Fake policies: how fraud undermines the market and why the official path is critically important
OSAGO RF
OSAGO KR
Civil liability insurance Entry
26 February 2026
Fake policies: how fraud undermines the market and why the official path is critically important
Online insurance registration has made the market more convenient and faster. But along with this, another phenomenon has emerged — a rise in fake offers, counterfeit documents, and gray schemes that are almost indistinguishable from legal registration.
Experts and government agencies in different countries are increasingly recording cases where drivers and partners encounter invalid policies — sometimes not finding out about it until their first accident.
Experts and government agencies in different countries are increasingly recording cases where drivers and partners encounter invalid policies — sometimes not finding out about it until their first accident.
Why the topic of fake policies has become relevant right now
The digitalization of auto insurance is accelerating:
But where demand grows, fraudulent schemes also appear. Their goal is to get money for a policy that:
- online registration has become the norm,
- clients want it "fast and without unnecessary questions",
- the market is expanding due to new drivers and regions.
But where demand grows, fraudulent schemes also appear. Their goal is to get money for a policy that:
- is not registered in the official database,
- is issued in someone else's name,
- or has no legal force at all.
Russia: fake OSAGO and counterfeit websites
In Russia, the Ministry of Internal Affairs and investigative authorities have officially confirmed cases where fraudsters sold invalid OSAGO policies through fake websites that visually copied the pages of insurance companies.
According to RBC, such schemes lead to the driver finding out about the problem only after an accident, when the insurance company refuses to pay because the policy is not in the registry.
Experts also note that fake policies can look absolutely correct — with seals, QR codes, and PDF files, but not be registered with the RSA.
According to RBC, such schemes lead to the driver finding out about the problem only after an accident, when the insurance company refuses to pay because the policy is not in the registry.
Experts also note that fake policies can look absolutely correct — with seals, QR codes, and PDF files, but not be registered with the RSA.
📌 Conclusion: the appearance of a document is no longer a guarantee of its authenticity — only official registration matters.
Kazakhstan: counterfeit documents and "gray" registration schemes
In Kazakhstan, government agencies have officially warned about the spread of counterfeit documents that imitate official papers — with logos, seals, and signatures.
Additionally, Kazakh media have reported cases where drivers were offered "cheap OSAGO", but upon verification:
📌 Trend: the more actively the market moves online, the more important a transparent source of registration becomes.
Additionally, Kazakh media have reported cases where drivers were offered "cheap OSAGO", but upon verification:
- the policy was not found in the database,
- it was issued to another person,
- or it was not valid when an insured event occurred.
📌 Trend: the more actively the market moves online, the more important a transparent source of registration becomes.
Kyrgyzstan: market growth — growth of responsibility
In Kyrgyzstan, the auto insurance market is actively growing amid increased control and the implementation of violation recording systems.
Experts note that against the backdrop of growing demand, attempts are also appearing to:
In such cases, the risks are borne not only by the driver but also by the partner through whom the registration was processed.
Experts note that against the backdrop of growing demand, attempts are also appearing to:
- issue a policy using forged documents,
- use fictitious data,
- use insurance in staged accident schemes.
In such cases, the risks are borne not only by the driver but also by the partner through whom the registration was processed.
Uzbekistan: digitalization and new vulnerabilities
In Uzbekistan, regulators emphasize the importance of taking out insurance exclusively through official insurance companies and platforms, as the online environment has simplified not only the process but also fraud.
The market has recorded cases of:
📌 Conclusion: digitalization requires not speed, but control and transparency.
The market has recorded cases of:
- registration without transferring data to official databases,
- offers to "get it faster and cheaper" outside the system,
- the policy having no legal force upon verification.
📌 Conclusion: digitalization requires not speed, but control and transparency.
Why the official path is no longer an "option" but a necessity
All these cases share one thing:
problems arise where there is no transparency and official registration.
That is why it is fundamentally important that when working through GreenGo:
This protects:
If doubts arise during registration regarding documents or client behavior — it is better to stop and contact your curator. Sometimes refusing a questionable registration is the best way to protect your business.
problems arise where there is no transparency and official registration.
That is why it is fundamentally important that when working through GreenGo:
- policies are issued directly through insurance companies;
- data is automatically transferred to official databases (NSIS and analogues);
- the client immediately receives a PDF document and electronic policy;
- the partner retains a complete history of registrations and accruals.
This protects:
- the client — from losing money and a false sense of security;
- the partner — from reputational and legal risks;
- the market — from distrust in insurance as a whole.
If doubts arise during registration regarding documents or client behavior — it is better to stop and contact your curator. Sometimes refusing a questionable registration is the best way to protect your business.
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