Insurance company licenses: check or believe? How to protect yourself from purchasing an invalid MTPL policy. Does the insurance company have a license?

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, an insurance payment is still possible if the company has the money. At this stage, you can apply for compensation under MTPL to RSA (Russian Union of Motor Insurers)

Insurance companies are bankrupt
The last stage is bankrupt insurers. It is no longer possible to get anything from them except compensation payments under compulsory motor liability insurance through RSA.

Licenses are limited

The insurance company is now prohibited from concluding 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 09/02/2005)
  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 "Fidelity-Reserve Insurance Company" (FSSN Order No. 482 dated December 23, 2005)
  10. OJSC "Rosmedstrakh" (Order of the Federal Insurance Service 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 of 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. LLC "Industrial Insurance Alliance" (FSSN Order No. 320 dated 01.08.2008)
  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 Service for Social Security 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. LLC "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" (FSSN Order 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 Service for Social Security 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" (Order of the Federal Tax Service 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 Service for Social Security No. 664 dated December 10, 2010)
  57. LLC SK "Sever Polis" (Order of the Federal Service for Social Security 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. OJSC "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. SK KG LLC (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. Health Insurance Center "Zdravo" (registration 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 (reg. 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

Every driver of a motor vehicle on the territory of the Russian Federation is required to have an issued OSAGO policy, which insures the driver’s liability in the event of an accident. , which of course does not contribute to the development of the insurance market in our country. In this regard, cases of sales of counterfeit and invalid ones have become more frequent on the Russian market. It would seem that for a long time the legislation that regulates civil liability insurance to other road users was in force should have contributed to the literacy of all drivers without exception in our country.


But in reality, everything does not look so rosy. In our country, a huge number of drivers, through their naivety and ignorance, still purchase dubious OSAGO policies, which ultimately turn out to be either counterfeit or invalid. The reason for such carelessness, as a rule, is a simple ignorance of one’s capabilities for checking insurance policies. For example, anyone in our country can independently check the authenticity of a policy, and also find out whether the insurance company has the right to conclude contracts.

But it is true that there are also drivers who deliberately purchase fake liability insurance policies for pennies or policies from insurance companies whose license has been revoked. Thus, many drivers are trying to save on.

Do not under any circumstances purchase counterfeit OSAGO insurance policies, since such a policy not only does not insure your civil liability on the road, but can also bring you much more problems than a simple administrative fine.

The fact is that there is criminal liability for counterfeiting or selling a counterfeit policy, in accordance with Article 327 of the Criminal Code of the Russian Federation, Part 1:

Part 1. Forgery of a certificate or other official document granting rights or exempting from obligations for the purpose of its use or sale of such a document, as well as production for the same purposes or sale of counterfeit state awards of the Russian Federation, RSFSR, USSR, stamps, seals, forms

- shall be punishable by restriction of freedom for a term of up to two years, or forced labor for a term of up to two years, or arrest for a term of up to six months, or imprisonment for a term of up to two years.

Do you know what the most common question on the Internet is for enlightened OSAGO? - " What is the liability for using a fake OSAGO insurance policy? "Why do you think people ask such questions?


Unfortunately, there is a lot of conflicting and sometimes incorrect information online from shady lawyers who mistakenly believe that using a fake insurance policy is not covered by criminal law. But that's not true. Remember that the use of a fake OSAGO policy form directly falls under Article 327 of the Criminal Code of the Russian Federation, Part 3.

Article 327. Forgery, production or sale of counterfeit documents, state awards, stamps, seals, forms

Part 3. Using a knowingly forged document

- shall be punishable by a fine in the amount of up to eighty thousand rubles, or in the amount of the wages or other income of the convicted person for a period of up to six months, or by compulsory labor for a term of up to four hundred eighty hours, or by corrective labor for a term of up to two years, or by arrest for a term of up to six months. .

Remember that if you present a fake MTPL policy to a traffic police officer for verification, you may be subject to criminal liability.

What is the liability for presenting a fake OSAGO policy to an insurance company?


We are surprised by this question. When we saw it online, we were also discouraged. But believe me, there are plenty of such cases in our country. Not only do some owners purchase fake insurance policies, but they also find the courage to do so.

Let us remind you that these actions already fall under a more serious article of the Criminal Code of the Russian Federation, namely these actions fall under Article 159 of the Criminal Code of the Russian Federation.

How to protect yourself from purchasing an invalid policy?


Please note that it is recommended to purchase a policy only from trusted and reputable insurance companies or agents. At the time of purchasing the policy, the insurance company must have a valid license from the Central Bank of the Russian Federation, which is the regulatory body of the Russian insurance market. Remember that if the license is suspended, or if the license is cancelled, the insurance company does not have the right to sell OSAGO policies. But, unfortunately, in reality, many insurance companies, despite the revocation of their license, still sell insurance policies in violation of the law.

