Issuance of the error "No confirmation received from the centralized PCA systems" causes. AIS rsa database for MTPL

Or CASCO? Are you sure the insurance company charges you fair price for an insurance policy? We suggest you learn in detail how to check the real value compulsory insurance auto civil liability and whether there is information about you in insurance companies.

Recall that on the territory of Russia since January 1 last year, a single database of the AIS RSA was introduced, which is maintained by the Russian Union of Motor Insurers. From this date, all insurance companies, when issuing an OSAGO policy, are required to make a request to this database. When querying the database, the insurer receives information about the driver, about his insurance experience, about the presence in the past of accidents due to the fault of the driver and much more. Having received a response to the request, the insurance company, based on the information received, calculates the final cost of OSAGO.

The fact is, in accordance with the law and insurance rules, a driver who has an accident-free driving experience every year has 5 percent. Unfortunately, the discount cannot be more than 50 percent of the basic OSAGO rate.

Therefore, each of us, in the case of accident-free driving, must receive a final calculation of the cost from the insurance company, taking into account the discount, which is based on the bonus-malus coefficient (Bmm), when issuing a compulsory insurance policy.

If the driver became the culprit of the accident, then the tariff for the cost insurance policy grows up.

Until 2013, there was no unified database of insurance companies and information about all drivers in our country. Each company, when calculating the policy, was guided by its driver history. If there was no information about the driving history in the personal database of the insurance company, then the driver did not receive a discount on the cost of OSAGO.

But the lack of a single base allowed drivers who often get into road accidents to issue policies much cheaper than in accordance with the insurance rules. So before, drivers who had an accident, realizing that the next time they took out insurance, the policy would increase significantly in price, they turned to another insurance company, which in turn had no information about the history of the driver. In this case, the driver bought OSAGO policies (as a beginner). However, it is cheaper than the cost of an emergency driving policy.

From now on, everything has changed. The emergence of a single information system AIS PCA allowed insurance companies to calculate fair value policy. But in our country, as always, everything right cannot start working in a short time. The fact is that all insurance companies were previously required to transfer all information about drivers who bought CTP policies over the past 10 years to single base ISA RSA. But, unfortunately, unscrupulous insurers did not provide such information about drivers. According to some reports, up to 30 percent of driver data is missing from the database. This means that a huge number of people overpay when applying for an OSAGO policy due to the lack of information about a personal discount for accident-free driving. In this case, the insurance company assigns the initial level bonus-malus coefficient (CBm) to the driver when issuing the policy (this is the same as when issuing the policy for the first time in life !!!).

Attention!!! When applying for an OSAGO policy, always specify the bonus-malus ratio (KBm). In the absence of data on accident-free driving, it is necessary to officially contact the insurer to recalculate the cost of the policy and enter data on all previously issued compulsory civil liability insurance policies. If the insurance company refuses to enter data on accident-free driving, you must file a complaint with the PCA (Russian Union of Motor Insurers).

We also draw your attention to the fact that, most likely, in the near future, the rules for issuing CASCO insurance policies will be regulated at the legislative level, which will also take into account the bonus-malus coefficient. Therefore, if during the driving experience you did not have accidents due to your fault, but does not provide you with a discount on the cost of the policy, then in the future, when applying for a CASCO policy, you can significantly overpay on insurance.

How to complain to RSA?

If you think that the insurance company will violate your consumer rights, then you can contact the management of the organization using the official website by filling out a special form (can be downloaded below) and sending it to the email address: [email protected]

Application form to the PCA in case of violation of rights by the insurance company ( (downloads: 1963))

Application form to the PCA in case of disputes on the bonus-malus coefficient (KBm) ( (downloads: 4588))

You can also personally apply with your claims by visiting the Russian Union of Motor Insurers, which is located at: 115093, Moscow, st. Lyusinovskaya, 27, building 3 or call the Office of Citizens' Appeals by phone:

8-495-771-69-44 (Extensions - 562, 630 and 157).

