The information statement for auto insurance at Direct Assurance follows the same regulatory obligations as any insurer, but the application process, actual timelines, and specific pitfalls of an online insurer warrant careful reading before initiating the procedure.
Article A.121-1 of the Insurance Code: what Direct Assurance must legally provide
Article A.121-1 of the Insurance Code requires every insurer to issue the information statement within a maximum period of 15 days following the request. This timeframe applies whether the auto contract is active or canceled. Direct Assurance, as an online insurer and subsidiary of AXA, does not deviate from this.
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The document must include the claims history for the past five years, the bonus-malus coefficient (CRM) applied at the due date, and the identity of the main driver. Any omission of these elements renders the statement incomplete, which can hinder subscription with a new insurer.
When you make a request for an information statement from Direct Assurance, always check that the document received covers the entire insured period. If you changed vehicles during the contract, the statement must cover each vehicle separately.
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Direct Assurance Client Area: obtain the statement without going through the mail
Direct Assurance offers digital access via the online client area and the mobile app. The statement is usually available in PDF format, often within 24 hours, well below the legal deadline of 15 days.
To access it, log in to your insured area, then go to the “My Documents” or “My Auto Contract” section. The information statement is among the downloadable documents if your contract is active or recently canceled.
If the document does not appear in the client area, two options remain available:
- Send an email to customer service specifying your contract number, the make, model, and registration of the vehicle concerned
- Use the letter template provided by Direct Assurance (available in PDF on their site), explicitly citing Article A.121-1 of the Insurance Code to formalize the request
- Contact the phone service, which can initiate the email sending within a few working days
We recommend prioritizing the digital route: email or the client area leaves a dated record, useful in case of disputes over the transmission time.
Case of a contract canceled for more than two years
If your auto contract with Direct Assurance has been canceled for several years, the client area may be deactivated. The statement is still owed by the insurer, but you will need to go through postal mail or an email to the cancellation service. Mention your old contract number and attach a copy of your ID to expedite processing.
European Claims Statement: what changes from July 2025
As of July 24, 2025, the classic information statement will be replaced by the European Claims Statement (ECS). This document, standardized at the European Union level, modifies the presentation and content of the statement issued by Direct Assurance.
The ECS adopts a standardized, readable format recognized in all EU member countries. For a driver changing insurers within the European space, this statement is directly usable without translation or adaptation. The French Insurance Federation supports the compliance of French insurers with this new framework.
In essence, the information remains comparable: claims history, bonus-malus coefficient, identification of the vehicle and driver. The difference lies in the formatting and portability of the document. An ECS issued by Direct Assurance is valid with a German or Spanish insurer, which was not guaranteed with the old information statement.
Transition period and common errors
Some insured individuals who requested their statement around the transition date received a document in the old format. If your new insurer requires an ECS compliant with the new standard, you can request a reissue from Direct Assurance specifying that you want the European Claims Statement format.
Verification of the statement and errors to correct before transmission
An information statement containing an error on the CRM or the claims history can lead to a premium increase with the new insurer, or even a refusal to subscribe. Before transmitting the document, we recommend checking each line.
The most common errors involve:
- A non-responsible claim counted as responsible, skewing the bonus-malus coefficient
- An incomplete coverage period when the driver has had multiple vehicles insured successively with Direct Assurance
- The absence of mention of the secondary driver, who then loses their insurance history
- A CRM not reflecting the last annual due date of the contract
Any anomaly must be reported in writing to Direct Assurance customer service. The insurer then has a reasonable time to correct and reissue the document. Keep a copy of the initial statement and your correction request.
Statement covering the last 24 months: a subscription requirement
Direct Assurance, like most online insurers, requires at the time of subscription the statement(s) covering the 24 months preceding the date of the quote. If you have been insured with multiple companies during this period, each insurer must provide its own statement. The absence of a document within the required deadlines can lead to the cancellation of the new contract, a clause that Direct Assurance effectively enforces.
Anticipating the request as soon as the old contract is canceled, rather than at the time of subscription, avoids this type of blockage. A statement obtained a few weeks before changing insurers remains perfectly valid for the new subscription.