How to check an insurance company's license?


Before purchasing an OSAGO policy from an insurance agent (intermediary) or an insurance company, we advise you to find out via the Internet whether the company’s license is valid. This can be done on the official website Central Bank of Russia. To do this, go to: www.cbr.ru/sbrfr/?PrtId=insurance_industry

By going to the website, you can download a file with a register of insurance companies whose license is valid. To do this, click the appropriate inscription (shown as an example in the photo). To view the file, a software package must be installed on your computer Microsoft Office, namely the program Excel. After downloading the file and opening it on your computer, click the " Allow editing"


Next, you can use the search in the program Excel, in order to find the required insurance company in the register. To do this, click the " Find " and in the appropriate field indicate the exact name of the insurance company.

If you do not find a company that sells OSAGO policies on the list, then either the company’s license has been revoked, or they are scammers who sell invalid or counterfeit insurance policies.

Do not under any circumstances purchase insurance from such companies.

Remember that an invalid insurance policy (which was no longer valid at the time of purchase) does not protect you and does not cover your liability in the event of damage in an accident due to your fault. That is, if you cause an accident, then under your invalid OSAGO policy the injured party will not be able to receive damages, which will ultimately lead to a lawsuit against you to recover damages and legal costs.

Also, in connection with the introduction in our country of direct settlement of losses under compulsory motor insurance (the injured party must now contact its insurance company, which will make a payment for the culprit of the accident, and only then receive payment from the insurance company of the culprit in the accident), if your car is damaged in an accident and you are recognized as the injured party, then due to the invalid policy you will not be able to receive insurance compensation for losses.

How to check the credentials of insurance brokers and agents?


In our country, a large number of OSAGO policies are sold through insurance brokers and agents who, by concluding contracts with insurance companies, distribute insurance products and receive a commission for this. Unfortunately, not all brokers and agents are bona fide partners of insurance companies.

From time to time, insurance companies break off relations with such agents. But, despite the termination of contractual obligations, many insurance intermediaries still have OSAGO insurance policies in their hands, which they begin to sell for pennies. Please remember that such policies will not be valid and may not cover your civil liability under the law. Therefore, before purchasing an insurance policy from an agent or insurance broker, contact the central office or call the central hotline of the insurance company to clarify the credentials of the insurance agent.

How to check the status of your compulsory motor insurance policy and find out which insurance company issued it?


In order to check the status of your compulsory civil liability insurance policy, you must go to: www.autoins.ru/ru/osago/polis (Russian Union of Auto Insurers - "RSA"). On this page you can find out not only the status of the policy, but also find out whether the insurance policy belongs to the company that issued it.

How to find out the policy number of a participant in an accident?


Our editorial office often receives questions from people who, for some reason, were unable or forgot to record the compulsory motor insurance policy details of those involved in the accident. In order to find out the full policy number and the insurance company that issued the policy, the Russian Union of Auto Insurers provides an online database with which you can enter the Vin number of the car, the state license plate of the vehicle and find out the insurance policy number of Osago and with which company the participant in the accident has entered into a contract of compulsory civil liability insurance.

In order to find out the policy number of the party involved in the accident, you need to go to the Internet address:

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

What is insurance? This is a way to protect health, property, transport, life. Probably, in our life we ​​can insure anything. It is worth remembering the stars of American cinema who manage to insure even certain parts of the body against loss of elasticity.

Most of the readers probably grinned while reading these lines. Meanwhile, insurance is an excellent way to protect yourself from all kinds of unpleasant surprises. But to prevent insurance of anything from turning into a one-sided game, you should take a responsible approach to choosing an insurance company.

Over a certain period of time, you will be paying insurance premiums, which means there is a risk of running into scammers hiding behind the name of an insurance company or entering into an agreement with a company that is on the verge of bankruptcy.

Types of insurance

Insurance can be personal or property. The first type includes all types of insurance that are, in one way or another, related to a person, his health and life.

The second type is property insurance. There are a lot of options here: from home insurance by an individual to the financial risks of a legal entity. The range of services offered by insurance companies is quite large; everyone can choose insurance according to their needs and wallet.

Having concluded an insurance contract, an individual or legal entity pays premiums to the insurance company, which it manages in its own interests. Insurance is often combined with investment activities - a profitable investment of the insured persons' funds.

In essence, an insurance company is a financial organization that, through contributions from insured persons, compensates for insured events of the latter.

Revocation of an insurance company's license

Since the insurance company is a financial organization, control of activities is carried out by the Central Bank. If violations are detected, the insurance company’s license may be revoked (temporarily or permanently). Reasons for license revocation:

  • The Central Bank discovered that the information required to obtain a company license was unreliable;
  • if reporting on the company's work is not submitted on time;
  • if the organization carries out financial transactions not provided for by the license;
  • the insurance company does not submit data on the authorized capital and flow of funds to the Central Bank.

