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, business plans, and special topic reports.
Provincial regulations that support and define the application of auto insurance legislation in Alberta.
Reviews and reports assessing whether insurers have exceeded benchmark profit levels, based on submitted financial data and AIRB analysis.
Communications on issues that require action, change in practice, or future regulatory compliance.
Detailed guidance on technical requirements for full and file-and-use filings.
Board-approved policies that guide AIRB’s governance, operations, and regulatory approach.
Rolling three-year plans outlining AIRB’s priorities, goals, and strategic direction.
General communications that do not require action.
Formal directives requiring rate filings or communicating written regulatory decisions, including grid premium determinations.
Bi-annual consultations on industry benchmarks, including draft publications, stakeholder input, and final reports.
Bi-annual data and insights on market performance for passenger and commercial vehicles.
Schedules for our webinar or seminar events.
Visual documents that explain key industry issues.
This guide introduces key terms and concepts about auto insurance in Alberta in an understandable way.
This policy states 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.
This policy states how the AIRB must annually review the base premiums for the Grid Rate for basic coverage and post the adjusted base premium table before October 1 for implementation on January 1 of the following calendar year.
This policy states how the AIRB conducts a transparent review of auto insurance in accordance with the legislation.
This policy states 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.
The AIRB Board Members are remunerated a per diem amount in recognition of their time and effort required to carry out the mandate of the AIRB. In addition, the AIRB recognizes Board Members should not be out-of-pocket for their services. The AIRB reimburses Board Members for reasonable expenses incurred to attend meetings, training, and conferences or when acting as a representative of the AIRB.
The AIRB may issue or enforce orders, bulletins, notices, and guidelines under the authority of the Auto Insurance Premiums Regulation.
This policy establishes the procedures for board meetings, transparency, governance oversight, and the appointment and remuneration and expense reimbursement of Board members.