Filing guidelines
Follow our guidelines for establishing and revising rating programs, including explanations, instructions, and technical guidance when preparing filings.
Technical guidance
Technical Guidance – Changes in Rates & Rating Programs
Should be used by insurance companies when developing a filing that is to be submitted to the AIRB, including requirements previously issued under circulars or bulletins. The guidance applies to all classes of business unless otherwise indicated.
Care-First
File and Use Filing Guidelines for the Implementation of Care-First
This Guideline is being published to share the known requirements with Insurers. The final filing guideline will be published following the completion of the final Care-First Actuarial Costing report.
Frequently Asked Questions (Care-First Filings & Repeal of Grid)
Frequently asked questions about Care-First filings and the repeal of Grid.
2026 Care-First Actuarial Costing Report – Final
Oliver, Wyman Limited’s actuarial report on the Care-Fist reform costing.
Required Care-First Premium (PPV)
Excel Versions of all Care First Model Exhibits for private passenger vehicle included in the 2026 Care First Actuarial Costing Report.
Required Care-First Premium (MC)
Excel Versions of all Care First Model Exhibits for motorcycle included in the 2026 Care First Actuarial Costing Report.
Required Care-First Premium (CV)
Excel Versions of all Care First Model Exhibits for commercial vehicle included in the 2026 Care First Actuarial Costing Report.
Required Premium (Misc Classes)
Excel Versions of all Care First Model Exhibits for miscellaneous classes included in the 2026 Care First Actuarial Costing Report.
Filing guidelines
Filing Guidelines for Change in Rates & Rating Programs
These guidelines provide the requirements for prior approval and file and use filings, as well as methodological approach to be used by insurance companies in preparation for their filing.
Appendix D (Actuarial Support)
This section is required for all actuarial full filings. Provide adequate actuarial documentation and support for the rate levels including sufficient detail to enable the reviewer to trace the resulting rates from the raw data experience and other supporting data.
Frequently Asked Questions (Ministerial Order 33/2025)
Frequently asked questions about the 2026 Good Driver Rate Cap (Ministerial Order 33/2025)
Frequently Asked Questions (Ministerial Order 38/2023)
Frequently asked questions about the 2024 Good Driver Rate Cap (Ministerial Order 38/2023)
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.
CARS Contact Submission Form
Collection & Reporting System (CARS) AIRB contact submission form to be emailed to the airb@gov.ab.ca when completed. Please complete before starting the registration process for CARS.
Important links
Log in to submit forms and rating profiles.