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	<url>
		<loc>https://www.airbfordrivers.ca/resources/03-2026-notice-new-amended-policies/</loc>
		<lastmod>2026-06-16T22:04:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-04-2015/</loc>
		<lastmod>2026-06-16T22:05:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-1-2016/</loc>
		<lastmod>2026-06-16T22:05:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2016-notice-fleet-definition-update/</loc>
		<lastmod>2026-06-16T22:05:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2017-bulletin-employee-staff-discount/</loc>
		<lastmod>2026-06-16T22:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-04-2017/</loc>
		<lastmod>2026-06-16T22:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-04-2018/</loc>
		<lastmod>2026-06-16T22:06:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2019-bulletin-legalization-of-recreational-use-of-cannabis-in-rate-filings/</loc>
		<lastmod>2026-06-16T22:07:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2018-bulletin-minor-traffic-safety-convictions/</loc>
		<lastmod>2026-06-16T22:07:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2020-industry-benchmarks-schedule-ppv/</loc>
		<lastmod>2026-06-16T22:08:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2020-notice-2020-annual-review-of-industry-experience-com/</loc>
		<lastmod>2026-06-16T22:08:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-1-2021/</loc>
		<lastmod>2026-06-16T22:08:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2022-bulletin-update-to-filing-guidelines-technical-guidance/</loc>
		<lastmod>2026-06-16T22:08:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2023-bulletin-filing-underwriting-rules-pertaining-to-adverse-contractual-action-regulation/</loc>
		<lastmod>2026-06-16T22:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2023-notice-launch-of-appendix-b-in-cars/</loc>
		<lastmod>2026-06-16T22:09:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2024-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-16T22:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2024-notice-airb-budget-announcement/</loc>
		<lastmod>2026-06-16T22:10:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2025-bulletin-updated-rating-profiles/</loc>
		<lastmod>2026-06-16T22:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/annual-review-of-industry-experience-as-of-december-31-2024-for-private-passenger-vehicles-04-2025/</loc>
		<lastmod>2026-06-16T22:10:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/04-2026-notice-care-first-actuarial-costing-draft-report/</loc>
		<lastmod>2026-06-16T22:11:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-02-2015/</loc>
		<lastmod>2026-06-16T22:11:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-05-2016/</loc>
		<lastmod>2026-06-16T22:11:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-2/</loc>
		<lastmod>2026-06-16T22:12:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2017-notice-5-limitation-on-ppv-rate-increases/</loc>
		<lastmod>2026-06-16T22:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2018-bulletin-use-of-convictions-to-determine-premium/</loc>
		<lastmod>2026-06-16T22:12:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2018-notice-year-annual-review-of-industry-experience-com/</loc>
		<lastmod>2026-06-16T22:12:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2019-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-16T22:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2020/</loc>
		<lastmod>2026-06-16T22:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2020-notice-consumer-representative-appointment/</loc>
		<lastmod>2026-06-16T22:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2021-bulletin-usage-based-insurance-program-guidance/</loc>
		<lastmod>2026-06-16T22:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2022/</loc>
		<lastmod>2026-06-16T22:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2022-notice-launch-of-collection-and-reporting-system/</loc>
		<lastmod>2026-06-16T22:14:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2023-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-16T22:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-05-2023/</loc>
		<lastmod>2026-06-16T22:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2024-bulletin-update-to-technical-guidance/</loc>
		<lastmod>2026-06-16T22:15:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/05-2024-notice-alberta-ca-change-for-cars-log-in/</loc>
		<lastmod>2026-06-16T22:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-05-2025/</loc>
		<lastmod>2026-06-16T22:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2015-bulletin-rating-profiles/</loc>
		<lastmod>2026-06-17T14:27:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulleting-to-all-insurers-ppv-06-2016/</loc>
		<lastmod>2026-06-17T14:27:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-06-2017/</loc>
		<lastmod>2026-06-17T14:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2018-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-17T14:28:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2018-notice-appointment-of-board-members/</loc>
		<lastmod>2026-06-17T14:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2019-bulletin-2019-annual-review-final-report/</loc>
		<lastmod>2026-06-17T14:30:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2020-bulletin-grid-rating-program-premium/</loc>
		<lastmod>2026-06-17T14:31:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2021-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-17T14:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2022/</loc>
		<lastmod>2026-06-17T14:33:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2022-notice-launch-of-new-airb-website/</loc>
		<lastmod>2026-06-17T14:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2023/</loc>
		<lastmod>2026-06-17T14:34:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-06-2023/</loc>
		<lastmod>2026-06-17T14:35:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2024/</loc>
		<lastmod>2026-06-17T14:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/06-2024-notice-consumer-representative-appointment/</loc>
		<lastmod>2026-06-17T14:36:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/publishing-of-2024-excess-profit-review-results-06-2025/</loc>
