The auto information statement from Caisse d’Épargne is a regulatory document governed by the Insurance Code. It outlines the driving history, declared claims, and the driver’s bonus-malus coefficient. Obtaining this document online requires navigating through the BPCE Assurances client space, which has a different structure depending on the regional Caisse to which the contract is linked.
Bonus-malus coefficient and technical data of the auto information statement
The information statement is not limited to a summary of claims. It includes the reduction-increase coefficient (CRM) calculated at each annual due date, the exact dates of each claim, the degree of responsibility assigned, and the nature of the damages (material, bodily, glass breakage).
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This coefficient directly affects the premium offered by any new insurer. A CRM of 0.50 (maximum bonus) can only be achieved after several consecutive years without a responsible claim. Conversely, each responsible claim results in an increase regulated by law.
We recommend systematically checking the consistency between the CRM displayed on the statement and the one applied on the contract’s due notice. Discrepancies may exist, especially after a partially responsible claim where the sharing of responsibility has not been correctly reflected. If you are looking for details on the online account statement from Caisse d’Épargne, the process requires understanding these mechanisms even before downloading the document.
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Caisse d’Épargne information statement: access via the online client space
The auto insurance distributed by Caisse d’Épargne is managed by BPCE Assurances IARD. Access to the information statement is through the insurance section integrated into the online bank, not through a separate insurer portal.
Navigation in the client space
After logging into the Caisse d’Épargne client space, the section dedicated to insurance contracts is usually found under the “Insurance” or “My Contracts” tab. The auto information statement is among the documents associated with the vehicle contract, at the same level as the certificates and specific conditions.
The statement is not always automatically generated in PDF format. In some regional Caisses, a specific request must be made through the secure messaging of the client space. The availability time then varies from a few hours to several business days.
Request via secure messaging or phone
If the document does not appear in the online document space, we find that the most reliable method remains the request via the internal messaging of the client space. Specify the contract number, the registration of the concerned vehicle, and the desired period.
The insurer is required to provide this document at any time, not only upon cancellation. Article A. 121-1 of the Insurance Code governs this obligation. A refusal or excessive delay can be reported to the ACPR.
Reform of the European format for the auto information statement
The model for the auto and two-wheeler information statement is subject to European harmonization. The format governed by Article 12 of the annex to Article A121-1 of the Insurance Code imposes a standardized structure that BPCE Assurances IARD applies upon request.
This harmonization modifies the presentation of the document. The sections are now organized according to a common model for all European insurers, facilitating the portability of the statement when changing insurers, including to a foreign insurer.
- Complete identity of the policyholder (name, date of birth, driver’s license number and date)
- Details of the insured vehicle (registration, make, model, date of first registration)
- Claims history with date, nature, degree of responsibility, and compensation amount
- Reduction-increase coefficient in effect at the date of issuance
The transition to this harmonized format renders old statements in free format obsolete. Ensure that the downloaded document complies with the new regulatory model, as some automatically generated PDFs may still use the old template.
Digitization of auto insurance and management of the information statement
As of April 1, 2024, the green card and insurance sticker have been eliminated. Proof of insurance now relies on the File of Insured Vehicles (FVA), accessed in real-time by law enforcement. A document called the Insured Vehicle Memo is provided to the policyholder upon subscription or vehicle change, accessible in PDF format in the client space.
This 100% digital approach reinforces the role of the online space as a single access point for contractual documents. The information statement is part of this continuity: there is no longer any reason to visit an agency to obtain it.
Common errors when retrieving the document
- Confusing the information statement (claims history and CRM) with the insurance certificate (proof of current coverage)
- Downloading a statement related to a previously sold vehicle without verifying that the active contract is correctly selected
- Not requesting an updated statement after a recent claim, which skews the CRM sent to the new insurer
The information statement must be dated within the last three months to be accepted by most insurers when subscribing. An older document may be refused or lead to a request for additional information.
The online management of the Caisse d’Épargne auto contract also allows for consulting the subscribed guarantees, modifying the declared drivers, and simulating the impact of a claim on the bonus-malus. The information statement remains the only portable document from one insurer to another, making it the key piece in any contract change process.