Latest News
Added December 1, 2021: Bulletin: 12-2021 Principles for Rating Variables
Added October 20, 2021: Direct Compensation for Property Damage (DCPD) - effective January 2022
Added October 20, 2021: New pages added - Automobile Insurance Regulation in Alberta
Added September 29, 2021: 2021 Market and Trends Report
Added September 24, 2021: Grid Guidance document updated - effective October 1, 2021
Added September 24, 2021: Filing Guidelines updates - effective October 1, 2021
Added September 24, 2021: 2021 Annual Review of Private Passenger and Commercial Vehicles - Bulletins and Reports - effective October 1, 2021
See the archive page for earlier updates.
AIRB News Items
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- Subscribe to receive email alerts when new information has been posted to the AIRB website.
Web updates
AIRB Bulletin 12-2021: Principles for Rating Variables (posted December 1, 2021)
- See the Industry Information page for the updates.
Direct Compensation for Property Damage (DCPD) content (posted October 20, 2021)
Direct Compensation for Property Damage (DCPD) was introduced as part of the Automobile Insurance Reforms announced in October 2020. DCPD will replace the property damage portion of the third party liability coverage on your automobile insurance policy effective January 1, 2022. The main intent of this change is to provide consumers with an efficient way to process vehicle damage claims. For more information see:
New pages added: Automobile Insurance Regulation in Alberta (posted October 20, 2021)
- Automobile Insurance Regulation in Alberta - for Drivers
- Automobile Insurance Regulation in Alberta - for Industry
AIRB 2021 Market and Trends Report (posted september 29, 2021)
AIRB Grid Guidance document updated (posted September 24, 2021)
- See the Grid Guidance page.
AIRB Bulletin 11-2021: File and Use Filing Guidelies (posted September 24, 2021)
- See the Filing Guidelines page for the updates.
AIRB 2021 Annual Review on Automobile Insurance Loss Experience
(Private Passenger Vehicles and Commercial Vehicles)
- Reports, Bulletins 08, 09 and 10-2021 (posted September 24, 2021)
- See the 2021 Annual Review page for all documentation and background information.
AIRB 2021 Annual Review of Private Passenger Automobile Insurance Loss Experience - Video Transcript (posted August 31, 2021)
- The Video transcript of the Open Meeting held on August 19, 2021 has been posted on the 2021 Annual Review page.
New page added to Drivers section (posted July 15, 2021)
Grid Rating Program Premium and Differential Changes (posted July 7, 2021)
The AIRB has released its Grid Rating Program Premium and Differential Changes early this year to accommodate increased implementation time due to the impact of the DCPD implementation.
- Bulletin 07-2021 - Grid Rating Program Premium & Differential Changes (effective January 1, 2022)
See also: Alberta Grid Study July 1, 2021 - Order 01-2021 - Adjustment to Grid Base Rates for Basic Coverage (effective January 1, 2022)
AIRB 2021 Annual Review of Commercial Automobile Insurance Loss Experience - Notice 03-2021 and Documents (posted June 25, 2021)
- Notice 03-2021 - Annual Review of Commercial Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report has been posted on the 2021 Annual Review page.
AIRB 2021 Annual Review of Private Passenger Automobile Insurance Loss Experience - Notice 02-2021 and Documents (posted June 25, 2021)
- Notice 02-2021 - Annual Review of Private Passenger Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report and Consumer Representative report have been posted on the 2021 Annual Review page.
AIRB 2021-24 Business Plan (posted May 4, 2021)
AIRB Bulletin 06-2021 - Filing Guidelines and Related Updates
- effective May 1, 2021 (posted May 4, 2021)
The following documents have been added or updated on the Filing Guidelines page:
- Bulletin 06-2021 - Updated Filing Guidelines effective May 1, 2021
- Full and Simplified Filing Guidelines
- Appendix A (Excel)
- Technical Guidance
Grid Step Calculation Tool (updated April 1, 2021)
- Tool for Agents/Brokers - Grid Step Calculation infographic - on Grid Guidance page.
