through the form on the website cbr.ru.

What to do if the OSAGO policy turns out to be fake

If the check shows that the policy is not in the RSA database, and the insurance company does not recognize it as valid, follow the algorithm:

  1. Collect evidence:
    • Screenshot of the test result on the RSA website.
    • A copy of the policy (electronic or paper).
    • Receipts/payment slips for insurance payments.
    • Correspondence with the insurance company (if done online).
  2. Write a statement to the police according to Art. 159 of the Criminal Code of the Russian Federation (“Fraud”). Please indicate:
    • Data of the policy seller (full name, contacts, details).
    • Amount of damage (policy cost + possible fines).
  • Contact RSA with a request to block the fraudulent policy. To do this, fill out the form on the website or send an email to dpo@autoins.ru.
  • Buy a new policy from an official insurer. This can be done online on the websites SberInsurance, Tinkoff or AlfaInsurance.

    • If the fake policy was issued through an intermediary (for example, at a car dealership or from “gray” brokers), demand compensation for damage from them. By law, they are jointly and severally liable with the scammers.

    ⚠️ Attention: Using a knowingly counterfeit MTPL policy is equivalent to driving without insurance and is punishable by a fine of 800 rubles (Part 2 of Article 12.37 of the Administrative Code). In the event of an accident, you will have to pay for the damage from your own pocket.

    - Ads on social networks (“cheap compulsory motor insurance for 3,000 rubles”);

    - Unofficial one-page sites with suspicious domains (for example, osago-super-sale.ru);

    - Intermediaries requiring payment in cash or by transfer to an individual’s card.

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    How to protect yourself from fake OSAGO policies

    To avoid becoming a victim of scammers, follow the rules:

    • 🛡️ Buy MTPL only from official insurers. A list of accredited companies is on the website RSA.
    • 💳 Pay for insurance with a bank card on the insurance website - this provides a guarantee of a refund in case of fraud.
    • 📧 Check the sender's email. Letters from the insurance company must come from the company’s domain (for example, @reso.ru, @sogaz.ru).
    • 🔍 Check your policy details with PTS and STS of the car (VIN, license plate number, make/model).
    • 📅 Don't settle for "express checkout". Fraudsters often rush customers by citing “promotions” or “limited offers.”

    If you are taking out a policy through a broker, check its availability in register of insurance brokers of the Central Bank of the Russian Federation. Legal intermediaries have a license and are required to provide it upon request.

    The average cost of a fake policy is 3–5 thousand rubles, while a real OSAGO costs 5–15 thousand (depending on the region and the driver’s experience). Saving 2-3 thousand is not worth the risk of being left without insurance and compensation for damage in an accident.

    FAQ: Frequently asked questions about OSAGO inspection

    Is it possible to check compulsory motor liability insurance using a car’s license plate number without a policy number?

    Yes, but only if the policy is issued for this car. Use the service to check “Checking information about the MTPL policy using vehicle data” on the RSA website. Enter the license plate number and VIN - the system will show the current policy (if any).

    What should I do if, when checking, it says “Policy cancelled”?

    This means that the insurance was terminated early. Reasons:

    • Sale of a car (the policy is canceled automatically).
    • Termination of the contract at the initiative of the insurance company (for example, upon detection of forgery of documents).
    • Error in the database (rare, but it happens).

    Check with your insurance company for the reason. If the cancellation occurred in error, request reinstatement of the policy.

    How long is the policy information in the RSA database valid?

    Data on existing policies is updated in real time. After the expiration date, the policy remains in the database archive for another 3 years (marked “Expired”). If you need a duplicate of your old policy, contact your insurance company with a request.

    Is it possible to check OSAGO by the owner's last name?

    No, the RSA database does not provide information on the full names of individuals. Verification is possible only by:

    • policy number;
    • license plate number + VIN of the car;
    • insurance company data (for legal entities).

    This is done to protect personal data.

    What is EAISTO and how is it related to the MTPL inspection?

    EAISTO (Unified Automated Information System of Compulsory Insurance) is a state database where data from all insurance companies is collected. Since 2023, it has been integrated with RSA, which has accelerated the processing of requests. Now policies appear in the database within a maximum of 5 days (previously this period could reach 30 days).