Reports and Resources
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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
Annual Review 2025
The AIRB’s 2025 Annual Review process was to analyze industry loss experience for PPV to establish industry benchmarks to assess insurance companies’ PPV rate filings for basic and additional coverage. The AIRB consulted with interested stakeholders as part of its Annual Review. The Open Meeting was held through a webinar on August 14, 2025.
- Annual Review Report PPV 2025.pdf
- Appendix A Oliver Wyman Annual Review Final Report PPV 2025.pdf
- Appendix B Industry Benchmark Schedule PPV 2025.pdf
- Appendix C Consumer Perspectives Report 2025.pdf
- YouTube Video (opens in new tab)
- Oliver Wyman Annual Review Final Report COM 2025.pdf
- Industry Benchmark Schedule COM 2023.pdf
04-2025 Bulletin: Updated Rating Profiles
Advise all automobile insurers, of updates to the rating profiles applicable for all vehicle types.
03-2025 Notice: Publishing of 2025-2028 Business Plan
Announce the publication of the Business Plan.
2025-2028 Business Plan
Outlines the AIRB's priorities in the context of the Government’s business and fiscal plans, the AIRB’s Mandate and Roles document, and the operating environment known at the time of approval. The AIRB is accountable for the preparation and achievement of strategies and objectives laid out in this business plan.
2024 Annual Report
Under the Board’s direction, the AIRB prepared this report following section 601(1) of the Insurance Act, and it presents the AIRB’s activities, results, and performance.
Semi-Annual Review 2025
The AIRB has completed its 2021 Semi-annual Review process to analyze industry loss experience for PPV to establish industry benchmarks to assess insurance companies’ PPV rate filings for basic and additional coverage.
Download All03-2025 Bulletin: 2025 Semi-Annual Review Industry Benchmark Schedule - PPV
Advise all private passenger vehicle insurers the AIRB has concluded the Semi-Annual Review and approved the Industry Benchmarks Schedule.
02-2025 Notice: 2025 Semi-annual Review of Industry Experience - PPV
This review analyzes industry loss experience, for private passenger vehicles to establish Industry Benchmarks used in the review of insurers’ rate filings.
02-2025 Bulletin: Update to Filing Guidelines
Advise all automobile insurers operating in Alberta of amendments to the filing guidelines.
01-2025 Bulletin: Vehicle Protection Products
Advise insurers who write vehicle protection products of the expectations for filing a rating program to comply with Superintendent of Insurance Bulletin 05-2024 on Motor Vehicle Warranty Contracts.
01-2025 Notice: Publishing of 2025 Mid Year Market & Trends Report
Announce the publication of the Mid-year Market and Trends Report.
Return of Excess Premiums
Every private passenger vehicle insurer must complete the AIRB’s profit and loss report template. This will be applied prospectively, commencing with 2024 accident year results reported in 2025. Insurers will only be required to return excess premiums in the most recent accident year.
11-2024 Bulletin: Policy on Return of Excess Premiums
Advise all automobile insurers of a new policy, P07 – Return of Excess Premiums.
10-2024 Bulletin: Communication to Policyholders on “Good Driver” Protection
Communication expectations related to premium changes and the “good driver rate cap”.
09-2024 Bulletin: Update to Filing Guidelines
Advise all automobile insurers operating in Alberta of amendments to the filing guidelines.
2024 Annual Market & Trends Report
Annual report provides an evidence-based assessment of conditions in Alberta’s private passenger vehicle auto insurance market, with a focus on affordability, accessibility, competition, and market sustainability.
02-2024 Order: 2024 Annual Grid Review
Adjustment to the Gride Base Premium Rates for Basic Coverage
08-2024 Bulletin: Grid Rating Program Premium
Advise all private passenger vehicle insurers the AIRB has concluded its review of Grid Rating Program.
06-2024 Bulletin: 2024 Annual Review Industry Benchmark Schedule - PPV
Advise all private passenger vehicle insurers the AIRB has concluded the Annual Review and approved the Industry Benchmarks Schedule.
07-2024 Bulletin: 2024 Annual Review Industry Benchmark Schedule - COM
Advise all commercial vehicle insurers the AIRB has concluded the Annual Review and approved the Industry Benchmarks Schedule.