AIRB Bulletin 05-2021 - Usage Based Insurance Program Guidance
- effective April 1, 2021
(posted March 30, 2021)
AIRB Bulletin 04-2021 - Industry PPV Benchmarks Schedule
- effective April 1, 2021
(posted March 30, 2021)
- Bulletin 04-2020: Industry Private Passenger Vehicle (PPV) Benchmarks Schedule
- Industry Benchmarks Schedule page updated
- For background, see the 2021 Semi-Annual Review page
AIRB Bulletin 03-2021 - Filing Guidelines updates
- effective April 1, 2021 (posted March 30, 2021)
The following documents are on the Filing Guidelines page:
- Bulletin 03-2021 - DCPD (Direct Compensaion for Property Damage) Filing Guidelines
- DCPD Filing Guidelines and Appendix A (Excel)
- Technical Guidance document updated
AIRB 2020 Annual Report (posted March 11, 2021)
- The 2020 AIRB Annual Report has been posted.
New page for Drivers added: Usage Based Insurance (posted March 3, 2021)
- Usage Based Insurance has been added to the Drivers section.
Expansion of Rating Territories (posted March 1, 2021)
Filing Guidelines updates effective March 1 (posted March 1, 2021)
The following documents are on the Filing Guidelines page:
- Bulletin 01-2021 - File and Use Filing Guidelines effective March 1, 2021
- File and Use Filing Guidelines
- Technical Guidance document updated
Fraud Prevention (posted March 1, 2021)
- Fraud Prevention infographic - added to Factors that Affect Premiums page.
Approved Automobile Insurance Rate Board Filings (posted January 29, 2021)
The AIRB has launched a new web page to report on approved filing decisions as they are implemented, replacing the quarterly filing decisions publications. This enhancement will enable policyholders to see their insurer's rate changes over the previous three years. Data will be updated daily, as insurers implement changes to their rating programs.
- See Approved Automobile Insurance Rate Board Filings. This information is also available through the Rate Changes tab at the top of every page.
Notice 01-2021 and documentation for AIRB 2021 Semi-annual Review of Industry Experience as of June 2020 for Private Passenger Vehicles (posted January 29, 2020)
- Notice 01-2021: Semi-annual Review of Industry Experience as of June 2020 for Private Passenger Vehicles
- See the 2021 Semi-annual Review page for all documentation and background information.
Grid Step Calculation Tool (posted January 27, 2021)
- Tool for Agents/Brokers - Grid Step Calculation infographic - added to Grid Guidance page.
How Driving Convictions affect your Premium (posted January 6, 2021)
- How Driving Convictions affect your Premium infographic - added to Factors that Affect Premiums page.
AIRB Policies updated (posted December 21, 2020)
- AIRB Policies - effective January 1, 2021
Technical Guidance: Change in Rates and Rating Programs (updated December 21, 2020)
- The Technical Guidance document, posted on the Filing Guidelines page, has been updated. See related Bulletin 07-2020.
Grid Guidance (updated December 21, 2020)
AIRB Bulletin - Approval of 2021 CLEAR Rate Group Tables (posted December 7, 2020)
AIRB Bulletin - Guidance on Reform Factors for Future Rate Filings (posted November 24, 2020)
AIRB 2020 Market and Trends Report (posted November 9, 2020)
How Car Insurance Premiums are Calculated (posted November 6, 2020)
- How Car Insurance Premiums are Calculated infographic - added to Factors that Affect Premiums page. A print version is also available.
2020 Annual Review on Automobile Insurance Loss Experience
(Private Passenger Vehicles and Commercial Vehicles)
- Reports, Bulletins 04, 05 and 06-2020, and Order 01-2020 (posted September 25, 2020)
- See the 2020 Annual Review page for all documentation and background information.
AIRB Notice 05-2020 - Appointment (posted September 1, 2020)
AIRB 2020 Annual Review of Private Passenger Automobile Insurance Loss Experience - Transcript, Presentations and Submissions (updated August 24, 2020)
- The presentation documents, and the video transcript, have been posted on the 2020 Annual Review page.
AIRB Board Meeting Schedule (updated July 7, 2020)
AIRB Filing Guidelines (Private Passenger and Other than Private Passenger) updated - effective July 1, 2020 (posted June 29, 2020)
- See AIRB Bulletin 02-2020: Filing Guidelines effective July 1, 2020.
- See the Filing Guidelines page for the updates.
AIRB 2020 Annual Review of Commercial Automobile Insurance Loss Experience - Notice 04-2020 and Documents (posted June 26, 2020)
- Notice 04-2020 - Annual Review of Commercial Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report has been posted on the 2020 Annual Review page.
