How to check the policy of osago

It is possible to arrange a policy of OSAGO not only in the insurance company, but also at the agent outside the walls of the insurance organization. This method is associated with a certain risk of fraud. If the policy is invalid, then at an accident, no insurance company will take responsibility for damages. All payments will fall on the shoulders of the driver of the car. Conscious purchase of a deliberately invalid policy of OSAGO is a criminal offense.

To avoid fraud, refuse to enter into an insurance contract under dubious conditions, for example:

the agent refuses to provide a power of attorney and a cooperation agreement with an insurance company;
the cost of the policy is significantly understated;
additional free services are offered.

The insurance policy has distinctive features, so a fake form can be identified visually:

the length of the Osago policy form larger the A4 sheet of the format is approximately 1 cm;
a greenish-blue ornament applied on the front side should not be imprinted on other surfaces or emit;
when the policy is guided, watermarks should be clearly viewed (emblem of the Union of motorways of the Russian Federation);
on the reverse side of the form, a metallic strip of 2 mm wide should be imprinted;
the series and the ten-digit number of the insurance policy are convex, are located in the upper right corner;
blank should be visible red pile.

Even if the application proposed by the agent has all the above characteristics, this is not a security guarantee, because Many fraudsters can use stolen blanks or forms of insurance companies that have ceased operations for various reasons.

In this case, it is necessary to check the blank by number:

go to the site of the Union of motorways of Russia http://www.autoins.ru/;
click on the button "OSAGO";
in the menu that appears, Mouse over to "OSAGO" and in the drop-down list, select "Checking the CTP policy to affiliate the insurance company";
in field "Polis number" Enter the 10-digit number of the form that the agent offers you, click "Search".

The report on request will be issued as follows: the date when the policy was shipped by the printing house, the series and the type of policy, the insurance company, license, status. All data must be analyzed:

the name of the insurance company should coincide with the data on the form (printing and stamp);
in the graph of status should not be values "Lost", "spoiled";
the license must be valid.

The PCS website constantly updates the list of insurance companies that do not have the right to carry out insurance activities, because Their licenses are withdrawn. Before you go to the agent, you can familiarize yourself with this list. The provision of services for verifying the authenticity of the insurance policy on the site is free.