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The driver was not found in the pc database. Issue of the error "No confirmation received from the centralized systems of the PCA" causes Failed to receive data from the PCA

The driver was not found in the pc database. Issue of the error "No confirmation received from the centralized systems of the PCA" causes Failed to receive data from the PCA

16.02.2022

The presence of an insurance policy is mandatory for absolutely all owners of cars in the Russian Federation. Since 2013, the Russian Union of Auto Insurers has created a unified accounting database to ensure the safety of car owners from various kinds, with the help of which the car owner can independently check information about his policy. In this article, you will learn how to correctly check a car in the PCA.

Access to the PCA database is possible for any Internet user

The purpose of checking the car in the PCA database

The PCA database contains information about clients of insurance organizations and their cars. The data is updated by employees of insurance companies, so the register contains up-to-date materials at the time of the consumer's request.

PCA is an organization founded in 2002 with the aim of protecting customers from fraudulent organizations that do not have a license and the right to provide auto insurance services. Absolutely all information about the car, arrests and accidents is entered into the database, which allows any subsidiary organization to verify the client's data and provide the appropriate insurance guarantees to the consumer in each individual case.

The unified RSA database includes the following information:

About the owner of the vehicle and the car itself, including the involvement of the car in the accident;
Data on the contract of compulsory insurance;
Materials about the conditions prescribed in the insurance contract;
The relevance of insurance, its status, information about the organization with which the contract was concluded;
The amount of payment under the contract in a situation of insurance accidents;
Materials about the KBM coefficient. Existing or increase in the cost of the policy in case of default by the consumer.

And also by the number of the certificate of the owner of the car, you can find out about the persons who have the right to drive a car.

The need for verification against the PCA database arises in cases where it is necessary to determine the authenticity of an insurance document or in the event of an insurance situation.

Checking the car in PCA

To check a car in the PCA, you only need access to the Internet and basic computer skills. On the official website of the Russian Union of Motor Insurers, the user can find out all the data he needs by the insurance policy number, car number or VIN code.

To check the authenticity of the policy, and its conditions, you must have an insurance number. To obtain information, you only need to enter the policy number and its series in the special boxes. The consumer will open all the necessary information in a few seconds.

To check OSAGO, just enter the series and number of the policy

And also on the site there is a section "Information for victims and others about the existence of a valid OSAGO agreement in relation to a certain person or vehicle", in which any citizen of the Russian Federation can check the car of interest to him for the presence of an insurance policy by state registration numbers or the VIN code of the car . Most often, this service is used to determine the violator of the law, if the owner of the car fled the scene of an accident. And also this service is often used by potential car buyers to check it for involvement in an accident.

A single database has complete information about the car, its owners, thefts, the presence of traffic accidents involving cars. The database is updated daily, so the received report is always true.

And also today, customers are given the opportunity to renew the car insurance contract online. This can be done sixty days before the end of the current agreement between the company and the consumer. The client can independently enter all his data, the program will automatically check them with previously entered information and renew the contract with the insurance organization.

The data is not validated in the PCA

There are situations when the program gives an error when entering data. Such a problem can occur if the consumer made a mistake when filling out the fields or an employee of the insurance organization entered the data inaccurately when applying for the policy.

If such a problem occurs, you must try to fill in the fields again or enter data with an error that is in the insurance policy.

If it turns out that the information is not issued due to an error in the database, then you need to contact the insurance company and ask to correct the data on the policy. Making such a request makes sense only if it has not yet expired. The client has the right to be present when the specialist performs this procedure.

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 acknowledgment received from centralized PCA systems”). 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 (or rather several) insurance companies on the site 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 the diagnostic inspection card issued to you is entered into the 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, no one can give drivers the opportunity to indicate horsepower and other important characteristics themselves - 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 agents are not always perfect, besides, a small inaccuracy in the policy did not really matter before. 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?

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 treat this with understanding, even if an insured event occurs (at least I clarified this issue with a representative of HOSKA SG and I was assured that they recognize such an agreement, but they will ask you to come to the office and renew the contract 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. The opportunity to change the data on the concluded electronic OSAGO during a personal visit to the sales office was confirmed to me by representatives of Rosgosstrakh, adding that it is planned in the near future (in 2016?) 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.
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). I went to the central 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.

The ability to insure a car without leaving home is a real gift to car owners! However, here, too, unpleasant surprises periodically arise: for example, when, when applying for OSAGO online, a check against the AIS RSA database does not pass. Is it possible to solve the problem on my own or is a personal visit to the insurance company mandatory?

