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Russian Union of Auto Insurers of companies with revoked licenses. Registration of motor vehicle insurance through a single RSA agent. Regression to the culprit

Insurance is a type of activity for which it is necessary to obtain special permission - a license. After receiving it, the company has the right to carry out strictly defined actions and comply with prescribed rules and restrictions. Licensing is one of the main functions of government supervision.

Insurance supervision in insurance activities

Insurance is mostly provided by private companies. However, the state took on the functions of not only but also control of their activities. This is discussed in detail in Chapter 4 of the Law on the Organization of Insurance Business. According to this source, supervision has the following objectives:

  • compliance commercial companies law;
  • crime prevention in this industry;
  • protection of the rights of all parties to the insurance relationship;
  • further effective development of the insurance system.

Russian Union of Auto Insurers

The main purpose of creating this association is to coordinate the activities of all market participants and create uniform rules for all of these activities. And not only at the national, but also at the international level.

RSA is designed to protect both the interests of insurers, members of the association, and those citizens whose property or health was damaged as a result of an accident.

In order to realize these goals, RSA carries out the following activities:

  • develops mandatory operating rules for all participating companies and monitors their implementation;
  • represents, defends and protects the interests of members of the organization in court and other government bodies;
  • supports, including with information materials, companies included in the union;
  • fights fraud and other offenses in its industry;
  • takes an active part in the implementation and financing of programs to improve driver culture and reduce the number of accidents with compensation for damage to health, life and property;
  • holds conferences and seminars aimed at improving the compulsory auto insurance system;
  • prepares and publishes information materials about the activities of the union in the media.

The benefits of participating in such an organization for insurance companies are undeniable. Having united, it is easier to defend your interests, as well as participate in international cooperation. But for policyholders, that is, those car owners who enter into insurance, such an association will be useful.

All participants included in the RSA are involved in the creation reserve fund. It is 3% of the insurance premiums they collect. It is used to pay compensation to people injured in road accidents.

  • the driver who caused harm to other road users did not insure his liability;
  • the person responsible for the damage was not found;
  • The insurance company of the person responsible for the accident went bankrupt or lost its license.

Existing types of insurance company licenses

The insurance market includes not only the conclusion of contracts with citizens. This is a rather complex system of social relations, the participants of which are mostly legal entities. They are the main participants in compulsory insurance programs. And they account for the majority of insurance premiums paid.

In the insurance sector The following types of activities can be distinguished:

  • actual insurance;
  • reinsurance;
  • mutual insurance;
  • mediation of an insurance broker.

Insurance companies that provide insurance specifically can obtain a license to carry out both. Voluntary insurance can be personal, life or property. Having received the appropriate license, the organization can offer customers any product that meets the specified conditions.

Mandatory insurance does not imply such freedom. All types of its types are prescribed in the relevant regulations- laws. And the framework established by these documents is quite strict. Today, insurance companies have the right to obtain a license for such types of compulsory insurance as:

  • social(life and health of workers, medical);
  • state(law enforcement officers, judges, etc.);
  • OSAGO;
  • bank deposits;
  • carriers' liability;
  • responsibility of independent appraisers;
  • liability of notaries, etc.

The license issued to the insurance company is unlimited. That is, it begins to be valid from the date of issue until the organization ceases to exist. However, in some cases the law may establish restrictions on the insurer’s working hours.

or limited if violations were discovered in the actions of the insurer. Until the identified deficiencies are eliminated, the company will not be entitled to take certain actions. However, after the situation is corrected, work will continue again in in full. Suspension or restriction is not a reason to break contracts with clients and deny them due payments.

The supervisory authority may do so if the insurer does not intend to eliminate violations in its work or has not started it at all. The initiator of license revocation can be the company itself. In any case, after this it is liquidated, since it no longer has permission to engage in insurance.

How to check an insurance company's license

It is worth remembering that each type of insurance activity requires a separate license. Without official permission, the company has no right to enter into individual species contracts. This can be voluntary insurance: life, personal (but not life), property. Or a strictly defined type of compulsory, for example OSAGO.

