Overview
Introduction
MAIC’s annual CTP scheme insights report provides a summary of highlights from the financial year, descriptions of initiatives on the horizon and statistical data measuring the affordability, efficiency, fairness and responsiveness of the Queensland CTP scheme. Read on to learn more.
Highlights from 2024-25
During the 2024–25 financial year, we:
- celebrated the 30th anniversary of the Motor Accident Insurance Commission, where we were able to reflect on our past and present. To inspire others as we look to the future, we also launched the MAIC Innovation Research Action Awards (MIRAA). This is a special one-off opportunity in which we invited our key research and grants stakeholders to submit concepts for consideration aimed at further reducing the incidence of road trauma and mitigating its effects.
- extended our funding to vital road safety and rehabilitation initiatives, including:
- supporting the Trauma Follow Up project through a two-year funding agreement with the Gold Coast University Hospital. This project will provide in-depth analysis of the long-term quality of life and functional outcomes for patients who have received treatment for severe traumatic injuries and will inform the development of targeted early interventions, the refinement of treatment pathways and modalities for future patients, with the goal of optimising their recovery.
- establishment of the MAIC/Griffith Road Safety Research Collaboration which will focus on motorcycle and fleet safety including heavy vehicles, taxis and rideshare and vehicles as workplace. This new Collaboration will also work closely with our existing Collaborations in place at QUT and University of Sunshine Coast, and provides a further training ground for the next generation of road safety researchers in Queensland.
- finalising funding extensions to PCYC’s Braking the Cycle program (providing mentorship to disadvantaged learner drivers), and the Transport Academic Partnership with Department of Transport and Main Roads (fostering collaboration between academia and transport authorities). MAIC also continued our long-standing relationship with RECOVER Injury Research Centre – University of Queensland which focuses on optimising recovery of people following injury.
- celebrated the completion of key research and education projects:
- Logan City Council collaboration to pilot the deployment of Advanced Mobility Analytics Group’s (AMAG) Safe Mobility Alert Real Time (SMART) project. This pilot validated the effectiveness of this tool in providing enhanced road safety insights which the Council can use to identify appropriate strategies to reduce crash risk.
- Queensland Trucking Association (QTA) pilot program First on Scene, which incorporated first aid and crash scene management training tailored to heavy vehicle drivers.
- conducted key initiatives aimed at improving the claimant journey, including:
- implemented a digital release process for releasing claim details to authorised plaintiff lawyers, which will improve security, comply with Queensland Government information privacy requirements and reduce administrative overheads. The claimant history tool went live in the Queensland CTP portal in January.
- commenced an ongoing direct claimant audit of CTP insurer practices to promote fairness and transparency within the CTP insurance scheme.
On the horizon
In the year ahead, we will:
- progress initiatives that modernise how insurers fulfill their CTP regulatory reporting requirements through the delivery of a new insurer reporting platform, providing a more efficient, functional, transparent and secure experience for insurers.
- co-design, test and deliver initiatives that reduce the time and effort involved in lodging CTP insurance claims, while improving claimant experience.
- continue to engage with industry on options identified during the 2023 CTP Insurance Scheme Review to ensure Queensland’s CTP insurance scheme remains affordable and sustainable into the future.
- continue to respond to emerging risks and market volatility in the Queensland CTP scheme.
- monitor outcomes of the MIRAA projects.
- continue our long term collaboration with Griffith University around spinal cord injury. This will culminate in the commencement of a clinical trial.
- continue young driver engagement initiatives including university and high school CTP scheme awareness initiatives and ongoing intern programs.
- continue to monitor and investigate allegations of claim farming and prosecute where appropriate, with proceedings currently before the courts. This is crucial to continue to protect the public from harassing and unwanted behaviours and to preserve the integrity of Queensland’s CTP scheme.
Stay in the loop
Explore our graphs below to learn more about our scheme’s performance.
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Affordability
Delivering the second-lowest CTP insurance premiums in Australia
Affordability level
The affordability level (19.4%) compares the annual CTP premium with the Queensland weekly average wage.
2024-25 data shows that CTP insurance premiums remained consistent, providing stable and affordable insurance to Queensland motorists.
CTP premium breakdown
The overall CTP insurance premium comprises levies and a fee that fund government services for people who are injured in motor vehicle crashes. It also includes an insurer’s premium that is used to meet the expected costs of claims, as well as insurer expenses and profits for administering claims.
Insurer market share
The market for CTP insurance in Queensland has three licensed operators: Suncorp, Allianz and QBE. In July 2023, RACQ signalled their intention to leave Queensland’s CTP scheme (effective October 1, 2023). RACQ’s CTP policies were reassigned to the remaining three insurers, with each picking up an equal one-third share.
New registrations through motor dealers
Motorists select their CTP insurer when they purchase a new vehicle through a motor dealer.
Efficiency
Balancing claimant benefits with scheme delivery costs
The efficiency of a CTP insurance scheme can be judged by how well insurer delivery costs are controlled while maximising the amount paid to benefit the person who was injured. We consider a minimum benchmark for our privately-underwritten scheme is for 60% of CTP insurance premiums to be delivered as claimant benefits.
Claimants continue to receive almost three-quarters of the premiums collected from vehicle registrations. This years result is in line with last years, maintaining the previous high of 73%.
We continue to see the increase in claimant benefit and decrease in delivery cost post the 2016 scheme review, mainly due to measures implemented to address persistently high insurer profits.
