A number, a date, and everything speeds up: for 85% of French drivers, the information statement dictates the ups and downs of their insurance change. A document that is not so trivial, capable of hastening or blocking the transition from one insurer to another. For some, sending the document is a breeze; for others, the delays stretch out. At Direct Assurance, the rules of the game fluctuate between automation and personal initiative. It all depends on the chosen channel, the timing of the request, and sometimes the persistence of the client.
The auto information statement: a key document for your insurance
It is impossible to reduce the information statement to a mere formality. This document, governed by the insurance code, outlines the driver’s history: years of experience, bonus-malus, number and nature of claims, as well as interruptions, suspensions, or cancellations. It also includes information about the insured vehicle, the subscription date, the contract number, and the driver’s status, whether they are driving every day or only occasionally.
A lire aussi : How to calculate net salary from gross salary: the case of an annual income of 35,000 euros
Since the European harmonization, the European Harmonized Information Statement (EHIS) has become the standard. This format, rolled out in 2025, consolidates all the necessary data for evaluating the file into one document: identity, claims from the last five years, vehicle details, bonus-malus history, reasons for any potential cancellation.
This level of transparency secures both the insurer and the insured. When it comes to taking out new insurance or leaving their current insurer, this statement becomes the compass for pricing: the insurance premium directly depends on the coefficient and the driver’s history. To be accepted, the statement generally needs to be less than three months old, except for young drivers, who start their journey without a history.
A voir aussi : Mastering the Art of Letter Writing: How to Write the Perfect Letter
To obtain a Direct Assurance information statement, ensure that all useful information, history, claims, contract status, is present. This document remains the key piece to guarantee an accurate assessment of your road experience.
Why is this document essential when changing insurers?
Changing insurers means laying all cards on the table. The information statement serves as a reference file: without it, it is impossible to calculate the bonus-malus or to propose a premium related to the driver’s profile. Companies insist on it, and regulations do too: any new subscription requires a recent statement, dated within the last three months.
This document leaves nothing to chance. It details the driving history: number of claims, degree of responsibility, coverage periods, possible cancellations. It protects the driver against unpleasant surprises and allows the insurer to verify, via the AGIRA file, that everything aligns between declarations and reality. Here are the key points this check focuses on:
- The subscription date and cancellation date of the previous contract
- The number and nature of declared claims
- The exact level of the bonus-malus
- The status of the driver (main, secondary, occasional)
One detail to remember: the Hamon law allows leaving an insurer without justification after one year of the contract, but requires the presentation of an up-to-date information statement. Young drivers, on the other hand, start from scratch. With each cancellation, the insurer is required to send the document without delay, thus ensuring continuity in the process. This statement, a central pivot, structures the trust between each driver and their insurer.
Quickly obtain your information statement from Direct Assurance: procedures, tips, and deadlines to know
Direct Assurance focuses on digital simplicity. The online client area remains the fastest option: a login, a few clicks in the section dedicated to the auto insurance contract, and the information statement is immediately downloadable. The service is available at any time, for total autonomy.
But not everyone wants to do everything online. For those who prefer to speak with a representative, the customer service is accessible by phone: an advisor will then send the document, most often by email, within 48 to 72 hours. A written request (by email to customer service) also works, especially if accessing the personal area poses a problem.
Direct Assurance complies with the regulations set by Article A. 121-1 of the Insurance Code: the statement must be provided free of charge within a maximum of 15 days to any client who requests it. After cancellation, the sending is done automatically. If the statement is delayed or missing, it is possible to contact the insurance mediator to resolve the situation.
Here are the proposed methods of obtaining and the associated deadlines:
- Immediate download via the client area
- Request by phone or email for transmission within 3 days
- Regulatory deadlines, possibility of recourse in case of dispute
Because it concentrates data on bonus-malus, claims, and all developments of the auto contract, the information statement is essential for transitioning smoothly from one insurer to another. Its quick acquisition makes all the difference: a hassle-free insured journey, facilitated mobility, and the certainty of moving forward with an up-to-date file, ready to convince the next insurer or to open the door to better conditions.