Overview
Welcome to the October–December 2025 edition of Scheme insights, where we delve into the latest developments shaping Queensland’s Compulsory Third Party (CTP) insurance scheme.
In this issue, we highlight MAIC’s ongoing efforts to enhance road safety, support unrepresented claimants and foster impactful collaborations.
From the Queensland Road Safety Research Collaboration event to our partnership with the Queensland Police Service on drink-driving awareness, we’re proud to share the strides made towards reducing road trauma.
Additionally, we unveil the new Claims Management Standard and provide access to archival MAIC content, ensuring transparency and accessibility for all stakeholders.
Learn more:
MAIC partnered with Queensland Police to encourage safer driving decisions
(View the campaign on Facebook)
Explore our graphs below to learn more about our scheme’s performance.
Tip: When viewing this report on a smaller screen, click the labels on our graphs to view them at a larger size.
Premium
CTP premium breakdown
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 received between October and December 2025 reflected typical seasonal patterns.
Proportion of claims added per quarter
The proportion of claimants choosing to lodge their claims directly to the insurer has remained unchanged over the last several quarters.
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 1,835 claims for minor injury and 382 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 15%; Allianz approximately 31%; and Suncorp’s approximately 54%.
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 22% of the market share for new registrations, a figure that is higher than its overall market share of approximately 15%, 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 2.6% over the last 12 months, which is in line with the previous year. According to the Queensland Government Statistician’s Office the population growth is 1.8%, which is lower than vehicle growth.