If, when applying for an OSAGO policy online, the AIS RSA check does not pass, the reason is always the same - somewhere there is a data discrepancy. The simplest option of all possible is that you simply made a mistake when entering information in the required fields. In this case, check everything again, paying attention to the correct spelling of the words.

Some insurance companies have taken care of the convenience of their customers who want to issue an electronic policy: they have added highlighting of disputed places to the service. This greatly simplifies the process of working on errors: just try several different options - and you will definitely find the right one!

In addition to typos, there is a chance that you wrote some information differently than last time. Perhaps then you copied information from the TCP, and now you wrote from memory, or vice versa. In any case, you must achieve complete identity with the data submitted last year.

The ideal option is to rewrite everything from last year's policy, then you will surely pass the PCA test.

What to do?

It is bad if it was not you who made the mistake, but the employee of the insurance company, with the help of which the previous policy was drawn up. Now this error is attributed to you until you get it fixed. So what to do? There are several options for events in this case:

If, when applying for an electronic policy, you did not pass the check by the Russian Union of Motor Insurers, you should not give up: you will always have time to stand in line at the insurance agency. Try to understand and solve the problem yourself. In most cases, this is real.

Recently, vehicle owners can take out insurance in the form of a paper document or digital record, called e-OSAGO.

Let's take a look at the implementation of these initiatives in practice and consider all the problems that an insurer who purchases a policy online can face. First, we should name a few points on which the e-OSAGO electronic policy provides a clear advantage in comparison with its traditional counterpart.

Completing an electronic OSAGO has the following advantages:

providing drivers with the opportunity to take out insurance without leaving their computer;
solving problems of queues in the offices of insurers;
elimination of difficulties with artificially created "deficit" of policy forms;
combating the unscrupulous policy of insurers to impose additional services;
reducing the cost of printing forms with various degrees of protection;
ensuring that companies save on employees (automation allows you to reduce staff);
providing an opportunity for insurers to refuse to maintain part of the offices, the demand for which should decrease.

As with many other innovations, a number of problems have arisen with electronic policies. They are related to both technical and commercial reasons.

Problems with the registration of the document through the site. The number of motorists who wished to obtain a policy in this way exceeded the capabilities of the technical infrastructure. The problem is connected not only with the overload of the servers of the insurance companies themselves, but also with the inability to serve such a large number of requests coming to the database RSA - Russian Union of Motor Insurers(information about each insured person is kept by this association).
Lack of vehicle registration information in the database. One of the significant problems is the difficulty in exchanging data between the traffic police and the RSA. If the transmission of updated data occurred with errors, then information about the existence of the client's vehicle may simply not be available.
No inspection data. One of the conditions for issuing a policy is a valid diagnostic card. Data about it may also not be available on the PCA server and the system will not allow you to issue OSAGO.
Inability to apply a reduction factor for accident-free driving. If the policyholder does not become the culprit of the accident, then he is given a discount that accumulates every year. It can reach half the cost of the policy. For some reason, the coefficient cannot be applied.
Regional restrictions. Insurers provide the opportunity to purchase a digital policy only to residents of certain cities. They attribute this to the “toxicity” of a number of regions. Under it, companies understand the prevalence of "fraudulent schemes" and the unprofitability of activities in such territories.
Problems for foreigners. These difficulties are related to regional restrictions. If a citizen lives in the capital, but is registered in another city, it will not be possible to obtain a policy. In some cases, an absurd “verification” of the client is provided, lasting up to 30 days.

Some actions of insurers specifically encourage customers to refuse to issue an electronic OSAGO:

a reference to a certain limit regarding the number of issued digital policies per day or month;
generation of passwords containing characters in Cyrillic and Latin at the same time;
intentionally limiting the methods of payment for the policy;
charging commissions for the transfer of funds.

All of the above is intended to force the user to come to the office, where he will be forced to purchase insurance along with imposed services. Insurance companies are trying in every possible way to increase the margin of insurance in this way, which is simply unprofitable in terms of OSAGO in some regions of the country due to the activities of auto lawyers. It will not be possible to condition the possibility of issuing an electronic policy by purchasing other products of the company on the site.

Such a policy violates the law, and the corresponding requirements on the company's portal will become irrefutable proof of its guilt. Such actions of insurers are often forced to file complaints against them in Rospotrebnadzor And Bank of Russia .

Important: Feel free to complain to insurance companies. The attitude towards the client after receiving money in practice is so unpleasant for most of them that you need to have proper restraint and be able to correctly and reasonably file a complaint.

Step-by-step instructions for issuing e-OSAGO

Different insurers have their own policy requirements. Without going into them, a number of general stages can be distinguished.

