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
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).
04-2024 Bulletin: Update to Filing Guidelines
Advise all automobile insurers operating in Alberta of amendments to the filing guidelines.
2024-2027 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.
Automobile Insurance Rating Program Approvals
Every insurance company licensed to write auto insurance in Alberta must file its rating program with the AIRB and obtain the prior approval of the AIRB to either establish a new rating program to enter the market or revise an existing rating program.
Board Orders, Bulletins, Notices, and Guidelines
The AIRB may issue or enforce orders, bulletins, notices, and guidelines under the authority of the Auto Insurance Premiums Regulation.
2023 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 2024
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 All03-2024 Bulletin: 2024 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.
04-2024 Notice: AIRB Budget Announcement
Inform insurers of an increase to the AIRB’s budget for the 2024-2025 fiscal year and resulting change to the fee charged to insurers.