How to find out the bonus-malus ratio (KBm) online?

If you do not know your personal discount for accident-free driving for a certain period of time, then you can do this by personally contacting your insurance company, when applying for an OSAGO policy on new term as well as online on the Internet. To do this, enter the query in the search services: "RSA KBm" or go to the address: insurance exchange.rf

On the website of this service, enter your full name, driving experience, series and number of driver's license, age in a special form and click search. This service uses the official updated database of the PCA, which contains information about drivers. After searching for the data, the system will issue your personal KBm.

What should I do if there is no accident-free driving history in the PCA database?

If using the database you were unable to obtain data on your personal discount for accident-free driving, then most likely the information in the ISA PCA database is not available due to the fact that the insurance company (s) did not submit information about your driving history. It is also rare, but it happens that the information is not available. Including we advise you to repeat the request, carefully checking all the data necessary for the request to the database. Especially the series and number of rights, because if you recently exchanged a driver's license, then with a high degree of probability information about you will be linked in the database to the old rights.

How to enter data into the RSA KBm database?

If you still did not find information about the discount for accident-free driving experience, then before taking action to protect your consumer rights, contact the Russian Union of Motor Insurers with a request to make sure that information about KBm is really not in the information database.

If, nevertheless, it turns out that the previous insurance companies did not enter data on your driving experience, then you must do the following:

Find information about your old OSAGO insurance policies. If you do not have such data, then contact those insurance companies in which you previously issued compulsory civil liability policies. You need to know the policy numbers (at least the last one), the date of issuance and their validity period.

Where you issued the previous policy, take a certificate to transfer to another insurance company. But remember that you should contact the official office of the insurance company, and not the agent who issued the policy for you. In the certificate, the insurance company must indicate information about your insurance experience, indicating information about all insured events (if any)

After receiving the certificate, verify all the data filled in it.

After receiving a certificate, take it to the insurance company in which you are going to issue an OSAGO policy. If you have already taken out insurance for a new period, then remember that by submitting a certificate from the previous insurance company, you are required to recalculate the cost of the policy and, if there is a discount based on the bonus-malus coefficient, return you the difference in the premium paid.

How much can you save on OSAGO?

Recall that, in accordance with the current maximum discount for accident-free driving cannot be more than 50 percent. Accordingly, with an approximate calculation, on average for an accident-free driving experience, you can count on a discount from 1100 to 5500 rubles.

How much can you save when applying for a CASCO policy?

Despite the fact that at the moment the question of applying the bonus-malus coefficient has not yet been settled at the legislative level, many well-known insurance companies independently maintain their own database for issuing insurance against damage and theft, taking into account discounts for accident-free driving. Unfortunately, not all companies apply a fair discount. But nonetheless, a large number of insurers are ready to provide a discount on the CASCO policy for accident-free driving experience. Savings when applying for a policy can range from 4,000 to 45,000 rubles.

Will the bonus-malus coefficient be taken into account if the license of the insurance company is revoked?

In accordance with the rules of insurance and the Civil Code of the Russian Federation, the revocation of a license and the bankruptcy of an insurance company should not lead to a violation of consumer rights. Therefore, all information about the driver's experience and driving history is transferred to the PCA, which allows any driver to count on a discount in case of accident-free driving when applying for an OSAGO policy in any insurance company for a new period.

What is KBM?

It is no secret that the cost of OSAGO auto insurance depends on the driving experience and the number of accidents that occurred through his fault. With race…

CBM stands for Bonus-Malus Coefficient - this is one of the parameters that determine the cost of an OSAGO policy in Russia. Since the beginning of 2013, it is impossible to issue an OSAGO policy without requesting this coefficient from the base automated system Russian Union of Motor Insurers (AIS RSA).

The insurance broker K-insgroup offers a service, the number of requests is not limited in any way.

What is KBM?

It is no secret that the cost of OSAGO auto insurance depends on the driving experience and the number of accidents that occurred through his fault. When calculating the policy, a special CBM coefficient (bonus-malus) is used. And today this is one indicator that allows you to save on the cost of insurance.