Ensuring timely resolution of claims
Our legislation requires insurers to deal with claims as quickly as possible, with insurers determining liability within 6 months of receiving a compliant claim. We continue to see a high level of timely resolution consistently achieving over 99%. This data indicates that insurers and lawyers continue to work constructively together to resolve claims quickly.
of claims met this requirement in the last 12 months.*
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 are analysing the data and consulting with insurers to understand the reasons behind it. The duration of a claim can be influenced by injury severity, circumstances around liability, evidence gathering, and claims management approach.
MAIC has continued to work closely with all insurers to help identify areas of claims management improvements. Allianz, QBE and Suncorp have all seen a decrease in their finalisation timeframes, with Allianz being the quickest across industry.
Direct claimants – Average claim duration (months)
People who lodge claims directly with an insurer tend to experience shorter claim durations than people who lodge claims through legal representatives. This may be because people often seek legal assistance when their claim is more complex. Please note, due to RACQI’s exit from the CTP scheme, they have very few direct claims and have been removed from this data.
Claims settled before, during or after compulsory conference (CC) by insurer
Some claims involve a compulsory conference, or meeting, being held between parties to resolve the claim. When negotiations at a compulsory conference are unsuccessful, claims may progress to court proceedings. Many claims are settled without the parties needing to hold a compulsory conference, some are settled at or within 14 days of compulsory conference, and very few claims proceed to court.
The percentage proportion of claims settling before compulsory conferences fluctuated over the last couple of financial years. It increased between 2022-23 and 2023-24, showing a rise of 3.5%. However, it dropped again in 2024-25, reflecting a decline of 3% from the previous year. This fluctuation highlights shifting trends in pre-conference settlements.
Fairness
Facilitating fair and timely access to compensation and rehabilitation
Total payments by heads of damage for finalised claims
In Queensland, CTP insurance enables people who are injured in vehicle crashes through no fault of their own to claim fair and timely compensation and access rehabilitation. The compensation paid to the person who was injured depends on the extent of their injuries resulting from the vehicle crash and how these injuries affect their work and social functioning.
The total number of claims finalised over the past 12 months increased by around 10%, leading to a corresponding rise in total payments.
Number of new claims per quarter
The number of direct claims lodged exceeds 2,600, representing an increase of approximately 20% compared to the previous year. This is most likely in response to direct claimant initiatives by insurers, to improve the experience of claimants lodging their claim directly.
Proportion of claims added per quarter
In 2024–25, the proportion of claimants who lodge their claim directly with insurers is now closer to one third. This applied to the claim lodgement stage, however some people may later choose to be legally represented during the course of their claim.
Number of claims added per quarter by severity
In the 2024-25 period, there was a 8% increase in claims compared to the previous year. This can be attributed partly to the growing number of registered vehicles.
Over time, the number of claimants suffering moderate and more severe injuries has remained flat.
Nominal Defendant claims received by financial year
The Nominal Defendant ensures that people involved in crashes with unidentified or uninsured vehicles still receive fair and timely access to compensation and rehabilitation.
In 2024–25, the Nominal Defendant added 210 managed claims involving unidentified vehicles and 101 claims involving uninsured vehicles – which is around 10% higher than the previous 12 months.
Claimants by role in accidents involving an unidentified vehicle
The Nominal Defendant manages claims for various types of people, ranging from cyclists to drivers to pedestrians. As per previous years, most claims were lodged by a driver.
For claims involving an unidentified vehicle, 45.6% of claimants were drivers and 15.6% were motorcyclists.
Responsiveness
Responding to many varied types of road users, crashes and traffic patterns
Queensland’s CTP insurance scheme supports a wide range of people with different ages, genders, roles in crashes and types of crashes.
Age groups of claimants by gender
In 2024–25 most claims were lodged by people aged between 26 and 35. The second-largest cohort of people lodging claims was people aged from 36 to 45.
Queensland crash claims by region
As per previous years, our data continues to show that more CTP insurance claims were lodged by people in metropolitan areas than regional areas, but regional crashes generally led to more severe injuries than metropolitan areas.
Number of crashes per time and day of week
The data continues to demonstrate that the majority of crashes occur between 3pm and 6pm on weekdays. The likely cause is higher traffic volumes at peak periods for road travel.
Percentage of serious crashes per time and day of week
Although fewer accidents occurred during the evening, the crashes that did occur were more likely to be more serious, particularly on weekends with the peak period being Sunday between 3am and 6am.
Claim severity, role and crash details
Our data shows that majority of claims are of a minor severity, with 61.3% of claims by drivers, and 49.6% of the accidents occurring when vehicles are travelling in the same direction.
We continue to support initiatives led by the Department of Transport and Main Roads and Queensland Police Service to reduce distracted driving that can cause these types of collisions.
Injuries by body regions
From the period of 1 July 2021 to 30 June 2025, our data showed the largest proportion of claimants experienced spinal injuries (76.6%). The majority of these injuries were reported as whiplash, while 1.1% experienced severe spinal injuries.
While head injuries make up a smaller percentage (14.4%) of reported accidents, the severity level relative to the injury is high (6.9%). The thorax continues to remain the most likely part of the body to be seriously injured at 12.4%.
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Number of registered vehicles by vehicle class
Vehicle classes continued to see a steady growth in the overall vehicle fleet from July 2024 to June 2025, with an increase of almost 150,000.
Average road traffic flow, in comparison to corresponding months in 2019
Data sourced from the Department of Transport and Main Roads showed that traffic volumes over the last 12 months have consistently been below 2019-levels across South-East Queensland.
For several years, MAIC has been using traffic data to assist with our modelling and predictions. As the traffic volumes and claim frequency have begun to stabalise, we have removed adjustments based on this data. However, we will continue to monitor it closely.
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