Information about the insurance policy: where to find it, how to check and correct errors

What is insurance policy information and why is it needed?

An insurance policy is not just a piece of paper or an electronic document confirming your right to drive a car. This is a legal shield that protects your finances in the event of an accident, theft or other troubles. But few people know that information about the insurance policy contain much more information than just a number and expiration date.

In 2026, checking policy data became a mandatory procedure before traveling - traffic police inspectors actively use the database RSA (Russian Union of Auto Insurers) for reconciliation. If there is an error in the policy - even in one digit of the VIN code - this can lead to a fine of up to 5,000 rubles according to Art. 12.37 Code of Administrative Offences. And in the event of an accident, inaccurate data may cause refusal of payment.

In this article, we will look at where to look for information about the policy, how to read it correctly, what to do in case of discrepancies, and how to avoid problems with the law. We will pay special attention electronic insurance policies OSAGO/CASCO, which are now issued most often.

Where can I get information about my insurance policy?

Your policy data is stored in several sources. The main thing is to know where and how to request them.

• 📄 The policy itself - paper or electronic. It contains all the key parameters: number, series, validity period, car and owner details.
• 💻 Insurance company personal account — here you can download the full version of the policy with extended information (for example, a history of changes).
• 🔍 RSA database — the official register of all current MTPL policies. Checking is free on the website dkbm-web.autoins.ru.
• 📱 Mobile applications - for example, “State Services Auto” or “RSA”, where you can quickly check the relevance of the policy.
• 🏛️ traffic police — when stopping, the inspector can request data through his database, but it is better to make sure in advance that everything is in order.

Important: if you have lost your policy, you do not need to immediately go to the insurance office. First, check the electronic version in your personal account or RSA database - often this is enough for recovery.

How to decrypt data in an insurance policy

Even experienced drivers sometimes get confused by the abundance of numbers and codes. Let's look at what the main fields in the MTPL/CASCO policy mean.

Field in the policy	What does it mean	Example
Series and number	Unique policy identifier. Series - letters (for example, XXX), number - 10 digits.	EEE 1234567890
VIN code	Vehicle identification number. Must match the PTS.	XTA211230D1234567
Vehicle registration number	Car license plate. It may not be included in the electronic policy if the car is new.	A123BE777
Validity period	Insurance start and end dates. For compulsory motor liability insurance - usually 1 year.	01.01.2026 — 31.12.2026
KBM	Bonus-malus coefficient. Affects the cost of the policy (from 0.5 to 2.45).	0.85

Pay attention to the field "Limitation on the number of persons admitted to management". If it says “No restrictions”, then any driver with a license can drive. If specific people are indicated, only them.

What to do if there is an error in the policy

Errors in an insurance policy are not uncommon. According to RSA, in 2023, every 7th policy contained inaccuracies. The most common problems:

• 🔢 Typos in the VIN code or license plate number (for example, numbers are mixed up 1 and 7).
• 📅 Incorrect dates (validity period indicated with an error of 1 day).
• 👤 Incorrect owner information (for example, old last name after marriage).
• 🚗 Incorrect model or year of manufacture of the car.

If you find an error, follow the algorithm:

1. Take a photo of the policy and highlight any inaccuracies with a marker

2. Contact the insurance company (by phone or via chat in your personal account)

3. Provide supporting documents (PTS, passport, diagnostic card)

4. Receive a corrected policy (usually takes 1-3 days)

5. Check the updated data in the RSA database -->

⚠️ Attention: If the insurance company refuses to correct the error, write a complaint to RSA using the form on their website. According to the law (Article 958 of the Civil Code of the Russian Federation), the company is obliged to make changes within 5 working days.

It is especially dangerous to drive with an error in the VIN code or license plate number. In 2026, traffic police inspectors began to more actively check this data through the database EAISTO. If a discrepancy is detected at the post, you will face a fine for “driving a vehicle without a valid policy” - 800 rubles (Part 2 of Article 12.37 of the Administrative Code).

How to check the authenticity of an insurance policy

Fraud with MTPL policies is one of the most common scams in 2026. According to the Ministry of Internal Affairs, about 150,000 fake policies are detected annually. To avoid becoming a victim, follow these instructions:

1. Check the policy in the RSA database:

   https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm

   Enter the series, number and start date. If the system displays “Policy not found,” this is 100% fake.

2. Check the data from the PTS:

   - The VIN code must match until the last character.