The first idea about the insurer can be obtained already in his office. Usually a copy of the license is located at the stand with information materials. But this way you can only make sure that this document was actually issued at one time. About, Such a copy is unlikely to tell you whether the permit is still valid.

A more reliable source is the list of members of the association of insurers performing different kinds compulsory insurance. Yes, on The RSA website is available. It also lists those members of the union whose licenses are currently limited or revoked. The lists are updated regularly.

But it is best to use the information that is published supervisory authority. The following information is published on the official website of the Bank of Russia or in the printed Bulletin of this government body:

  • data from the register of insurers about licensed organizations;
  • on suspension, restriction or revocation of permits, indicating the deadlines.

There you can also familiarize yourself with latest changes insurance legislation.

Checking the reliability of the company before concluding a contract is a guarantee not only of receiving insurance payment if necessary, but also of your own peace of mind. It is absolutely normal to make sure that the organization where you are going to invest has all the necessary permits. cash. Especially when it comes to mandatory types insurance.

Carefully study the blacklist of insurance companies before purchasing a policy. Companies that are on the “stop list” do their work poorly and receive many complaints from policyholders.

It is worth considering that after an insurance company’s license is suspended or revoked, some intermediaries continue to sell policies from blacklisted companies. Do not buy insurance if the company is on any of the lists presented, because... your policy will be invalid.

All problem companies can be divided into 3 groups:

Insurance companies with suspended license
Initially, due to numerous complaints and violations, insurance licenses may be suspended or limited. In this case, the insurance company does not disappear anywhere but does not have the right to sell or enter into new contracts. It is advisable to collect the unused portion of the insurance premium at this stage.

Insurance companies with revoked license
If the insurance company does not eliminate the violations at the previous step, then its license will be revoked. At this stage it is still possible insurance payment, if the company has money. At this stage, you can apply for compensation under compulsory motor liability insurance to the RSA (Russian Union of Auto Insurers)

Insurance companies are bankrupt
The last stage is bankrupt insurers. You can't get anything from them except compensation payment according to OSAGO through RSA.

Licenses are limited

The insurance company is now prohibited from entering into contracts by individual types insurance.

ALLIANCE (b yvsh. ROSNO) (reg. No. 290) limited on December 16, 2014, in terms of compulsory motor liability insurance, by order of the Bank of Russia dated December 12, 2014 No. OD-3500

JASK ABOUT (reg. No. 1595) limited on November 26, 2014, by order of the Bank of Russia dated November 19, 2014 No. OD-3258 (on limiting the validity of the insurance license)

Licenses suspended:

The insurance company is now prohibited from concluding contracts for all types of insurance.

RADON HEDGEHOG (reg. No. 3118) suspended on December 31, 2014, by order of the Bank of Russia dated December 26, 2014 No. OD-3670

SVYA TOGOR (reg. No. 3322) suspended on October 24, 2013, by order of the SBRFR No. 13-318/pz-i dated October 22, 2013

Licenses revoked:

The insurance company is forever prohibited from entering into contracts for all types of insurance. The company must fulfill its obligations and cease operations.