AIRB Compensation Disclosure (posted June 26, 2020)
AIRB 2020 Annual Review of Private Passenger Automobile Insurance Loss Experience - Notice 03-2020 and Documents (posted June 26, 2020)
- Notice 03-2020 - Annual Review of Private Passenger Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report and Consumer Representative report have been posted on the 2020 Annual Review page.
AIRB Notice 02-2020 - Public Board Member Appointments (posted June 4, 2020)
AIRB Bulletin 01-2020 - Industry PPV Benchmarks Schedule,
effective April 1, 2020
(posted March 27, 2020)
- Bulletin 01-2020: Industry Private Passenger Vehicle (PPV) Benchmarks Schedule, effective April 1, 2020
- Industry Benchmarks Schedule page updated
- For background, see the 2020 Semi-Annual Review page.
AIRB 2019 Annual Report (posted March 13, 2020)
- The 2019 AIRB Annual Report has been posted.
Notice 01-2020 and documentation for AIRB 2020 Semi-annual Review of Industry Experience as of June 2019 for Private Passenger Vehicles (posted January 31, 2020)
- Notice 01-2020: Semi-annual Review of Industry Experience as of June 2019 for Private Passenger Vehicles
- See the 2020 Semi-annual Review page for all documentation and background information.
10 Ways to Lower your Automobile Insurance (posted January 31, 2020)
- 10 Ways to Lower your Automobile Insurance Premiums infographic - added to Factors that Affect Premiums page
What to do after an Automobile Collision (posted December 6, 2019)
- Step-by-Step Guide (PDF) to print and leave in your glove box, to have handy in case you are in a vehicle collision - added to the Driver's Frequently Asked Questions page
Bulletin 11-2019: Approval of 2020 CLEAR Rate Group Tables
(posted November 27, 2019)
Top 10 Reasons why Premiums Increase (posted October 4, 2019)
- Top 10 Reasons why Premiums Increase infographic - added to Factors that Affect Premiums page
2019 Annual Review on Automobile Insurance Loss Experience
(Private Passenger Vehicles and Commercial Vehicles)
- Reports, Bulletins 06, 07, 08 and 09-2019 and Order 01-2019 (posted September 27, 2019)
- See the 2019 Annual Review page for all documentation and background information.
AIRB 2019 Annual Review of Private Passenger Automobile Insurance Loss Experience - Presentation Documents (posted August 15, 2019)
- The presentation documents have been posted on the 2019 Annual Review page.
AIRB Filing Guidelines (Private Passenger and Other than Private Passenger) updated - effective July 1, 2019 (posted June 28, 2019)
- See AIRB Bulletin 05-2019: Filing Guidelines effective July 1, 2019.
- See the Filing Guidelines page for the updates.
AIRB 2019 Annual Review of Commercial Automobile Insurance Loss Experience - Notice 03-2019 and Documents (posted June 27, 2019)
- Notice 03-2019 - Annual Review of Commercial Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report has been posted on the 2019 Annual Review page.
AIRB 2019 Annual Review of Private Passenger Automobile Insurance Loss Experience - Notice 02-2019 and Documents (posted June 27, 2019)
- Notice 02-2019 - Annual Review of Private Passenger Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report and Consumer Representative report have been posted on the 2019 Annual Review page.
AIRB Compensation Disclosure (posted June 26, 2019)
AIRB 2018 Annual Report (posted June 11, 2019)
- The 2018 AIRB Annual Report has been posted.
AIRB Chair's message and vision updated (posted June 3, 2019)
AIRB Bulletin 03-2019 - Industry PPV Benchmarks Schedule,
effective April 1, 2019
(posted May 1, 2019)
- Bulletin 03-2019: Industry Private Passenger Vehicle (PPV) Benchmarks Schedule, effective April 1, 2019
- Industry Benchmarks Schedule page updated
- For background, see the 2019 Semi-Annual Review page.
Bulletin 02-2019: Private Passenger Vehicles - Criteria for Ministerial Order No. 5/2019 (posted February 8, 2019)
Notice 01-2019 and documentation for AIRB 2019 Semi-annual Review of Industry Experience as of June 2018 for Private Passenger Vehicles (posted January 29, 2019)
- Notice 01-2019: Semi-annual Review of Industry Experience as of June 2018 for Private Passenger Vehicles
- See the 2019 Semi-annual Review page for all documentation and background information.
