Overview
Welcome to the July – September 2025 edition of the scheme insights for Queensland’s compulsory third-party (CTP) insurance scheme. This quarter has seen continued progress in delivering a stable, fair and affordable scheme, with a particular focus on claimant experience, scheme communications and emerging strategic priorities.
Between July and September 2025, we:
- published claimant-experience findings from our 2025 MAIC claimant survey, which reported that 58% of surveyed claimants felt the claims process helped their recovery (up from 55% in 2024)
- highlighted the return of price competition between Queensland’s CTP insurers (the first time since 2017), offering choice and savings for eligible motorists
- collaborated with the Queensland University of Technology (QUT) on a range of initiatives encouraging students to leverage technology and apply business and design best practices to enhance awareness of CTP insurance and streamline claim processes. This partnership included projects through the BSB105 The Future Enterprise unit, the Design Impact Lab, and the Nudgeathon.
- extended our support by announcing a further three years of funding for the Police‑Citizens Youth Welfare Association Queensland’s (PCYC) Braking the Cycle and Changing Gears learner driver mentor programs
- intensified our focus on road-safety research with a showcase during Queensland Road Safety Week, as well as the evaluation of the Gold Coast University Hospital Trauma Service Follow-Up program, which assesses major trauma survivors six-to-12 months post-discharge
- released our 2024-25 annual report, outlining key achievements, challenges, and initiatives undertaken throughout the financial year
- launched the refreshed quarterly newsletter and annual scheme insights.
In the next quarter, we will:
- commence work on a new strategic plan, taking us through 2029
- hold the first Road Safety Research Collaboration meeting, welcoming collaborators from QUT, Griffith University and the University of the Sunshine Coast to discuss our successful first year and future initiatives
- partner with the Queensland Police Service on a social media campaign targeting drink driving over the Christmas festive season
- continue progressing pilots on our CTP Portal and MAIC Exchange platforms, working with insurers and lawyers to ensure feedback is addressed.
To stay informed:
Explore our graphs below to learn more about our scheme’s performance.
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Premium
CTP premium breakdown
CTP premiums experienced a modest increase of $10, or 2.7% over the last 12 months, which is inline with inflation. Even with this slight increase, CTP insurance premiums continue to be the most affordable in mainland Australia.
For the first time since 2017, insurers are offering CTP policies at different price points, increasing motorists’ choice through price competition.
New claims
Number of new claims per quarter
The number of new claims lodged between July and September 2025 increased slightly in relation to the previous quarter, which looks to be in line with seasonal trends. The number of direct claims has been steadily increasing as some insurers focus on increasing the numbers of claims that they receive on a direct basis.
Proportion of claims added per quarter
The percentage of claimants lodging their claims directly with insurers continues to steadily increase in relation to the same quarter last year, as insurers continue to promote their direct claimant initiatives.
Number of claims added per quarter by severity
The number of CTP insurance claims that have a severity of moderate or higher, decreased from the previous quarter. There were 1,976 claims for minor injury and 389 claims for moderate or above injuries for the last quarter.
CTP insurers
Insurer market share
Since the exit of RACQ from the CTP industry the remaining insurers proportions are as follows: QBE’s market share is approximately 14%; Allianz approximately 31%; and Suncorp’s approximately 55%.
New registrations through motor dealers
Proportions of new registrations through motor dealers are shifting inline with market share for the three CTP insurers. QBE holds approximately 20% of the market share for new registrations, a figure that is higher than its overall market share of approximately 14%, as noted earlier.
Legally-represented claimants – average claim duration (months)
We continue to monitor insurers’ legislative compliance and claims management practices, including claim durations and stages of settlement. Where variations exist between insurers, we collaborate with insurers to understand and address the reasons behind it. The duration of a claim can be influenced by injury severity, circumstances around liability, evidence gathering and claims management approach.
Direct claimants – average claim duration (months)
Direct claimants will often experience a shorter claim duration when compared with those who lodge their claims through legal representatives. This additional length of time can often be attributed to people seeking legal assistance when the nature of their claim is more complex.
Traffic volume
Average growth rates in traffic flow compared to corresponding months in 2019
South-East Queensland traffic has returned to normal levels over the last quarter.
Vehicle registration
Number of registered vehicles by vehicle class
The number of registered vehicles continues to grow steadily, increasing by 2.9% over the last 12 months, which is close to the 3.0% increase seen in the preceding 12 months.
Learn more
Want to learn more? Contact our Analytics team.
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