Create an account for a personal account. To access e-insurance, you will have to create an account on the company's website. To do this, you need to fill out the proposed form, entering the following personal data into it:

full name;
passport details;
information about the date and place of birth;
registration address;
cell phone number;
email address.

Checking the entered information. Information about the driver is checked against the data of the centralized database of the PCA. If the information about the policyholder is entered into it, then the user will be sent the account access parameters (password and login) to the email address or mobile number.

Filling out an application. In the form on the site you will need to enter information about:

the policyholder (personal data specified above);
car (the requested data is transferred from the registration certificate);
characteristics of the future policy (validity period, periods of use of the car and date of commencement of validity);
citizens who will use the machine.

Checking the entered information. All information will be compared with the contents of the PCA database. If the information is really listed in it, then the user will receive a notification with the calculation of the cost of insurance, the procedure for its payment (bank cards and / or electronic money), as well as the address to which the electronic document will be sent. When the application does not pass the review, the company will indicate the reason for the refusal of registration and offer to correct the request.

Payment and insurance. After transferring the money, the company will send the policy itself to the client's email address.

The document can be printed and taken with you. Its paper version will be a confirmation of registration of OSAGO electronically.

Mistakes when issuing e-OSAGO and their consequences

When filling out an application, there is a risk of making a mistake. Examples are:

incorrect indication of the car model;
misprints in the full name of the owner, insured and authorized drivers;
errors in the room;
inaccuracies in specifying details of registration documents;
errors in the series or number of the driver's license;
indication of the insured as the owner of the car (if these are different persons).

Let's look at the consequences of such errors.

If the insured driver gets into an accident, the company does not have the right to refuse to pay the victim, since the policy has been issued. This does not mean that the driver can ignore the inaccuracy. Problems may arise with the traffic police officer. He is more likely to take a formal approach and fine the driver for not having insurance. Checking the policy is carried out not only in the event of an accident, but also at any stop.

Regardless of the nature of the inaccuracy in the document, the driver is advised to take care of how to correct the error in the CMTPL electronic policy.

According to the changes in the law on OSAGO in 2014, direct compensation for losses from your insurer is now provided. An accident victim has the right to contact his insurance company. You can read about it

A number of unscrupulous citizens deliberately distort information about themselves. This is due to the desire to minimize the insurance premium. Examples are:

underestimation of the amount of horsepower;
false information about the registration of the insured in the countryside (the lowest territorial coefficient is provided for such owners);
overstated driving experience.

All of these options will not work if insurance has already been taken out in connection with the ownership of this car. When the car is new, this possibility exists. In this case, the fraud will be revealed the next time you contact the company (to change the parameters of insurance or due to its extension).

If fraud is detected, the insurer will require additional payment. If an intentional error is established after an accident, the company has the right to file a claim for reimbursement of payments made by the injured to an unscrupulous client.

Important: All information about the vehicle and the driver for registration of E-OSAGO is accumulated in the RSA database. Thus, before receiving the first electronic OSAGO, you will have to issue your first paper policy without fail.

How to make changes to the electronic OSAGO

One of the necessary services for electronic servicing of policyholders is the ability to comfortably make adjustments to an already executed document. Let's figure out what to do if an error is found in the electronic OSAGO, and in other situations when you need to enter new information or parameters.

The grounds for correcting an electronic document are the same as for a paper version:

introduction of new drivers;
changing the details of a driver’s license in connection with its replacement (although there is no obligation to redo insurance, there is a risk of becoming a victim of an unscrupulous traffic police officer who “does not notice” the mark on a previously valid document);
obtaining a new passport;
change of residential address.

Unlike the procedure for selling a policy, the law has not worked out the issues of introducing new information into it. This means that the only legal mechanism for changing data in OSAGO insurance is a personal appearance at the insurance company. At the same time, specialists print out a paper version of the document and the policy ceases to be digital. The validity period and other terms of the contract remain the same.

There is a possibility of being rejected by the office staff. This may be due to the fact that the premises are not occupied by the company itself, but by its brokers - agents who have the right to conclude new OSAGO contracts on behalf of the insurer. Another reason is often the desire of employees to impose an additional policy. They associate the possibility of reissuing a document with the purchase of another service. Such actions are illegal and you can complain about company representatives to higher management or to regulatory authorities (Rospotrebnadzor, a territorial division of the Central Bank of the Russian Federation, the financial ombudsman).

A number of insurers provide customers with the opportunity to adjust some document parameters through their personal account. With the growing popularity of digital insurance, there is a high probability of providing a full service that involves making changes to the electronic OSAGO policy.