		<lastmod>2026-06-17T14:37:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2015/</loc>
		<lastmod>2026-06-17T14:37:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/industry-benchmarks-schedule-2-2016/</loc>
		<lastmod>2026-06-17T14:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2017/</loc>
		<lastmod>2026-06-17T14:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2018-bulletin-2018-annual-review-final-report/</loc>
		<lastmod>2026-06-17T14:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2019/</loc>
		<lastmod>2026-06-17T14:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2020-bulletin-technical-guidance/</loc>
		<lastmod>2026-06-17T14:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2021-bulletin-grid-rating-program-premium/</loc>
		<lastmod>2026-06-17T14:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2022-bulletin-grid-rating-program-premium/</loc>
		<lastmod>2026-06-17T14:40:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2022-notice-publishing-of-2022-market-trends-report/</loc>
		<lastmod>2026-06-17T14:40:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2023/</loc>
		<lastmod>2026-06-17T14:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/07-2023-notice-board-member-appointment/</loc>
		<lastmod>2026-06-17T14:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2024/</loc>
		<lastmod>2026-06-17T14:41:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-07-2024/</loc>
		<lastmod>2026-06-17T14:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/publishing-of-2025-market-trends-report-07-2025/</loc>
		<lastmod>2026-06-17T14:42:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2016/</loc>
		<lastmod>2026-06-17T14:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2017/</loc>
		<lastmod>2026-06-17T14:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2018/</loc>
		<lastmod>2026-06-17T14:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2019/</loc>
		<lastmod>2026-06-17T14:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2020-bulletin-guidance-on-reform-factors/</loc>
		<lastmod>2026-06-17T14:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2021-bulletin-2021-annual-review-final-report/</loc>
		<lastmod>2026-06-17T14:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2022-bulletin-update-to-technical-guidance/</loc>
		<lastmod>2026-06-17T14:46:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2023-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-17T14:46:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2023-notice-annual-grid-adjustment-postponed/</loc>
		<lastmod>2026-06-17T14:47:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/08-2024-bulletin-grid-rating-program-premium/</loc>
		<lastmod>2026-06-17T14:47:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/notice-to-all-stakeholders-08-2024/</loc>
		<lastmod>2026-06-17T14:47:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/organizational-changes-to-support-mandate-08-2025/</loc>
		<lastmod>2026-06-17T14:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2018/</loc>
		<lastmod>2026-06-17T14:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-09-2019/</loc>
		<lastmod>2026-06-17T14:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/09-2020-bulletin-approval-of-2020-clear-rate-group-tables/</loc>
		<lastmod>2026-06-17T14:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/ppv-industry-benchmarks-schedule-2-2021/</loc>
		<lastmod>2026-06-17T14:50:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/09-2023-bulletin-communication-to-policyholders-on-good-driver-protection/</loc>
		<lastmod>2026-06-17T14:50:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/09-2023-notice-review-of-insurer-communications-to-policyholders/</loc>
		<lastmod>2026-06-17T14:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/09-2024-bulletin-update-to-filing-guidelines/</loc>
		<lastmod>2026-06-17T14:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/09-2024-notice-update-on-grid-reform/</loc>
		<lastmod>2026-06-17T14:51:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/bulletin-to-all-insurers-ppv-10-2018/</loc>
		<lastmod>2026-06-17T14:52:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/10-2019-bulletin-update-to-ubi-filing-guidelines/</loc>
		<lastmod>2026-06-17T14:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/commercial-industry-benchmarks-schedule-2021/</loc>
		<lastmod>2026-06-17T14:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/10-2023-bulletin-permissible-changes-to-rating-programs-under-ministerial-order-38-2023/</loc>
		<lastmod>2026-06-17T14:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/10-2023-notice-publishing-of-2023-market-trends-report/</loc>
		<lastmod>2026-06-17T14:53:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/10-2024-bulletin-communication-to-policyholders-on-good-driver-protection/</loc>
		<lastmod>2026-06-17T14:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/11-2018-bulletin-gender-x/</loc>
		<lastmod>2026-06-17T14:54:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/11-2019-bulletin-approval-of-2019-clear-rate-group-tables/</loc>
		<lastmod>2026-06-17T14:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/11-2023-notice-ai-ml-survey-results/</loc>
		<lastmod>2026-06-17T14:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/11-2024-bulletin-policy-on-return-of-excess-premiums/</loc>
		<lastmod>2026-06-17T14:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/annual-review-2021/</loc>
		<lastmod>2026-06-17T15:22:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/compensation-disclosure-2020-2025/</loc>
		<lastmod>2026-06-17T15:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/semi-annual-review-2021/</loc>
		<lastmod>2026-06-17T16:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/semi-annual-review-2022/</loc>
		<lastmod>2026-06-17T16:30:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/semi-annual-review-2023/</loc>
		<lastmod>2026-06-17T16:36:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.airbfordrivers.ca/resources/semi-annual-review-2024/</loc>
		<lastmod>2026-06-17T16:37:15+00:00</lastmod>
	</url>
	<url>
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