CBM is calculated on the basis of payments of insurance amounts in past OSAGO policies. In other words, these are bonuses to the car owner for careful driving, while each subsequent accident-free year of driving reduces the cost of car insurance by 5%. This index depends only on the driver and is assigned to him, no matter what vehicle he drives.

Checking the KBM on the RSA database

In 2013, a law appeared in Russia obliging all insurance companies, before determining the cost and processing insurance documents, to check previous insurance policies to identify the client's KBM. Violation of this rule can lead to big problems for the insured in the event of an accident.

Today, every insurance agency can conduct a coefficient check for any car owner. The database of the automated PCA system contains more than 100 million insurance contracts drawn up over the past couple of years.

If the policyholder hid information about past insured events, then such a violation threatens him with an increase in the cost of insurance by 1.5 times, as well as being included in a special list of violators, which every insurance company can see.

Today, the database of insurers allows you to check OSAGO different ways: by policy number, by car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three verification options:

Attention, the last weeks of the verification forms have been working o-o-very slowly, they are not loaded the first time. This is a problem on the RSA side. If you want, you can try to download the verification forms individually on their website: one , two , three , respectively.

1. Checking the status of the form by its number. You can check the paper or electronic OSAGO policy in the database of the AIS RSA (Russian Union of Motor Insurers) and find out its validity period below.

This form is for checking both paper policies and electronic policies of the XXX series purchased via the Internet! Usually, electronic insurance gets into the database immediately after registration, but sometimes due to the workload of the database it can take several days. The correct status for valid insurance is “is with the insured” (but if immediately after the purchase the status is still “is with the insurer”, then this may be normal - the agent might not have had time to make changes to the database, wait a couple of days and only then sound the alarm) . Definitely “bad statuses” of the OSAGO policy are “lost” (why exactly it has become invalid can be seen in more detail by checking below) or “lost”. The status "printed by the manufacturer" means that such a form was not even transferred to the insurer.

Such a check does not give 100% certainty that you have a valid policy in front of you (after all, fraudsters could make a “duplicate” of this form), but it allows you to reject obvious fakes and stolen forms. But in order to exclude “doubles”, you need to check which car is insured under your policy ...

2. Find out which car is insured according to a certain form. In addition to the license plate, VIN code or body number, the results show a more detailed status of the form, for example, why exactly the insurance is not valid (the contract could have been terminated ahead of schedule or the insurance policy could have been lost):

3. Find out the OSAGO policy number by state number, VIN or body number + check if the driver is included in the insurance. This check is the reverse of the previous one, here, according to the car, you will find out which insurance company it is insured with, the policy number and its type (limited or unlimited). The VIN check is the most complete. It is searched by license plate only if this information was transferred by the insurer (they do not always do this).

If the insurance is with a limited list of drivers, then the system will offer to check whether a certain driver is included in the insurance by the number and series of the driver's license (this option appears on the second step after).

If you recently added someone to your OSAGO policy or made other changes to the data, then according to the standards, insurance companies are required to make changes to the PCA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been displayed in the AIS SAR database.

The last check is also useful for checking a used car before buying. After all, the presence of two at the same time active policies OSAGO on one VIN number (or GRP) can be a “bell” that a car is a “double”. In this case, I also recommend (in this case, a bad sign is that the car regularly undergoes MOT in one region, then in another).

4. Assistance of a car lawyer on OSAGO issues:
If you are faced with the fact that your policy, judging by the database, is fake or you have other legal issues related to OSAGO, then you can get a free response from a lawyer in the form below.

The main problem that motorists face when trying to issue an OSAGO online on the website of an insurance company is an error that occurs that information “ did not pass the test in the AIS RSA”(she is also -“ No confirmation received from centralized systems PCA”). This means that the data entered somewhere (at least in some comma, at least in one digit) differs from what is recorded in the database of the Union of Insurers.