Extension of the OSAGO policy and replacement of the insurer

When using a digital policy, there is a problem of its renewal. A year after registration (in some cases even earlier), the client will have to receive a new document. Its details depend on the specific insurer. The procedure will include a number of general steps.

Passing inspection. A prerequisite for extending insurance is the availability of an up-to-date diagnostic card. If it is not available, it will have to be obtained at any service station providing such services.
Filling in the data in the personal account. You must go to the website of the insurer and enter the username and password of the account. Many companies provide the possibility of a simplified extension of OSAGO. It is enough to follow the appropriate link and enter data on the number and date of registration of the diagnostic card.
Data validation. If the information is confirmed, the system will offer to proceed to the payment of the document.
Payment and receipt of the policy. After the transfer of money, a new document will be sent to the email address, as in the case of initial registration.

Important: In subsequent years, the renewal of the policy will be done via the Internet. Some insurers provide a paper-based insurance renewal service in electronic form. To do this, you need to register on the site and enter the details of the expired policy.

Another important point is the transition from one insurance company to another. The most pressing issue is the maintenance of the discount provided for accident-free driving. The functionality of the personal account does not provide for the possibility to issue a bonus-malus coefficient.

To issue it, you will have to provide the insurer with a previously issued policy. The fact of driving without an accident for the previous year will be established upon request to the previous client company.

On the latest amendments to the OSAGO law of 2017, which provided for the implementation of OSAGO payments in "kind form", i.e. in the form of repairs at authorized service stations, you can read

With the recent emergence of the digital policy, there are many gaps and problems that significantly degrade the service provided. Over time, they will be eliminated and the popularity of electronic OSAGO will become significantly higher.

Do you want to take a test on the materials of the article after reading it?

YesNot

Causes of the problem

Some insurance companies have taken care of the convenience of their customers who want to issue an electronic policy: they have added highlighting of disputed places to the service. This greatly simplifies the process of working on errors: just try several different options - and you will definitely find the right one!

In addition to typos, there is a chance that you wrote some information differently than last time. Perhaps then you copied information from the TCP, and now you wrote from memory, or vice versa. In any case, you must achieve complete identity with the data submitted last year.
The ideal option is to rewrite everything from last year's policy, then you will surely pass the PCA test.

What to do?

During the change of license, the driver may lose MBM (bonus-malus coefficient). After obtaining new rights, it is necessary that they appear in the PCA database. This is important, since at a certain time it will be necessary to renew the OSAGO, while certain difficulties may arise in obtaining a discount if the changes have not been correctly entered into this register.

Why does the discount disappear when changing rights?

As soon as the rights have been changed, you must not forget to visit the insurance company to make changes to the insurance policy. If this is done, the driver will not have any issues with the KBM during the renewal of the policy.

If the owner of the new rights does not notify his insurance company, the discount may disappear. To return this discount, you need to write an application, take it to the UK that issued the policy that was in force during the period when the rights were replaced.

Throughout the entire period of operation of CMTPL policies, drivers accumulated the bonus-malus coefficient. Discount for those who have a long accident-free driving experience, during this time the discount could reach 50%.

Every year, in accordance with the OSAGO law, if there were no accidents, the policyholder receives a 5% discount, which grows every year. And if, when reissuing an insurance contract, it turns out that there is no discount, there may be several reasons for this.

The discount could have disappeared due to the mistake of the operator or insurance agent who started the policy in the past year. When entering the client's policy into the PCA database, an employee of the insurance company could enter incorrect numbers - make a mistake in the date of birth of the buyer of the policy, in the driver's license, when writing the client's full name.
If the driver, for example, was entered into his policy for a new car by relatives, acquaintances who assume that he can ever drive their car. In this case, when the data of this driver from his driver's license is entered into the new policy, the amount of the discount indicated in the last, new policy is automatically entered into the database with a coefficient equal to 1, that is, there is no discount. You can find this fact when reissuing rights or your policy. You can correct such an unpleasant inaccuracy if you take a certificate from the UK showing the break-even of insurance and refer to the policy that has ended.
Most often, the disappearance of the discount is fixed during the replacement of a driver's license. Regardless of the reason for the change of a driver's license - loss or usual replacement due to the expiration of its validity, the data on the new document must be entered into the PCA database. Upon arrival in the UK to renew the policy, it may be found that when the agent enters the data of the updated VU into the program for obtaining a new insurance, there is no information in the database for this driver, so he was assigned a coefficient equal to 1.
There are times when the break-even driving discount mysteriously disappears. This happens when the insurance company is unwilling to provide it. Such a position of the UK is understandable, since OSAGO today is unprofitable at face value, not to mention the fact that with a discount, insurance will be half the price.

How to restore KBM when changing a driver's license?