  1. LLC "Insurance Company "Avest" (Order of the Federal Insurance Service No. 95 dated May 26, 2005)
  2. West Siberian Transport Insurance Company LLC (FSSN Order No. 95 dated May 26, 2005)
  3. CJSC "Joint-Stock Insurance Company "Doverie" (FSSN Order No. 129 dated July 7, 2005)
  4. Euro-Asian Insurance Company LLC (FSSN Order No. 148 dated 08.08.2005)
  5. OJSC "Insurance Company of the Commonwealth of Independent States" (FSSN Order No. 159 dated September 2, 2005)
  6. LLC “Insurance Company “Our Nadezhda” (FSSN Order No. 417 dated December 2, 2005)
  7. LLC "Insurance Company "BORK"
  8. (former name - Insurance Company "Universal Policy" LLC) (FSSN Order No. 444 dated December 9, 2005)
  9. CJSC "Insurance Company "Fidelity-Reserve" (FSSN Order No. 482 dated December 23, 2005)
  10. OJSC "Rosmedstrakh" (FSSN Order No. 457 dated April 28, 2006)
  11. Insurance Company SK Priroda LLC (FSSN Order No. 661 dated June 16, 2006)
  12. LLC "Insurance Company "UNIKUM" (former name - LLC "Insurance Company "General Insurance") (Order of the Federal Insurance Service No. 62 dated January 26, 2007)
  13. LLC IC "Pyramid" (Order of the Federal Service for Social Insurance No. 1022 dated November 24, 2006)
  14. OJSC "General Insurance Company" (Order of the Federal Insurance Service No. 88 dated 02.02.2007)
  15. CJSC "Interregional Insurance Agreement" (Order of the Federal Insurance Service No. 582 of 06/08/2007)
  16. OJSC “Joint-Stock Insurance Company “Investstrakh-Agro” (FSSN Order No. 1291 dated December 21, 2007)
  17. LLC "People's Insurance Company "Rekon" (FSSN Order No. 88 dated March 14, 2008)
  18. LLC "Insurance Company "Aibolit" (FSSN Order No. 90 dated March 14, 2008)
  19. Zenit Insurance Company LLC (FSSN Order No. 96 dated March 20, 2008)
  20. Industrial Insurance Alliance LLC (FSSN Order No. 320 dated 08/01/2008)
  21. Northwestern Insurance Company LLC (FSSN Order No. 459 of October 10, 2008)
  22. LLC Insurance Company "Uralkoop-Policy" (FSSN Order No. 551 dated November 21, 2008)
  23. OJSC "Joint-Stock Insurance Company "LIDER" (Order of the Federal Insurance Service No. 629 dated December 19, 2008)
  24. General Insurance Alliance LLC (FSSN Order No. 33 dated January 30, 2009)
  25. LLC "SO "ASTO Garantiya" (Order of the Federal Tax Service No. 35 dated January 30, 2009)
  26. LLC "Insurance Company "GENERAL RESERVE" (FSSN Order No. 93 dated February 20, 2009)
  27. RussoBalt LLC (FSSN Order No. 114 of 03/05/2009)
  28. OJSC "Russian Insurance Company" (Order of the Federal Insurance Service No. 164 dated April 16, 2009)
  29. OJSC "Insurance Company "GRANIT" (FSSN Order No. 167 dated April 16, 2009)
  30. OJSC "Insurance Company "ASOPO" (FSSN Order No. 168 dated April 16, 2009)
  31. OOO " Insurance group“Crown” (FSSN Order No. 169 dated April 16, 2009)
  32. CJSC SJSC Metropolis (FSSN Order No. 217 dated April 30, 2009)
  33. LLC "Insurance Company "URALROS" (Order of the Federal Insurance Service No. 275 dated May 28, 2009)
  34. ZASO "KONDA" (Order of the Federal Service for Social Security No. 307 dated June 10, 2009)
  35. LLC "Insurance Company "PODDERZHKA - GARANT" (FSSN Order No. 362 dated 07.07.2009)
  36. LLC "Insurance Company "Finist - MK" (FSSN Order No. 363 dated 07/07/2009)
  37. OJSC Russian Joint Stock Insurance Company RASO (Order of the Federal Insurance Service No. 468 dated 09/03/2009)
  38. CJSC SO LK-City (FSSN Order No. 523 dated 10/02/2009)
  39. CJSC SK SVOD (Order of the Federal Service for Social Security No. 525 dated October 2, 2009)
  40. Gorstrakh LLC (FSSN Order No. 670 dated December 17, 2009)
  41. Insurance EMPIRE LLC (FSSN Order No. 72 dated February 17, 2010)
  42. CJSC "RUKSO" (Order of the Federal Tax Service No. 103 dated March 4, 2010)
  43. LLC "SK "Arbat" (Order of the Federal Tax Service No. 102 dated March 4, 2010)
  44. OJSC IC "Russkiy Mir" (FSSN Order No. 200 dated April 16, 2010)
  45. OJSC Insurance Company "SCM" (Order of the Federal Insurance Service No. 222 dated April 29, 2010)
  46. OJSC SK Ural AIL (Order of the Federal Service for Social Security No. 306 dated June 10, 2010)
  47. OJSC IC "Tsarina" (FSSN Order No. 337 dated June 24, 2010)
  48. CJSC SO "ASOL" (FSSN Order No. 399 dated July 23, 2010)
  49. LLC IC "National Quality" (Order of the Federal Service for Social Insurance No. 426 dated 08/05/2010)
  50. SJSC "CONTINENTAL" (FSSN Order No. 425 dated 08/05/2010)