There can be three reasons:

• You just made a mistake somewhere, check all the fields again for typos. The websites of some insurance companies (for example, Rosgosstrakh) highlight in yellow those fields that have not passed the test, or directly list where the errors are (for example, HOSKA). Others (for example, RESO) do not specify what exactly the system did not like.

By the way, that is why it is better to first “catch” errors on such a site, even if you plan to buy OSAGO not from this company, and then register it on your insurance company’s website. Just because the CGS website is made more convenient and highlights errors (on some monitors, a low-contrast yellow backlight is poorly visible, in this case, try looking at the screen “from below”, so the colors will be more contrast and you will see where the error is):

• Perhaps there are discrepancies in the spelling of the model, or your address, or some other parameter in reality and in the TCP. Therefore, be sure to check the data with the PTS and COP (Certificate of Registration - a card that you carry with you).

And it is even better to check all the fields according to last year's policy - it is these data that "lie" in the AIS RSA. Please note that if there is a choice between the TCP number and the COP number, you must write what was indicated to you in the last OSAGO policy in clause 2

• The mistake could have been made not by you, but by an agent or an employee of the insurance company when you last issued an OSAGO. You can’t do anything here, you need to find out exactly where the discrepancy is and what it consists of. If you have the time and desire to issue OSAGO via the Internet, then write to the technical support of one (and preferably several) insurance companies on the site that you are trying to buy OSAGO. Usually, they respond within 1-2 days with a specification of the error.

Also, the problem may not be in the data on the machine itself, but in third-party documents:

• that issued to you diagnostic card inspection is entered in EAISTO, check the data with this database.
• Check your registration address. In this case, if the number of the new registration certificate does not pass, try to indicate the TCP (and vice versa).
• new! Thanks to the comments and user reviews on the site, I discovered another common cause of the “PTS / Certificate” error. It is not uncommon for the database in the TCP field to contain the certificate number or vice versa, that is, the type of document is confused. Therefore, try to select the document “certificate of registration of the vehicle”, but dial the number of the vehicle. And vice versa. Helps a lot!
• new! More and more companies are starting to offer eOSAGO, but most of the “newcomers” do it only in the renewal mode. That is, you can only prolong their last year's policy, but not become a new client of this insurance. If your insurance last year was concluded in one of the companies, then first of all try to renew with them, because only on their website you can automatically download last year's data and thereby eliminate the root of the “PCA problem”.

Where does this error even come from? The fact is that when buying a policy through an agent, the agent is allowed to enter any information into the database. It is believed that he is a qualified employee. And when the question arose of selling insurance online, then give drivers the opportunity to indicate horsepower and other important characteristics no one can - otherwise everyone will immediately have 99 hp! Therefore, we made this check - its meaning is that the entered data coincide with the latest data from the AIS SAR database. In other words, they must be the same as they were entered by the agent when you purchased the previous policy.

But after all, agents are not always perfect, besides, they didn’t have it before. special significance small inaccuracy in the policy. Some agent, for example, wrote by default 99 hp for all small cars, instead of the exact 95, 85 or 91 - anyway, the price is the same. Or another example - in one insurance company in their internal program it was customary to write Hyundai, and in another - Hyundai. Some rounded numbers, others did not. And now the driver will have to “guess” how all the data was recorded in the last insurance.

What else can be done?

