Reports and Resources
Filters
Bi-annual consultations on industry benchmarks, including draft publications, stakeholder input, and final reports.
Performance benchmarks developed through annual and semi-annual reviews.
Communications on issues that require action, change in practice, or future regulatory compliance.
Rolling three-year plans outlining AIRB’s priorities, goals, and strategic direction.
Reviews and reports assessing whether insurers have exceeded benchmark profit levels, based on submitted financial data and AIRB analysis.
Requirements and expectations for preparing full and file-and-use filings.
Visual documents that explain key industry issues.
Information on acts that govern the operation of auto insurance in Alberta.
Bi-annual data and insights on market performance for passenger and commercial vehicles.
General communications that do not require action.
Formal directives requiring rate filings or communicating written regulatory decisions, including grid premium determinations.
Board-approved policies that guide AIRB’s governance, operations, and regulatory approach.
Provincial regulations that support and define the application of auto insurance legislation in Alberta.
Formal publications including annual reports and special topic reports.
Detailed guidance on technical requirements for full and file-and-use filings.
Resource List
Understanding Auto Insurance
This guide introduces key terms and concepts about auto insurance in Alberta in an understandable way.
Privacy Management Program
Sets out AIRB’s policies and procedures which promote its compliance with and duties under the Protection of Privacy Act. These policies and procedures have been established to ensure privacy is protected and to ensure alignment of the same with the requirements of the Protection of Privacy Act.
Code of Conduct and Ethics
Establishes the rules governing the business and ethical conduct for all Directors and Employees of the Automobile Insurance Rate Board.
Establish Initial Grid Step Placement
To be used as a quick reference for establishing the initial Grid step placement - more information may be required to provide an accurate Grid premium calculation.
Alberta's Grid System
To protect Albertans, the AIRB sets the maximum price insurers can charge for mandatory coverage, called the Grid premium. Insurers are required to charge the lower of their premium and the Grid premium. There is no cap on optional coverages.
Fraud Prevention
Insurance fraud increases your insurance premiums and we can all play a part in preventing it. If you suspect or know of an insurance fraud incident, report it immediately. You will help reduce the costs to all drivers and possibly protect innocent drivers from injury and expense.
Why Do Rates Increase
A list of contributing factors as to why your auto insurance rates increase.
How Auto Rates Are Calculated
To determine the cost of your auto insurance policy, a formula based on a number of identified risks is used to come up with a price. These risks include where you live, your age, vehicle type, how much you drive, and any past insurance claims. In short, this formula is used to calculate your auto insurance rate: Base Rate X Rating Factors X Surcharge & Discounts
What To Do After a Vehicle Accident
A guide to keep in your vehicle in case you are ever involved in a collision. Includes steps to take and the information you should gather.
How Driving Convictions Affect Your Rates
Convictions are indicative of unsafe driving behavior and increase the likelihood of being involved in an accident. The impact on your insurance changes depending on the number of convictions. Too many convictions may result in the suspension of your driver’s license.
Ways to Reduce Your Rates
A list of ways you can reduce your auto insurance rates.
Who to Contact
Who to contact for general or claim questions about your auto insurance? and questions about auto insurance regulation?
Commonly Forgotten Driving Rules
Commonly forgotten driving rules such as following distance, how to handle emergency vehicles, traffic circles and more.
Distracted Driving
Distracted driving is defined as the diversion of attention from driving as a result of the driver focusing on a non-driving object, activity, event
or person. When you drive distracted, you're putting yourself and others at significant risk of collision, injury, or death. Every incident of distracted driving is entirely preventable.
Impaired Driving
Crashes involving alcohol and/or drugs are one of the leading criminal causes of death in Canada. Approximately 8,600 people are convicted of impaired driving in Alberta each year. Penalties for this offence range from a mandatory minimum fine to life imprisonment, depending on the severity of the offence.
The Cost of Speeding
Posted limits indicate the maximum legal speed permitted in ideal conditions. Driving faster than the maximum speed limit puts yourself and others at risk.
Tired Driving
Falling asleep at the wheel is a serious concern on our roads. Drivers who sleep for less than 5 hours per night have a crash risk comparable to someone driving impaired.
Pedestrian Safety
Safety tips for both pedestrians and motorists on how to share the road and be safe.
Motorcycle Safety
Safety tips for both motorcyclists and motorists on how to share the road and be safe.
Construction Zone Safety
While road Driving Through Construction construction improves motorist safety in the long run, it increases the risks drivers face in the short term. Be prepared for road construction season in Alberta!