Bulletin 01-2019: Approval of 2019 CLEAR Rate Group Tables
(posted January 8, 2019)
Consumer survey (posted January 3, 2019)
- Yardstick Research, on behalf of the Automobile Insurance Rate Board, is conducting a survey regarding consumer perceptions of automobile insurance rates and other related topics. The survey is now closed.
Bulletin 12-2018: Filing Guideline Exception for Ministerial Order
No. 14/2018 (posted November 1, 2018)
- Bulletin 12-2018: Filing Guideline Exception for Ministerial Order No. 14/2018
- Related Frequently Asked Questions
2018 Annual Review on Automobile Insurance Loss Experience
(Private Passenger Vehicles) - Adjustment to Grid Base Rate for Basic Coverage effective January 1, 2019 (posted October 31, 2018)
- Adjustment to Grid Base Rates for Basic Coverage - effective January 1, 2019
Bulletin 10-2018 and Order 01-2018 added. - The Annual Review Report has been updated to include Grid information.
- See the 2018 Annual Review page for all documentation and background information.
2018 Annual Review on Automobile Insurance Loss Experience
(Private Passenger Vehicles and Commercial Vehicles)
- Reports and Bulletins 07, 08 and 09-2018 (posted September 24, 2018)
- See the 2018 Annual Review page for all documentation and background information.
AIRB 2018 Annual Review of Private Passenger Automobile Insurance Loss Experience - Audio transcript added (August 22, 2018)
- The audio transcript of the open meeting held on August 14, 2018 has been added to the 2018 Annual Review page.
AIRB 2018 Annual Review of Private Passenger Automobile Insurance Loss Experience - Documentation added (August 14, 2018)
- Presentations and Written Submissions have been added to the 2018 Annual Review page.
AIRB Notice 06-2018, Appointment of Board Members
(posted August 7, 2018)
AIRB Filing Guidelines (Private Passenger and Other than Private Passenger) updated - effective July 1, 2018 (posted June 29, 2018)
- See AIRB Bulletin 06-2018: Filing Guidelines effective July 1, 2018.
- See the Filing Guidelines page for all of the updates, including the List of changes effective July 1, 2018.
AIRB Bulletin 05-2018: Use of Convictions to Determine Premium
- effective June 29, 2018 (posted June 29, 2018)
AIRB Bulletin 04-2018: Minor Traffic Safety Convictions
- effective June 29, 2018
(posted June 29, 2018)
AIRB Compensation Disclosure (posted June 29, 2018)
AIRB 2018 Annual Review of Commercial Automobile Insurance Loss Experience - Notice 05-2018 and Documents (posted June 26, 2018)
- Notice 05-2018 - Annual Review of Commercial Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report has been posted on the 2018 Annual Review page.
AIRB 2018 Annual Review of Private Passenger Automobile Insurance Loss Experience - Notice 04-2018 and Documents (posted June 26, 2018)
- Notice 04-2018 - Annual Review of Private Passenger Automobile Insurance Loss Experience
- The Oliver Wyman Actuarial Analysis Preliminary Report and draft Consumer Representative report has been posted on the 2018 Annual Review page.
AIRB 2017 Annual Report (posted April 4, 2018)
- The 2017 AIRB Annual Report has been posted.
AIRB Bulletin 03-2018 - Industry PPV Benchmarks Schedule,
effective April 1, 2018
(posted March 29, 2018)
- Bulletin 03-2018: Industry Private Passenger Vehicle (PPV) Benchmarks Schedule, effective April 1, 2018
- Industry Benchmarks Schedule page updated
- For background, see the 2018 Semi-Annual Review page.
AIRB Notice 03-2018, Appointment of Board Members (posted March 8, 2018)
AIRB Filing Guidelines (Private Passenger and Other than Private Passenger) updated - effective March 1, 2018
- Please see the Filing Guidelines page for all of the updates, which are effective March 1, 2018.
- See List of changes effective March 1, 2018.
AIRB Notice 02-2018, Appointment of new Executive Director (posted February 16, 2018)
AIRB Notice 01-2018, Semi-annual Review of Industry Experience as of June 2017 for Private Passenger Vehicles (posted February 9, 2018)
- Notice 01-2018: Semi-annual Review of Industry Experience as of June 2017 for Private Passenger Vehicles
- Oliver Wyman Preliminary Semi-annual Review Report as of June 30, 2017
- See the 2018 Semi-annual Review page for all documentation.