1. If you understand that the error is in the PCA database and “guessed” the error, then you can enter again the data with an error or a typo “as in the database”. This is the case when the online filling service allows you to enter arbitrary data, and not choose from the proposed list (try different insurance companies, everyone has different “interfaces”). Formally, in this way you concluded an insurance contract with incorrect data, but most insurance companies are sympathetic to this, even if insured event(at a minimum, I clarified this issue with a representative of HOSKA SG and I was assured that they would recognize such an agreement, but they would ask me to come to the office and reissue the agreement for up-to-date data). But in order to be 100% sure of the legitimacy of the policy, at any time after purchasing e-OSAGO you can contact the office of your insurance company and ask to update the data. Possibility to change the data on the prisoner electronic OSAGO during a personal visit to the sales office, representatives of Rosgosstrakh confirmed in me, adding that it is planned to soon (in 2016?) Time to implement the ability to change the data of the OSAGO e-policy via the Internet. In general, the method is not 100% correct, but in practice there will most likely be no problems.
2. If your current OSAGO insurance has not ended yet, then you can contact the company where you are currently insured and ask to update the information by changing the data to the correct ones. If possible, check to the letter everything that the office manager will enter into the computer. After that, we wait a couple of days until the data in the PCA database is updated and try again! In addition, some insurance companies are ready to double-check the data even by phone, it is not very clear how they identify the client. But, for example, a reader of the site, Vadim from Samara, said that he simply managed to update the data in the PCA over the phone at the ZHASO insurance company, in which he was insured. This is a much more correct way, however, and it does not always work. An example is in the review of Vitaly from the city of Volzhsky, which he sent to me by mail:

I started punching a month before the end of the policy, errors appeared, then a street with grammatical errors, then the letters in the name of the car are not correct (I have a Suzuki SX4 according to the documents, but SX-4 was entered in the database). traveled to Main office in Volgograd, corrected everything, but I still could not get eOSAGO, because. the site gave an error MarkModelCarRsaCode before paying. This mistake is the problem of the notorious “-” in the brand of the car, but as it turned out, it is SX4 that passes through all the bases of all insurers, and only Zetta Insurance LLC (I personally saw it on the monitor) selects only SX-4. So in a month I could not solve all the problems, but after debugging my data through visiting the office (except for the brand of the car), I kind of prepared for the next insurance in a year.

Tips will be updated.

I would love to hear your opinion in the comments.

Checking the PCA in CMTPL electronic policies is a mandatory procedure. You enter information about your car, yourself (passport data) and the drivers who will be allowed to drive. The insurance company sends this information in encrypted form to the PCA database.

The check on the PCA database is carried out automatically. Its main purpose is to check whether you had policies before, what kind of insurance history(number of accidents) and correctly calculate the cost of the policy.

When does verification take place

The PCA check starts after you have completed the insurance application for electronic policy OSAGO in personal account on the website of the insurance company.

Without a positive verification, you will not be able to proceed to pay for the policy.

Why does the PCA test fail?

Verification is not always successful. Often, the insurer's system cannot fulfill it.

The reasons for failure are different. A technical failure, lack of information about you and your car in the database are the most common of them.

Sometimes there is an intentional blocking of the results of the check. Unscrupulous companies are thus trying to regulate the flow of customers and weed out unprofitable ones from “toxic” regions and with losses in previous years. Such actions are prohibited and can lead to painful sanctions for insurers from the PCA and the Central Bank of the Russian Federation.

What to do if the PCA test fails

When applying for an electronic OSAGO policy on the website of the insurance company, you may be informed that the automatic PCA check has not passed.

For example, in Rosgosstrakh it looks like this:

To remedy the situation, you will be prompted to upload electronic copies of the following documents to the site:

• policyholder's passport - the main page and the page with registration;
• the passport vehicle- both sides;
• diagnostic card;
• driver's license - both sides.

Is it safe? Quite. Access to the personal account for registration of E-OSAGO occurs via the secure https protocol (just in case, check this in the address bar of the browser). Information according to the documents will only go to the insurance company, which does not have the right to transfer it to third parties.

The insurer's specialists will manually check your data on documents in the PCA database. And within 30 minutes minutes will be sent to email further instructions. From company to company, the time varies, but on average, you won’t have to wait longer than half an hour.

The result of a manual check in the company

The result of a manual check of documents by employees of the insurance company will be a letter.

For example, from Rosgosstrakh, a letter arrives with the following content.

In the letter, you will be informed that everything is in order according to the documents, and you have correctly filled out everything in the application for E-OSAGO.

For the convenience of customers, all data entered in the personal account is saved. Including information on the insured, car and drivers.

All that remains is to go to the payment section and pay for the policy with a bank card.