In the application, the driver who changed his license must indicate the series and number that the old driver's documents had.

Where to apply?

There are several options for restoring the discount. Each of them is based on an appeal to the appropriate authorities. Before you go to solve this issue, you need to prepare all the necessary documents, as well as establish what caused the disappearance of the discount.

To restore KBM, you can contact the PCA, the insurance company that issued the OSAGO policy, the Central Bank of the Russian Federation, contact private brokers, use the services of Internet companies that provide services for the restoration of KBM.

Contacting the insurer

In order to restore the discount due to the driver after changing the rights, you must first contact the insurance company that issued the insurance, they must make changes to the PCA database for each driver. This method is most suitable if the VU was changed under a valid policy.

In this case, the operator is obliged to enter new VU data into the insurance and into the database. Some insurance companies provide the opportunity to apply to restore the bonus via the Internet. On the official website of the insurer, you need to enter your appeal in a special form. Attach documentation confirming the change of rights in electronic form to the application. You can send your application to the UK by e-mail, addressing it to the director of the company.

Contacting the Central Bank

If the issue of restoring the discount within 30 days has not been resolved in the UK, you can contact the Central Bank of the Russian Federation. But you need to understand that the Central Bank considers complaints regarding policies that were terminated no later than a year ago. The request from this organization will be considered in relation to all contracts that were concluded by the applicant in this UK.

Contacting the RSA

The possibility of contacting the PCA is additional if it was not possible to solve the problem in the UK or the Central Bank. You need to know that the Central Bank of the Russian Federation, despite the entry under the jurisdiction of this organization of the AIS base, is not authorized to make changes to it. But she has effective leverage over the UK, so she can force her to fulfill her obligations to the client.

Especially for citizens' appeals, the RSA website has a page that contains all the necessary information. You need to send a complaint to the mail indicated on this page. Here are the current application forms.

Procedure for filing a complaint

With copies of documents and an application, you need to go to the authority in which you will have to resolve this issue of restoring the bonus (SC, Central Bank, PCA). Recovery of KBM should be carried out according to the following scheme:

register the application with the secretary;
write an application for recalculation and for the return of money overpaid for the policy (if this fact took place);
wait 30 days for a response from the UK;
if a negative decision is received, file an application with the court;
if the answer is yes, the necessary changes will be made to the PCA database by the employees of the SC.

The documents

To restore the KBM, you need to collect the following documents:

insurance policy, incl. old;
certificates confirming the absence of unprofitable driving;
a copy of the VU;
a policy in which other drivers who have the right to drive a car are entered.

After collecting these documents and writing an application, you can go to the UK, the Central Bank of the Russian Federation or the RSA to restore the KBM. The main thing is not to waste time and act quickly.

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 (or rather several) insurance companies on the site 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 the diagnostic inspection card issued to you is entered into the 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”.

What else can be done?

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 treat this with understanding, even if an insured event occurs (at least I clarified this issue with a representative of HOSKA SG and I was assured that they recognize such an agreement, but they will ask you to come to the office and renew the contract 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. The opportunity to change the data on the concluded electronic OSAGO during a personal visit to the sales office was confirmed to me by representatives of Rosgosstrakh, adding that it is planned in the near future (in 2016?) 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.
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). I went to the central 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.

Recipients of OSAGO electronic policies have already faced the first problem. When filling out the form for obtaining an electronic policy on the corporate website of any insurance company, the client is asked to indicate the exact date of the start of the driving experience. At the same time, if for drivers who first received the right to drive a vehicle, the beginning of the experience coincides with the date of issue of the driver's license, then for persons who have already changed their rights, on the driver's license in the column "Special marks", as a rule, only the year of the beginning of the experience is indicated. As the RSA press service explained to the GARANT.RU portal, such drivers need to write December 31 of the specified year as the start date of the experience ( rice.).

Failure to indicate the exact date of the start of the driving experience by persons who have changed their driver’s license at least once will not affect the cost of the OSAGO policy (the FAC coefficient in this case will still be equal to 1). However, for persons who have received a driver's license for the first time, the price of the contract will also change depending on the date of its receipt.

Interestingly, the OSAGO paper policy also has a column with the start date of the driving experience. However, since the paper policy is usually issued by the insurer, drivers do not have this problem.

We remind you that the possibility of issuing OSAGO policies in electronic form via the Internet has appeared for citizens since July 1 (clause 7.2 of article 15 of the Federal Law of April 25, 2002 No. 40-FZ "").

Rice.A sample of filling in the field "Start date of experience" when filling out a form on the corporate website of an insurance company to receive an electronic OSAGO policy

Driver's license "Start date" field