  51. LLC SF "West-Akras" (FSSN Order No. 524 dated September 30, 2010)
  52. CJSC "TPSO" (Order of the Federal Service for Social Security No. 543 of October 14, 2010)
  53. OJSC IC Transgarant (FSSN Order No. 544 of October 14, 2010)
  54. CJSC "ZHASO-M" (FSSN Order No. 601 dated November 12, 2010)
  55. SO Sports Insurance LLC (FSSN Order No. 663 dated December 10, 2010)
  56. LLC IC "ROSINVEST" (Order of the Federal Tax Service No. 664 dated December 10, 2010)
  57. SK Sever Polis LLC (FSSN Order No. 665 dated December 10, 2010)
  58. LLC SK INNOGARANT (Order of the Federal Financial Markets Service No. 11-1239/pz-i dated May 24, 2011)
  59. OJSC "SK "GARMED" (by Order of the Federal Financial Markets Service No. 11-1839/pz-i dated July 21, 2011)
  60. JSC "ESCO" (by Order of the Federal Financial Markets Service No. 11-1839/pz-i dated July 21, 2011)
  61. OJSC "Rosstrakh" (Order of the Federal Financial Markets Service No. 11-2361/pz-i dated September 16, 2011)
  62. OJSC IC "Rostra" (Order of the Federal Financial Markets Service No. 11-3507/pz-i dated December 22, 2011)
  63. LLC "SK KG" (FSFM No. 12-554/pz-i dated 03/06/2012)
  64. CJSC SK NIKA Plus (Order of the Federal Financial Markets Service No. 12-897/pz-i dated 04/05/2012)
  65. CJSC IC "RST" (Order of the Federal Financial Markets Service No. 12-898/pz-i dated 04/05/2012)
  66. CJSC "SOPO RT" (by Order of the Federal Financial Markets Service No. 12-1032/pz-i dated April 17, 2012)
  67. OJSC "SG "Regional Alliance" (Order of the Federal Financial Markets Service No. 12-1726/pz-i dated July 10, 2012)
  68. LLC "SG "Admiral" (Order of the Federal Financial Markets Service No. 12-1886/pz-i dated July 24, 2012)
  69. OJSC "VSPK" (Order of the Federal Financial Markets Service No. 12-2187/pz-i dated August 23, 2012)
  70. ERMAK (reg. No. 3347) revoked on December 31, 2014, by order of the Bank of Russia dated December 30, 2014 No. OD-3747
  71. ARKADA (reg. No. 3887) revoked on December 10, 2014, by order of the Bank of Russia dated December 4, 2014 No. OD-3401
  72. EUROSIB-INSURANCE (reg. No. 2240) revoked on November 26, 2014, by order of the Bank of Russia dated November 19, 2014 No. OD-3259
  73. ISLA (reg. No. 3950) revoked on November 19, 2014, by order of the Bank of Russia dated November 14, 2014 No. OD-3200
  74. SDS-Medicine (formerly GSMK) (reg. No. 3150) revoked on November 19, 2014, by order of the Bank of Russia dated November 11, 2014 No. OD-3180
  75. Confidence (formerly NKM-Confidence) (reg. No. 3925) revoked on November 7, 2014, by order of the Bank of Russia dated October 29, 2014 No. OD-3077
  76. Center health insurance“Zdravo” (reg. No. 4236) was revoked on November 7, 2014, by order of the Bank of Russia dated October 29, 2014 No. OD-3076
  77. Instant Guarantor (formerly AMUR) (reg. No. 3885) revoked on October 22, 2014, by order of the Bank of Russia dated October 14, 2014 No. OD-2848
  78. Life Insurance Company "Russia" (reg. No. 3979) was revoked on 10/01/2014, by order of the Bank of Russia dated 09/25/2014 No. OD-2611
  79. SOCIAL INSURANCE COMPANY (reg. No. 3843) revoked on 10/01/2014, by order of the Bank of Russia dated 09/25/2014 No. OD-2613
  80. LITER-POLICY (reg. No. 31) revoked on September 17, 2014, by order of the Bank of Russia dated September 12, 2014 No. OD-2499
  81. ARKA-INSURANCE (reg. No. 1057) revoked on September 17, 2014, by order of the Bank of Russia dated September 12, 2014 No. OD-2498
  82. ASCENSION (registration No. 3709) revoked on August 27, 2014, by order of the Bank of Russia dated August 21, 2014 No. OD-2182
  83. SOGAZ-AGRO (registration No. 3297) was revoked on July 23, 2014, by order of the Bank of Russia dated July 17, 2014 No. OD-1827
  84. EVEREST (reg. No. 3620) revoked on June 20, 2014, by order of the Bank of Russia dated June 10, 2014 No. OD-1355
  85. SLAVYANSKAYA (formerly AVISTA-GARANT) (reg. No. 1127) revoked on 06/05/2014, by order of the Bank of Russia dated 05/27/2014 No. OD-1175
  86. UNION SO (reg. No. 3738) revoked on May 28, 2014, by order of the Central Bank of the Russian Federation dated May 20, 2014 No. OD-1080
  87. INSURANCE COMPANY OF SAINT ANDREW THE FIRST CALLED (reg. No. 3432) was revoked on 05/08/2014, due to the refusal to operate by order of the Central Bank of the Russian Federation dated 04/30/2014 No. OD-885
  88. INFORMSTRAKH (reg. No. 86) revoked on 03/07/2014, by order of the Bank of Russia No. 14-380/pz-i dated 02/27/2014