There are several other reasons for revocation of a license, but all of them are related to either violations of financial transactions or concealment of the real state of affairs in the insurance company.

Before concluding an insurance contract, you must find out whether the insurance company has a license and whether it has been revoked previously. It would be a good idea to look for customer reviews of the insurance company. By the way, the abundance of positive reviews should be alarming; people are reluctant to talk about their troubles, even if they are compensated.

Insurance companies whose licenses were revoked

2019 was not the best year for more than a dozen insurance companies. Here it is, a list of those who were deprived of the right to carry out insurance activities in January:

  • Non-state pension fund "Mosenergo OPS" JSC, the license to provide pension insurance has been revoked;
  • LLC Insurance Company "ASKO SKEL Plus" had its license revoked on January 14 of this year;
  • LLC "Insurance Company "Antares" on January 26, 2018 lost the right to all types of insurance and reinsurance;
  • Russian Insurance Society RODINA LLC had its license revoked in January 2018;
  • Russian Forestry Reinsurance Company LLC had its license revoked on January 21;
  • Apogey Med Insurance Company LLC, PRIORITY INSURANCE Insurance Company LLC, Dignity Life Insurance Society JSC, State Insurance Company Podderzhka OJSC, Regard Insurance LLC, Russian Alliance Insurance Company LLC - license revoked 14 January of this year;
  • Insurance broker General Insurance (Reinsurance) Broker LLC – the license to provide insurance intermediary services has been revoked.

In February, the list was expanded by the insurance companies Invest-Garant, AgroS and the Capital Insurance and Reinsurance Center.

Since the Central Bank constantly conducts inspections of the activities of financial organizations, this list will expand. Unfortunately, the founders are in no hurry to comply with the requirements of the law, which leads to the revocation of the license to operate. You can restore your license by fulfilling the conditions and requirements of the Central Bank.

Today there are about 300 companies operating in the insurance market. All of them are included in the register of the Russian Insurance Association.

What to do if your insurance company's license is revoked

Revocation of a license means that the insurance company does not have the right to enter into new contracts or accept payments under existing insurance contracts. Often, insurance companies “forget” to inform the insured person about the revocation of the license in a timely manner. The result is that an insured event occurs, but the insurance company is no longer able (or does not want) to pay compensation.

What should the insured person do in this case? Unfortunately, there are no organizations for interaction between the insurance company and the insured person. The problem can only be resolved by going to court.

First, you need to send a letter to the company's address notifying about the insured event. In the letter you should indicate your data, insurance policy number, and write in free form a description of the event that is subject to compensation. You must make a copy of the letter and send the letter itself by registered mail with notification.

The letter must be sent no later than 72 hours from the date of the insured event, otherwise the insurance company has the right to refuse payment. After this, you must immediately go to court.

If an insured event has not occurred, but you wish to terminate the contract with the insurance company, a written statement must also be drawn up. Upon termination, you must return part of the insurance premium. If the company does not respond and the address is currently unknown, the only option left is to go to court.

For insurance companies whose license has been revoked, there is six months to transfer insurance contracts to another insurance company (taking into account the client’s opinion) or terminate them with payment of part of the insurance premium.

In order not to end up as a client of an insurance company that does not meet the requirements of work in its field, you need to enter into an agreement with an organization that has solid experience in the insurance market. The list of companies providing insurance services in various fields can be studied in the Register of Insurance Organizations.

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 the RSA was registered in 2002 along with the creation of the Russian Union of Motor Insurers organization itself. The main activity of RCA is the interaction of insurers, government agencies, car owners and other interested parties in ensuring the 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 Russian Federation of a law providing for compulsory motor third-party liability insurance 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 auto 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 a 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 the moment, it 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 appoints an insurance company that will 100% sell the policy.
  • 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. Thus, for a driver who has recently been repeatedly involved in road accidents due to his 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 the widespread use of electronic insurance policies, cases of insurance fraud have become more frequent. To exclude the possibility of falling into the hands of scammers, you must adhere to one simple rule - use the official websites of insurance companies to make purchases. In addition, you can use websites - so-called online calculators, which calculate the cost of compulsory motor liability insurance for 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 restoration of a car under MTPL.

  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

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 the 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 by commercial companies with the 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 goal 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 car 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. By uniting, 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 creating a 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, for the most part, 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;
  • insurance broker mediation.

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 it 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 resume 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 certain types of 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 Whether the permit is still valid is unlikely to be revealed by such a copy.

A more reliable source is the list of participants in the association of insurers providing various types of 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 published by the 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 the latest changes in 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 money has all the necessary permits. Especially when it comes to compulsory types of insurance.