Checking the MTPL policy by state number through RSA: instructions for

Verifying the authenticity of the policy OSAGO by vehicle registration number - this is a standard procedure that is recommended to be performed before purchasing a used car, when registering an accident, or simply to monitor current insurance. RSA (Russian Union of Auto Insurers) provides an official service for such verification, but it has nuances that are important to know about in advance.

Many drivers mistakenly believe that it is enough to enter the license plate number into the search bar and the system will display complete information about the policy. In practice checking through RSA by license plate only works if several conditions are met, and in some cases it may not work at all. In this article, we will look at how to use the service correctly, what data it shows, and what to do if the system does not find the policy.

We will also look at alternative verification methods (via Public services, mobile applications of insurance companies and even by VIN code) so that you can quickly obtain the necessary information in any situation. We will pay special attention to typical errors due to which the check may give a false result - for example, if the policy was issued recently or the data has not yet entered the RCA database.

1. How does checking compulsory motor liability insurance by state number through RSA work?

The official RSA service for checking the MTPL policy is available at: dkbm-web.autoins.ru. It allows you to enter car registration number (for example, A123BV 77) and obtain information about the current policy. However, there are a few key points here:

✅ What the service shows:

• 📋 OSAGO policy number (if it is in the database)
• 📅 Validity period (start and end dates)
• 🏢 Insurance company namewho issued the policy
• ✔️ Status (“valid”, “not valid”, “cancelled”)

❌ What the service does NOT show:

• 🚫 Full name of the policy owner (confidential information)
• 🚫 Driver dataincluded in the policy (if it is limited)
• 🚫 Information about the accident under this policy
• 🚫 Insurance cost or terms of the contract

The RSA service operates in real time, but data is not updated instantly. If the policy was issued less than 3–5 days ago, it may not yet appear in the database. Also, the check will not work if:

• 🔹 The number was entered with an error (for example, the letters were mixed up B and B)
• 🔹Policy issued in foreign insurance company (not included in RSA)
• 🔹 The car is not registered in Russia (has transit numbers)

2. Step-by-step instructions: how to check a policy by license plate number

To avoid errors, follow this algorithm:

1. Go to the official RSA website:

   Open your browser and enter the address: dkbm-web.autoins.ru. Avoid third-party services - they may be fraudulent or show outdated data.

2. Select verification method:

   On the main page, click on the tab "Checking information about the MTPL policy", then select "According to the car" (and not “According to the policy”).

3. Enter license plate number:

   In the field "State registration plate" enter the number without spaces or hyphens (for example, A123BV77). If the number contains a letter Oh, replace it with 0 (zero) - the system does not distinguish them visually.

4. Fill out the captcha:

   Enter the characters from the picture (this is protection from automatic requests). If the captcha is not readable, update it with the button 🔄.

5. Click "Search":

   The system will provide the result within 5–10 seconds. If the policy is found, you will see its details. If not, a message will appear "No information found".

The correct license plate number has been entered (no spaces)

There are no typos in letters (V/B, S/E, O/0)

The car is registered in Russia

The policy was issued at least 3 days ago-->

⚠️ Attention: If you see a message "Request limit exceeded", wait 10-15 minutes or try from another device/browser. PCA limits the number of checks from one IP address.

Important: The PCA service does not save the history of your requests, but insurance companies can see that a check was carried out on their policy. This does not affect the validity of the insurance, but may raise questions when drawing up a new contract.

3. Why RSA does not find a policy by state number: 7 reasons

If, after entering the license plate number, the system gives an error or reports missing data, the reasons may be as follows:

Reason	How to check	Solution
Polis issued less than 3 days ago	Check the registration date with the owner	Please wait 3-5 days and request again
Error in license plate	Check the number using PTS or STS	Enter the number without spaces, replace Oh on 0
Polis is electronic, but not loaded into the RSA database	Ask the owner to show the original policy	Check by policy number (see section 4)
Car with transit plates	Look at the number: if it's yellow, it's transit	Check by VIN or body number
Polis issued by a foreign company	Check with the owner for the name of the insurance company	Contact your insurer directly

🔍 Additional diagnostics:

• 📱 Try checking your license plate number via mobile application of your insurance company (for example, "SberInsurance" or "Ingosstrakh"%). Some applications show data faster than SAR.
• 🖥️ Use Public services (section "Transport and driving" → "Checking compulsory motor insurance"). There the data can be updated more frequently.
• 📧 Write to RSA support via the feedback form on their website if you are sure that the policy should be displayed.

4. Alternative ways to check compulsory motor liability insurance

If checking by license plate does not produce results, use other methods:

🔹 By OSAGO policy number

If you have 20-digit policy number (format: XXX XXX XXX XX XX XXXXXX), enter it on the same RSA service, but selecting the tab "According to the policy". This method is more reliable, since the policy number is unique and linked directly to the database.