Since 2004 for all owners Vehicle the legislator obliged to conclude contracts auto liability– this gave a huge impetus to the development of car insurance in Russia. For insurance organizations at that time, the possibility of concluding MTPL contracts implied a qualitative advance to a new level by attracting clients to the company. Having satisfied the requirements imposed by law, insurers also had to become members of the Russian Union of Auto Insurers (RUA). Only after this could they obtain a license and begin to develop a new sector of the insurance market.

Russian Union of Auto Insurers (RUA): main activity


The Russian Union of Auto Insurers, which is based on the majority of Russian insurance companies, is a professional association operating throughout Russia. Its main activities are regulated by the Federal Law “On OSAGO” No. 40-FZ dated April 25, 2002 and, in essence, it is the only trade union whose activities are regulated at the legislative level. Established on August 8, 2002 by the largest insurers, this union provides for mandatory membership for all insurance organizations that enter into insurance.

The main goal of the RCA is aimed at ensuring the normal operation and interaction of insurers with each other in the implementation of the law on compulsory insurance, as well as the formation of principles and rules professional activity its members.

The activities of this trade union are aimed at:

  • control over compliance with regulations on insurance organizations, as well as rules of professional activity;
  • protection of policyholders, their legitimate interests, in case of compensation for harm received when using cars and exercising the right related to receiving insurance compensation;
  • representation, provision and protection of the legal rights of members of the organization in government bodies and other various organizations on issues of compulsory insurance;
  • conducting advisory and information work on a common understanding and application of the rules on compulsory insurance and preparation of clarifications for incoming requests;
  • use and completion of information resources in order to ensure public access to data on MTPL contracts and insured events, insurers and policyholders in compliance with the requirements for the protection of information and personal data;
  • coordination of the activities of insurers-members of the RSA in the fight against fraudsters and illegal activities in the field of auto insurance.

The Russian Union of Auto Insurers is the largest non-profit association of insurance companies, the portfolio of which is more than 90% common market car insurance in our country.