   - Make, model and year of manufacture of the car - without discrepancies.

3. Look at the external signs:

   - The electronic policy must contain digital signature insurance company.

   - The paper policy is printed on a form with watermarks and a hologram.

⚠️ Attention: If you bought a policy through an intermediary (not the official website of the insurance company), the risk of running into a fake increases 3 times. Always check the company details on the website Central Bank of the Russian Federation.

Signs of a fake electronic policy

- There is no QR code for verification.

- The policy number begins with a non-existent series (for example, AAA instead of EEE or XXX).

- The date of issue coincides with the day of purchase (fraudsters often put the current date).

- The insurance data contains an unofficial email (for example, @gmail.com instead of a corporate domain).

Frequently asked questions about information in an insurance policy

Even after studying the policy, car owners still have questions. Let's look at the most relevant ones.

Is it possible to drive with an electronic policy without printing it?

Yes, since 2017, an electronic MTPL policy has the same legal force as a paper one. The main thing is that you have access to it via your phone or tablet. A traffic police inspector can check the policy using the RSA database, but in practice it is better to have a printout or screenshot with you - this will speed up the process.

What to do if the license plate is not specified in the policy?

This is normal for new cars that have not yet been registered. But after registering with the traffic police, you must add the license plate number to the policy. You can do this:

• Through your personal account on the insurance website.
• At the company office (free).
• By calling the hotline (not all insurance companies provide this service).

If you do not add the number, in case of an accident there may be problems with payment.

How to check if the policy is valid after selling the car?

After the sale of the car, the compulsory motor liability insurance policy automatically terminates (clause 3, article 10 of the law on compulsory motor liability insurance). But sometimes the data is not updated in the RCA database. To make sure everything is ok:

1. Check the policy by VIN code on the RSA website.
2. If it is still “valid”, contact the insurance company and provide a sales contract.
3. Receive official confirmation of the termination of the policy.

Is it possible to restore a lost policy by number?

Yes, if you know the series and policy number. You can restore it:

• In your personal account on the insurance website (the fastest way).
• Through the RSA database (basic data is displayed there, but not the full version of the policy).
• At the office of the insurance company (passport required).

If you don’t remember the number, request a duplicate using the car’s VIN code and your passport details.

What happens if you do not make changes to the policy after replacing your rights?

If you changed your driver's license (for example, after expiration or a change of name), but did not update the information in the policy, this is not a violation. The main thing is that the policy indicates correct passport details. However, in the event of an accident, this may raise questions from the insurance company, so it is better to make changes in advance.

Periods for storing and updating policy information

Many drivers do not know that their insurance policy information needs to be updated whenever there are any changes. Here are the key points:

• 📅 Validity period of OSAGO — 1 year (unless another period is specified). You need to renew in advance, since if you are late even by 1 day, the fine will be 800 rubles.
• 🔄 Data Update - mandatory when:
• Changing the license plate number or VIN code (for example, after re-equipping a car).
• Changing the owner's passport data.
• Adding/excluding drivers (for policies with restrictions).
• 🗄️ Policy storage — the electronic version can be downloaded and saved in the cloud (for example, Google Drive or Yandex.Disk). It is better to store the paper policy in the original and not in a copy.

⚠️ Attention: If you sell your car but don't tell your insurer, the new owner can use your policy until it expires. This is fraught with problems: for example, if it gets into an accident, claims may be brought against you as the former owner. Always inform your insurance company about the sale!

Top 5 mistakes when working with policy information

Even experienced car owners sometimes make annoying mistakes. Here are the most common:

1. Ignoring the electronic policy. Many people print it out once and forget that the data could have been updated (for example, after adding a license plate number). Always use the current version from your personal account.

2. Purchasing a policy from intermediaries. In 2026, scammers are actively selling “cheap” policies through social networks and message boards. Buy insurance only on official websites or in trusted offices.

3. Late introduction of changes. For example, after changing your license or registering a car in another region. This may lead to payment refusals.

4. Storing the policy only on your phone. Equipment breaks down, accounts get hacked. Always have a backup copy (such as a printout in your glove compartment).

5. Ignoring the KBM check. The bonus-malus ratio affects the cost of the policy. If the insurance company made a mistake and indicated an inflated BMR, you will overpay thousands of rubles. Check it out on the website RSA.

By avoiding these mistakes, you will save time, money and stress. Remember: information about the insurance policy - this is not a formality, but your financial protection on the road.