The information statement is a standardized document that every auto insurer must provide to their client upon simple request. It outlines the history of declared claims and the bonus-malus coefficient applied to the contract. At Direct Assurance, the process to obtain it follows a specific circuit, with some particularities related to its operation as an online insurer.
European claims statement: what has changed since July 2025
Since July 24, 2025, the classic information statement has been replaced by the European claims statement (ECS). This standardized document is recognized across all European countries, simplifying the process for drivers who change insurers beyond French borders.
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In practice, the content remains comparable: identification of the driver, claims history over the last few years, bonus-malus coefficient at the date of issuance. The difference lies in the standardization of the format, which requires each insurance company, including Direct Assurance, to adhere to a common template.
One point deserves attention: insurers now have the option to issue this document in exclusively digital format. A paper version remains available upon explicit request from the insured, as France Assureurs reminds in its communications on European harmonization. Knowing how to obtain a Direct Assurance information statement therefore requires knowledge of the channels accepted by this particular insurer.
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Request for Direct Assurance information statement: available channels
Direct Assurance primarily operates online, but the request for an information statement does not always go through a simple click in the client area. Unlike some large groups that offer a self-service download updated after each annual deadline, Direct Assurance may require an explicit request.
Client area and internal messaging
The first option is to log into the personal area on the Direct Assurance website. Depending on the account configuration, the document may be accessible directly in the section dedicated to contractual documents.
If this is not the case, a message via the internal messaging system of the client area allows the request to be sent to the relevant service. The message must include the contract number, vehicle registration, and the desired period.
Postal mail with mandatory mentions
Article A.121-1, article 12 of the Insurance Code governs this request. Direct Assurance also provides a template letter that must include:
- The complete contact details of the policyholder (name, address)
- The number of the relevant auto insurance contract
- The model, make, and registration of the insured vehicle
- The explicit mention of the legal basis (article A.121-1 of the Insurance Code)
This letter is addressed to the insurance company at the registered office indicated in the special conditions of the contract. Sending it by registered mail with acknowledgment of receipt is not mandatory, but it creates proof of the date of request.
Delivery time and pitfalls to know about the auto information statement
The insurer is required to provide the information statement within a fifteen-day period following the request. This legal timeframe applies to Direct Assurance just like any other company. In practice, the response often arrives faster when the request is made electronically.
Some situations can prolong the process. A file containing a payment incident or a cancellation for non-payment may delay the issuance of the document. The insurer does not have the right to refuse to issue the statement, but internal processing times may sometimes stretch beyond reasonable limits in these cases.
The freshness constraint of the document
Comparators and new insurers almost systematically require a information statement less than three months old to validate a subscription. An older document does not allow for obtaining a definitive rate, as the bonus-malus coefficient and claims history may have changed in the meantime.
This constraint necessitates careful synchronization of the request with the timing of changing insurers. Requesting the statement too early risks having to renew the process.
Multiple insurers in the last 24 months
Direct Assurance requires coverage for the last 24 months preceding the date of the quote. A driver who has changed insurers during this period must request an information statement from each relevant company. The omission of a single document can block the final validation of the new contract, or even lead to its cancellation.
Transmission of the information statement to Direct Assurance during a subscription
When the statement is requested in the opposite direction, that is to say to provide it to Direct Assurance after a new subscription, the procedure involves sending a digitized document. A readable scan or photo is sufficient, provided that all mentions are clearly visible: date of issuance, coefficient, claims history, stamp or signature of the previous insurer.
The document must be transmitted within the deadlines indicated during the subscription. Direct Assurance warns that failure to provide the statement within the deadlines leads to the cancellation of the contract. This rule applies without exception, regardless of the reason for the delay.
- Check that the statement covers the entire 24 months requested
- Ensure that the date of issuance of the document meets the freshness constraint
- Keep a copy of the transmitted statement, with the date of sending, as proof in case of dispute
The information statement remains the only enforceable document to justify a driving history with a new insurer. At Direct Assurance, the process relies on an active request from the driver, either electronically or by mail. Anticipating the request a few weeks before a contract change avoids blockages related to processing times or the expiration of the document.