Insurance companies – current members and observers of the RSA

Membership in the RSA is regulated by the Rules of Professional Activities approved by the Presidium. The union consists of active members and observer members, the main difference between which is the presence of a license to carry out compulsory motor liability insurance.

An insurance company applying for membership must meet the following requirements:

  • have at least 2 years of experience in voluntary insurance motor risks, for example, DGO (DSAGO), including full support of concluded contracts and settlement of losses;
  • compliance with insurance legislation;
  • recognition and action within the framework of the RSA Charter;
  • joining the agreement providing for direct settlement of losses;
  • availability of an MTPL license(for full members).

To make a decision on joining the union of new insurance organizations, it is necessary to provide a corresponding application, as well as the package of documents established in clause 3.2 of the Rules. When accepting a new member, the consent of the remaining members is not required.

Information about all participants, their contacts and availability of a valid license can be obtained on the information website https://www.autoins.ru/. Currently, the RSA consists of 82 full members with MTPL licenses, as well as 10 observer members.

What does the policyholder need to know?

  • call employees of the competent authorities to the scene of the incident(if you don’t have their direct number, you can call 02 or 112);
  • fill out a notification form issued by the insurer(it should be completed at the scene of the accident, as the signatures of both participants are required).

Registration of an accident

The legislator also enshrined. This method can only be used if the following requirements are simultaneously met:

  • no more than 2 cars;
  • availability of valid MTPL policies;
  • causing only property damage;
  • no dispute about guilt;
  • the amount of damage to the victim does not exceed 50 thousand rubles.

If participants have forms concluded before 08/02/2014, the limit on payment without calling the traffic police is 25 thousand rubles.

It is possible to receive payment under the compulsory motor liability insurance agreement only if there is a culprit. In cases where the person at fault has escaped, it is imperative to report the accident to the traffic police. Once it is found, it will not be difficult to obtain a refund.

How to properly photograph the scene of an accident

Branches and representative offices of insurers

All insurance companies have a central office, which is usually located in major cities(Moscow, St. Petersburg, Kazan, etc.) and branch network. At their core, branches perform the same functions as the central office.

The branch is not independent legal entity, its activities are aimed at representing and protecting interests outside the location of the head office. All branches carry out their activities based on the regulations and in mandatory enshrined in the charter of the legal entity.

Where to apply for insurance compensation

Policyholders have the full right to contact the branch not only to conclude a policy or make changes to it, but also to receive compensation and file a claim. If there are no representatives of the insurer with whom you have a contract in the region, you should contact another insurer authorized to make payments on behalf of your company to receive compensation.

Information about the insurer's branches in all regions or their authorized representatives must be provided at the time of transfer of compulsory motor liability insurance.

How to contact RSA?

Created to comply with and ensure uniform implementation of the legislation on compulsory motor liability insurance, the union works with requests and complaints related to.

After introduction unified system AIS information storage KBM in practice, many discounts have been reset to zero, which have accumulated since 2004. The main reasons for incorrectly uploaded data:

  • errors made by the insurer's employees when entering data;
  • change of registration (new data was not communicated to the insurer and was not properly included in the contract);
  • failure when uploading information to AIS.

Sample application to RSA

Find out how much an electronic MTPL policy will cost for you and which insurance companies can buy it from in your region:

The official website of RSA was registered in 2002 along with the creation of the Russian Union of Motor Insurers itself. The main activity of RSA is the interaction of insurers, government agencies, car owners and other interested parties in ensuring current legislation in the field of compulsory motor third party liability insurance (MTPL).

The need to create RSA and its main information resource, the official website, was due to the introduction on July 1, 2003 in the territory Russian Federation law providing compulsory insurance motor vehicle liability for all drivers. At the time of its founding, RSA included 48 insurance companies in the Russian Federation. In the process of conducting business, this figure changed depending on the number of companies operating in the field of compulsory motor liability insurance.

The official website of RSA has become especially relevant since 2017, when insurance companies selling “motor insurance” were required to develop and implement on their official websites tools that allow clients to remotely purchase e-MTPL electronic policies online. It was from this moment that the Russian Union of Motor Insurers took upon itself the responsibility of guaranteeing the sale of e-OSAGO to any motorist. The systems that allow this to be accomplished are called Unified Agent and E-Garant.

