The information statement is the document that determines the calculation of your bonus-malus coefficient when changing insurers. At Direct Assurance, the digital subsidiary of AXA, the request procedure relies on dematerialized channels that speed up the acquisition of the document, provided you are aware of the technical friction points.
Article A.121-1 of the Insurance Code: what Direct Assurance must provide you
Article A.121-1 of the Insurance Code constitutes the regulatory foundation for issuing the information statement. This text requires any insurer to provide the document upon simple request from the policyholder, whether the contract is active or terminated. Direct Assurance, like any insurer operating in France, is bound by this obligation.
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The statement covers the last five years of the driver’s history under the relevant contract. It mentions the reduction-increase coefficient (CRM), the list of declared claims (with their nature and the portion of responsibility assigned), as well as information related to the insured vehicle.
A point often overlooked: the statement is attached to the contract, not the driver. If you have insured multiple vehicles with Direct Assurance under separate contracts, you will need to make a request for each contract number. We recommend systematically checking that the CRM indicated on the statement corresponds to that applied on your latest notice of expiration, as discrepancies sometimes occur after a late claim.
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To request your information statement from Direct Assurance, the most direct route remains the online client area, but other channels are available depending on your contractual situation.
Direct Assurance Client Area: access to the information statement online
Direct Assurance provides the information statement directly from the insured area on its website. The document is generally downloadable in PDF format in the section dedicated to contractual documents, alongside the specific conditions and the insured vehicle memo.
Since April 2024, the insured vehicle memo has replaced the green card as proof of insurance. The information statement remains a document distinct from the vehicle memo, even though both appear in the same documentary space. Do not confuse them: the memo certifies the current coverage, while the statement outlines the history of claims and the bonus-malus.
If the statement does not appear in your client area (a common case for recently subscribed contracts or contracts terminated for more than a year), the request must go through another channel.
Request by mail or by telephone customer service
For terminated contracts or when the online space does not provide access to the document, Direct Assurance offers a template for the request letter. This standard letter, downloadable from the insurer’s website, includes the mandatory mentions:
- The complete contact details of the policyholder (name, address, contract references)
- The identification of the concerned vehicle (make, model, registration)
- The explicit reference to Article A.121-1 of the Insurance Code, which legally grounds your request
- The mention “urgent” if you are in the process of subscribing with a new insurer
The customer service by phone can also handle the request. We observe that this channel is faster for active contracts, as the advisor can trigger the sending of the document by email immediately after the call.
Information statement and subscription: technical pitfalls to anticipate
The information statement is the key document for any new auto subscription. Without this document, no insurer can calculate your final premium. Direct Assurance requires it both when you leave and when you arrive.
When subscribing with Direct Assurance, the statement from your previous insurer must cover the most recent possible period. A statement older than three months may be refused or lead to a request for additional information. If you change insurers during the year, the statement issued at the last annual deadline does not reflect claims that have occurred since: request an updated version.
Bonus-malus coefficient: check before transmitting
The CRM displayed on the information statement directly determines the amount of the premium with the new insurer. An error in this coefficient, even minor, can represent a difference of several dozen euros on the annual premium.
Check these points before transmission:
- The CRM must correspond to that of your last notice of expiration with Direct Assurance
- The listed claims must be exhaustive (an omitted claim may resurface during an inter-insurer check via the AGIRA file)
- The contract effective date and the termination date must be consistent with your actual history
In case of an anomaly, contest it with Direct Assurance before transmitting the statement to the new insurer. A correction after subscription complicates the process and may delay the effectiveness of your coverage.
Information statement for home insurance with Direct Assurance
The information statement is not reserved for auto insurance. Direct Assurance also offers home insurance contracts, and the principle remains the same: the document outlines the history of declared claims on the insured property.
The major difference lies in the content. The home statement does not include a bonus-malus coefficient, since this mechanism does not exist in multi-risk home insurance. It lists the claims (water damage, theft, fire) with the amounts compensated, over a period that generally covers the last five years.
This document remains useful when changing home insurers, as the new insurer uses it to assess the risk profile of the property and the occupant. The request follows the same channels as for auto: client area or direct contact with customer service.
The information statement, whether concerning a vehicle or a home, remains a right of the policyholder. Always keep a copy of each statement obtained, even after termination: these documents may be requested years later by an insurer wishing to verify your history.