🔹 By VIN code or body number

Some insurance companies (eg. "AlfaStrakhovanie" or "RESO-Garantiya") allow you to check the policy by VIN. To do this:

1. Find the VIN in the vehicle title or on a plate under the hood.
2. Enter it on the insurance website (section "Checking the policy").

🔹 Through State Services

Login to Public services, go to section "Transport and Driving" → "Compulsory motor vehicle liability insurance check". Here you can enter both the license plate number and policy data. The advantage of the method is that the data is updated more often than in SAR.

🔹 Through mobile applications

Install the official application of your insurance company (for example, "Tinkoff Insurance" or "VTB Insurance"). Many of them have the function of scanning license plate numbers through the phone camera.

What does a fake OSAGO policy look like?

Fake policies often have:

- Incorrect number format (not 20 characters)

- Typos in the name of the insurance company

- No QR code or electronic signature

- Dates that do not correspond to the current period (for example, a policy for 2023 in 2026)

If in doubt, compare a sample of a real policy on the RSA website.

5. Typical MTPL fraud schemes and how to avoid them

Checking the policy by state number helps to identify not only errors, but also fraud. Here are the most common schemes:

• 🚗 "Sold" policy: Fraudsters sell the same policy to multiple owners. When checked by license plate, such a policy may be displayed as valid, but in the event of an accident, the insurance company will refuse to pay.
• 📄 Fake forms: The policy is printed on a printer using the data of the real insurance company, but without registration in the RSA database. You can only check it by number - the license plate number will not help.
• 🔄 "Re-issuance" of the policy: The car seller shows a valid policy, but after the sale withdraws it (for example, through the return of insurance money). The new owner is left without insurance.
• 💰 Fake discounts: Intermediaries offer to issue OSAGO “with a 50% discount”, but in fact the policy is either fake or issued to a dummy.

⚠️ Attention: If, when buying a car, the seller insists on paying for insurance in cash “without a receipt” or offers to “get the policy cheaper through a friend,” this is a sure sign of fraud. Any official MTPL policy must be registered in the RSA database and have an electronic signature.

🛡️ How to protect yourself:

• 🔍 Always check your policy both by license plate number and policy number.
• 📱 Ask the seller to provide PDF version of the policy with electronic signature (you can check it on the insurance website).
• 📞 Call the insurance company and check whether the policy applies to this license plate number.

6. Common mistakes when checking compulsory motor liability insurance and how to avoid them

Even experienced drivers sometimes make mistakes that lead to incorrect test results. Here are the most common:

• 🔤 Typos in license plate: Similar letters mixed up (B/B, C/E) or numbers (0/Oh). Always check the number with the PTS or STS.
• 📅 Ignoring the database update deadline: As mentioned earlier, new policies do not appear in RSA immediately. If the policy is issued today, the check may not work.
• 📱 Using unofficial services: Many sites offer a “quick insurance check”, but often these are fraudulent resources that collect user data.
• 🚫 Attempt to check transit numbers: Yellow transit numbers are not linked to the RSA database. In this case, check by VIN or chassis number.

💡 Advice: If you often check policies (for example, when buying a car), save direct links to your bookmarks:

• 🔗 RSA official service
• 🔗 Public services (section "Checking compulsory motor liability insurance")

⚠️ Attention: Some browsers (eg. Yandex Browser with Defender enabled) can block access to the PCA service, considering it “suspicious”. In this case, temporarily disable protection or use Google Chrome.

7. FAQ: Answers to frequently asked questions

Is it possible to check compulsory motor liability insurance by state number without a policy number?

Yes, the RSA service allows you to search for a policy only by state number, without additional data. However, if the policy is not found, it is recommended to check its number with the car owner and check again.

What to do if the RSA shows that there is no policy, but you have it in your hands?

Possible reasons:

• The policy was issued less than 3 days ago - please wait and check again.
• Error in the PCA database - contact your insurance company and ask to reload the data.
• Polis is fake - check it by QR code or electronic signature.

If the problem is not resolved, contact RSA via the feedback form on their website.

Is it possible to check compulsory motor liability insurance using the license plate of a foreign car?

No, the RSA service only works with cars registered in Russia. For foreign cars, you need to contact the insurance company that issued the policy, or use the services of the country of registration (for example, for Belarusian cars - website "Belgosstrakh").

How many times can you check your MTPL by license plate?

PCA limits the number of requests from one IP address (usually 5–10 checks per hour). If you see an overdrawn message, wait 15-30 minutes or use a different browser/device.

Will RSA show if the MTPL policy is cancelled?

Yes, if the policy was canceled (for example, due to non-payment or at the request of the owner), the PCA service will show the status "Does not work" or "Cancelled" indicating the date. There may also be a reason for cancellation (for example, “at the initiative of the insurance company”).