E-Garant on the official website of RSA

As mentioned above, the E-Garant system was created to guarantee the implementation of compulsory car insurance to all clients without exception. The reason for this was the fact that insurance companies often refused to sell an electronic policy to a client, explaining the situation due to technical difficulties.

The introduction of the E-Garant system has solved most of the problems of Internet users who have problems purchasing insurance online. This is implemented as follows:

  • The client goes to the official website of a company or, which allows them to calculate the cost of the policy for all insurance companies.
  • Enters all the information necessary to calculate the cost of insurance.
  • Next, the insurance company offers the client to buy e-OSAGO at the calculated cost, or, if for some reason it cannot sell the policy at this moment, displays a link to go to the E-Garant system.
  • On the official website of RSA, after entering the PTS number and the region of operation of the vehicle, E-Garant forcibly assigns insurance company, which will sell the policy 100 percent.
  • At the bottom of the page there will be a button to go to the official website of the designated insurance company and apply for insurance.

More details about purchasing MTPL in the E-Garant system are written in.

Checking KBM online

The bonus-malus coefficient is perhaps the main adjustment indicator that affects the final cost of the policy. It is calculated individually for each driver based on his driving accident history. So, for the driver, in Lately If you have repeatedly been involved in an accident through your own fault, the cost of compulsory motor liability insurance will be significantly higher than for a more careful car owner with an accident-free history. The calculation of the KBM occurs according to a special and. Read more about calculating this coefficient manually at the link above.

It is much easier to find out your current KBM on the official RSA website by making an online request to the constantly updated database:

  • Go to the KBM verification page - dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm.
  • Fill in the required fields: last name, first name, patronymic, date of birth, as well as driver's license series and number.
  • After submitting the form, the specified data will be checked against the PCA database, after which you will receive a KBM.

How to check the authenticity of an issued MTPL policy on the RSA website

With widespread distribution electronic policies e-OSAGO cases of insurance fraud are frequent. To eliminate the possibility of falling into the hands of fraudsters, you must adhere to one thing: simple rule— use the official websites of insurance companies to purchase. In addition, you can use websites - so-called online calculators, which calculate the cost of compulsory motor liability insurance according to the same official companies. In the list of third-party reliable services we can note:

All of these sites operate using the secure https protocol and use a single principle: the user calculates the cost of compulsory motor third party liability insurance (MTPL) for all insurance companies at once, after which he can go to the official website of the insurance company and purchase e-MTPL at the calculated price.

After the user has gone through all the stages of purchasing a policy, its authenticity can be verified. This is where the RSA website comes in handy again.

Verification of OSAGO authenticity by series and policy number

  1. Go to the page https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.
  2. Write the policy number (only numbers can be used).
  3. Click the Search button.

If successful, the page will display information about the policy you are looking for. Otherwise, the service will issue an error indicating the reason.

How to check which car is included in the OSAGO policy

  1. Go to the RSA page https://dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm.
  2. Specify the series of the form, for example, XXX, CCC, MMM, KKK, EEE or BBB.
  3. Enter the policy number (only numbers can be used).
  4. Set the date for which you want to check the information.
  5. After submitting the form, information about the car that is included in the insurance, the series and number of which you indicated, will appear on the page.

Checking insurance availability by car number

  1. Follow the link https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm.
  2. Please enter your car number.
  3. If possible, please include the VIN and chassis number.
  4. Click the Search button.
  5. The result of the check will be confirmation or refutation of the availability of insurance for a car with the specified state license plate.

The process of all the above checks is more detailed.

Calculation of the cost of spare parts for repairs under OSAGO on the RSA website

Another useful function of the official RSA website is the ability to calculate the cost of spare parts that are required to carry out insurance recovery car according to OSAGO.

  1. Go to prices.autoins.ru/priceAutoParts/.
  2. Indicate the date, region, car brand name and article number of the spare part you are looking for.
  3. Next, enter the verification code and click the “Send request” button.

Contacts of the Russian Union of Auto Insurers

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