Reports and Resources
Filters
Information on acts that govern the operation of auto insurance in Alberta.
Performance benchmarks developed through annual and semi-annual reviews.
Requirements and expectations for preparing full and file-and-use filings.
Formal publications including annual reports and special topic reports.
Reviews and reports assessing whether insurers have exceeded benchmark profit levels, based on submitted financial data and AIRB analysis.
Bi-annual consultations on industry benchmarks, including draft publications, stakeholder input, and final reports.
General communications that do not require action.
Provincial regulations that support and define the application of auto insurance legislation in Alberta.
Communications on issues that require action, change in practice, or future regulatory compliance.
Board-approved policies that guide AIRB’s governance, operations, and regulatory approach.
Formal directives requiring rate filings or communicating written regulatory decisions, including grid premium determinations.
Detailed guidance on technical requirements for full and file-and-use filings.
Rolling three-year plans outlining AIRB’s priorities, goals, and strategic direction.
Bi-annual data and insights on market performance for passenger and commercial vehicles.
Visual documents that explain key industry issues.
Resource List
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.
09-2024 Notice: Update on Grid Reform
Provide an update on Grid reform to all insurers writing private passenger vehicles
05-2024 Bulletin: Update to Technical Guidance
Advise all automobile insurers operating in Alberta of amendments to the technical guidance.
08-2024 Notice: 2024 Annual Review of Industry Experience - COM
This review analyzes industry loss experience, for commercial vehicles to establish Industry Benchmarks used in the review of insurers’ rate filings.
07-2024 Notice: 2024 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.
2024 Excess Profit Review Results
The results of the measurement of excess profit in accordance with section 9.1, Returning Excess Premiums, of the Automobile Insurance Premiums Regulation.
2024 Mid-Year Market & Trends Report
Mid-year 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.
Board Governance
Establishes procedures for board meetings, transparency, governance oversight and the appointment, remuneration and expense reimbursement of Board members.
06-2024 Notice: Consumer Representative Appointment
Announce the appointment of the Consumer Representative.
2024 Communicating the Good Driver Rate Cap
The AIRB reviewed insurer communications with policyholders to evaluate if they were in fact adequate. The report identified gaps in information, highlighted best practices and made other recommendations to improve communication to Alberta policyholders.
Collection & Reporting System (CARS) User’s Guide
This User’s Guide provides the general instructions for using the Alberta Automobile Insurance Rate Board’s (AIRB) web-based Collection and Reporting System (CARS) to submit a new filing or pay an annual cost recovery invoice.
Annual Review 2024
The AIRB has started its 2024 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. The AIRB is consulting with interested stakeholders as part of its Annual Review. The Open Meeting was held through a webinar on August 15, 2024.
- Annual Review Report PPV 2024.pdf
- Appendix A Oliver Wyman Annual Review Final Report PPV 2024.pdf
- Appendix B Industry Benchmark Schedule PPV 2024.pdf
- Appendix C Consumer Perspectives Report 2024.pdf
- YouTube Video (opens in new tab)
- Oliver Wyman Annual Review Final Report COM 2024.pdf
- Industry Benchmark Schedule COM 2024.pdf
05-2024 Notice: Alberta.ca Change for CARS Log In
Announce a change to accessing the Collection and Reporting System (CARS).