The information statement is the only document that outlines your driving history with an insurer. Bonus-malus coefficient, declared claims, contract subscription date: all this data is included. When you change car insurance, your new insurer requires it to calculate your rate. Obtaining this document from Caisse d’Épargne can take a few minutes or several days, depending on the channel used.
Legal timeframe and insurer obligations for the car information statement
The Insurance Code requires every insurer to provide the information statement upon simple request from the insured. This right exists throughout the duration of the contract, but also after its termination. The insurer cannot condition the issuance of the document on a specific reason or charge any fees.
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In practice, the transmission time varies. Most insurers commit to sending the document within one to two weeks by postal mail. Through digital means, the timeframe is significantly reduced.
To obtain your Caisse d’Épargne car insurance information statement, several channels exist, with very different response times.
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Request channels at Caisse d’Épargne: phone, agency, or client space
Caisse d’Épargne offers three main ways to obtain this document. The choice of channel directly affects the speed of the process.
Call the dedicated number
The Cristal number 09 69 36 45 45 (non-premium rate call) allows you to reach an insurance manager. You make your request by phone, and the document is then sent by mail or electronically. This channel remains useful when the online space does not yet offer direct download of the statement.
Appointment at the agency with an advisor
Going through your bank advisor at the agency works, but adds a delay related to scheduling an appointment. This option is suitable if you have other questions about your car insurance contract, such as a vehicle change or a modification of coverage.
Online client space and mobile app
From 2024-2025, French insurers, including those of the BPCE group, are generalizing the digital availability of insurance documents via the client space and mobile app. For Caisse d’Épargne, this trend translates into increasing access to documents in PDF format directly from your account.
Field feedback varies on this point: some insured individuals report being able to download their information statement in a few clicks from the insurance section of their client space, while others still have to go through the phone. The availability of the document online depends on your regional fund and the date of your contract subscription.
What the information statement contains and how to verify it
The information statement is not just a simple summary. It is the document on which your future insurer bases their decision to apply or not apply a surcharge. Checking its content before transmitting it avoids pricing errors.
The document contains several blocks of information:
- The identity of the policyholder: name, first name, date of birth, driver’s license number and date of issuance.
- The characteristics of the insured vehicle: registration, make, model, and date of first registration.
- The claims history over the last few years, including the nature of each claim (responsible, not responsible, partial) and any amounts involved.
- The current bonus-malus coefficient, also known as the reduction-increase coefficient (CRM), which determines the level of surcharge or reduction applied to your contract.
An error in the bonus-malus coefficient or in a claim can lead to an unjustified surcharge with your new insurer. If you notice any discrepancies, send a written complaint to your current insurer. The corrected statement must be issued free of charge.
Removal of the green card: what impact on your procedures
Since April 1, 2024, the insurance green card and the windshield sticker have been removed. The verification of a vehicle’s insurance is now done through the Insured Vehicles File (FVA), consulted directly by law enforcement.
This removal changes the hierarchy of useful documents. The information statement remains the only detailed proof of your insured history. The insurance certificate, on the other hand, simply proves that your vehicle is covered on a given date, without mentioning your claims history or your bonus-malus.
Confusing the two documents is a common mistake. A new insurer requesting an information statement will not accept a simple certificate as a substitute. Preparing the correct document in advance speeds up the signing of your new contract.
Anticipate the request to save time when changing insurers
The information statement is often requested at the last minute, when the new contract is about to be signed. This rush generates avoidable delays.
Requesting your information statement as soon as you consider changing car insurance, even before comparing offers, puts you in a more comfortable position. The document is valid and reflects your situation on the day it is issued. A recent statement facilitates rate negotiation with a new insurer, as it immediately proves your driving profile.
If you terminate your car contract with Caisse d’Épargne, the information statement should be sent to you automatically. In practice, check that you have received it within a few days following the effective termination. If not, follow up by phone or through your client space to avoid a delay in setting up your new coverage.