Auto Exhibits

​With very few exceptions, Canadian auto insurers report statistics to GISA. Each year GISA uses these statistics to produce “auto exhibits,” documents that provincial governments and the insurance industry use to estimate future costs, claim trends and more. ​

​One System to Report Canadian Auto Statistics

With the exception of insurers in British Columbia, Manitoba, Quebec and Saskatchewan, every Canadian auto insurer is required by law to report auto insurance statistics to the General Insurance Statistical Agency (GISA).​ The auto insurance industry and governments use this data to estimate future costs, claims and more. 

In Quebec, Groupement des assureurs automobiles (GAA) is the appointed statistical agent and produces a series of exhibits for the province.

IBC works with insurers to help them prepare their data submissions, and collect and compile data, as well as provide reporting services as required by GISA under the Automobile Statistical Plan and Edit Rules Documentation (ZIP). ​

What are GISA Automobile Statistical Exhibits?

Auto insurance underlying policy forms are statutory, making coverage uniform across all insurers. The only exceptions are some minor, non-standard endorsement forms. 

GISA Automobile Statistical Exhibits generally present the last five years of accident experience for all companies and company groups. The data are presented by calendar year (January 1 to December 31) and use car model years – where relevant and available – as the measure of exposure. Exposure and premium statistics are presented on both a written and earned basis. Incurred claims experience is matched to earned exposure and premium. CD-ROM or email PDF files present information by accident half-year.​

Auto Exhibits Are Factored

With the exception of Loss Development, Distribution of Large Incurred Losses, Size of Loss Distribution and Alberta Grid Level exhibits industry-level auto exhibits are factored.

  • For the unfactored basis, the experience exhibited is derived from the aggregation of statistics reported to GISA without any adjustments. 
  • For the factored basis, various factors are applied to the data to account for such items as the expected development of claim counts, and claims amounts. 
  • The factors are also used to attribute amounts for unallocated loss adjustment expenses and amounts for government health plan levies, which exist in lieu of case-by-case subrogation in some provinces.
  • The introduction to the automobile exhibits provides details about the factors that have been applied in the various exhibits. 
For questions related to GISA’s auto exhibits, contact GISA.