How to verify the authenticity of MTPL insurance in various ways

In this article we will learn how to verify the insurance policy of OSAGO for authenticity, and why. Do not worry: finding the question takes quite a bit of time, but you will prophylaxis from many problems associated with the presence of "fake" insurance.

Why check the authenticity of OSAGO

Since OSAGO is in some way "obligatory", some drivers consider its acquisition a formality and do not suffer from doubts about its validity.

And in vain! To check the authenticity of the OSAGO policy by number - it's one minute, but these sixty seconds will save you from very serious problems. First, if it turns out that your insurance is fake, a criminal case can be opened against you under Article 327 of the Criminal Code "Forgery of Documents".

Secondly, if an accident occurs due to your fault, you will have to pay damages at your own expense. The insurance company does not matter if you knew that your policy is "fake", or not. If the document is counterfeit, then this agreement was not concluded. So, the company has not received an insurance premium from you, and no compensation from it is given to you.

In this situation, you can only contact the police to find the intruders who sold you a fake and recover the damage from them. And here there are no guarantees for success. Therefore, it is easier to lay straws and ask in advance how to check the insurance policy of OSAGO for authenticity.

Quick check via Internet

The most convenient way to make sure that everything is in order with your insurance is to "break through" it on the basis of the RSA (Russian Union of Insurers). To do this, you need to go to the site of this organization and verify the authenticity of the MTPL policy by the number of ten digits.

It is not necessary to wait for the purchase of insurance to carry out this operation. Check can be made right during the transaction. When you go to make out OSAGO, take with you a mobile phone or tablet with access to the Internet. Ask the agent for the form in which he is going to make your data, and use the PCA site to verify the authenticity.

If the "piece of paper" has a spoiled, lost, stolen status, then do not buy such a policy. Also, if you find that the form is issued for another insurance company, instead of the one with which you intend to conclude the contract, then cooperation should be abandoned.

By the way, with the help of the RSA database you can not only verify the authenticity of the MTPL policy, but also learn about its very existence, if you are an injured party in an accident. By one registration number alone you can find out if there is insurance for your "offender".

The disadvantage of this method is that the absence of a policy in the database does not yet indicate its invalidity.

Visual inspection

It is possible to check the authenticity of the OSAGO policy without the RSA database, if it is good to know what signs of protection the forms of this document have. Take a good look at your insurance and make sure that it has all the features listed below.

1. The document has a green tint. If you acquired CTP after May 1, 2015, then the policy series must be EEE. If shortly before this date, then BBB. The rest of the series are no longer used, nor are blue forms.
2. The blank is approximately one centimeter longer than a sheet of the usual A4 format (210 x 297 mm).
3. The policy number consists of ten characters and has a relief (that is, it can be fingered).
4. The front side of the policy has a special texture. To the touch, it differs from ordinary paper and resembles the surface of a money note.
5. On the back there is a metal thread 2 mm wide. It should be diving and at the same level with the paper, that is, when you feel it does not feel its relief.
6. The guilloche pattern on the front side has a relief.
7. On the surface of the blank there are small villi of red color. In the ultraviolet, they glow, but it's unlikely to be tested in a domestic environment. But to fake the villi is not as easy as it seems, so their very existence already inspires confidence.
8. When considering the form in the light, the watermark "SAR" should be visible.

In other words, forms are protected not worse than banknotes. Therefore, it is quite realistic to verify the authenticity of the OSAGO policy only with the help of just examining and feeling. However, scammers do not slumber, but technologies are developing. Therefore, a 100% guarantee of such an inspection still will not.

Contacting an insurance company

Perhaps you do not trust electronic methods and visual study, or these methods did not lead to an unambiguous result. Then nothing remains, except how to verify the authenticity of the policy of OSAGO by contacting the insurance company personally. Explain to the employees that you have suspicions, and ask to see if there is an agreement with you in the insurer's database.

Electronic OSAGO

Separately it is necessary to tell about electronic policies of OSAGO, which began to be issued from the summer of 2015. Since such a way of realizing an autocitizen has a number of difficulties, as long as it is available only to clients of Rosgosstrakh, RESO-Garantii, Renaissance Insurance and SK Tinkoff.

To check the electronic policy of OSAGO for authenticity it is possible only by contacting the insurance company or the RSA database. Visually this is not done. But there is very little chance of getting a fake. Is that for a very large inattention. After all, the document is formalized directly on the official website of the insurance company. It is enough to observe the precautionary measures:

1. When making a document, make sure that you are actually on the official website of the insurance company - check its address in the appropriate field of the browser.
2. Refuse to buy insurance on the agents' website, even if a significant discount is offered. The car carrier can not be sold at a discount, its prices are regulated by the Central Bank. Acquire the policy exclusively on the website of the insurer company!

If a counterfeit is found

If it turned out that your insurance is a "linden", immediately deal with the formulation of this policy. Then take the forgery to the police and write a statement. So you will protect yourself against accusations of falsification of documents.

Now you know where you can check the policy of OSAGO for authenticity, and how to avoid the scams of scammers. Be carefull!