Annual CTP scheme insights: 2025-26

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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 (20.3%) measures the cost of an annual CTP insurance premium as a proportion of Queensland’s average weekly wage.

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.

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Insurer market share

The market for CTP insurance in Queensland has three licensed operators: Suncorp, Allianz and QBE. Insurer market share has stabilised following RACQI’s exit from the scheme on 1 October 2023.

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New registrations through motor dealers

Motorists select their CTP insurer when they purchase a new vehicle through a motor dealer.  QBE’s share of new registrations has continued to trend upwards, consistent with its competitive premium pricing.

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 year’s result is in line with last year’s, maintaining the previous high of 73%.

Ensuring timely resolution of claims

Our legislation requires insurers to deal with claims as quickly as possible, with insurers determining liability within six 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.

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. Claims are being resolved more quickly across Allianz, QBE, and Suncorp, resulting in shorter claim durations. In contrast, RACQI’s current claim durations are primarily influenced by the age profile of its portfolio, reflecting the ongoing finalisation of legacy claims following its withdrawal from the scheme.

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 proportion of claims settling prior to compulsory conferences has been trending downward, decreasing by an average of 3% over the past three years across the scheme.

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.

Number of new claims per quarter

The number of direct claims lodged exceeds 2,600 and represents an increase of approximately 7% 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 2025–26, the proportion of claimants who lodge their claim directly with insurers is still 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 2025-26 period, there was a 4% increase in claims compared to the previous year. This can be attributed partly to the growing number of registered vehicles.

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 2025–26, the Nominal Defendant added 247 managed claims involving unidentified vehicles and 99 claims involving uninsured vehicles – which is around 7% 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, 46.4% of claimants were drivers and 14.4% 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 2025–26 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 71.6% of claims by drivers, and 50.5% 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 2023 to 30 June 2026, our data showed the largest proportion of claimants experienced spinal injuries (76.5%). The majority of these injuries were reported as whiplash, while 1.1% experienced severe spinal injuries.

While head injuries make up a smaller percentage (15.4%) of reported accidents, the severity level relative to the injury is high (6%). The thorax continues to remain the most likely part of the body to be seriously injured at 11.9%.

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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 2025 to June 2026, with an increase of approximately 115,000 vehicles, representing growth of around 2.2%. This is slightly higher than Queensland’s most recent annual population growth rate of 1.8%.

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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