Quarterly CTP Scheme Insights: Jan-Mar 2020


Queensland continues to benefit from one of the most stable, fair and affordable CTP insurance schemes in Australia.

From January to March 2020:

  • there were less new claims, most notably in the category of minor injuries
  • most claims continue to be legally represented by Queensland law firms
  • the average cost of finalised claims remained stable
  • our scheme continued to support motorists and claimants during COVID-19.

As we move into the second quarter of 2020, we expect to:

  • continue implementing car crash scam legislative reforms
  • further explore a digital claim process
  • develop protocols with industry stakeholders for effective scheme delivery during COVID-19
  • release the Claims Management Standards for insurers related to contacting legally-represented claimants and the use of surveillance.

Learn more about the scheme’s performance by exploring our interactive graphs below.


When measured as a percentage of Average Weekly Earnings, Queensland has the most affordable CTP premiums in Australia. From 1 January to 31 March 2020, the Class 1 premium ($359.20) was 22.3 per cent of Average Weekly Earnings.

Affordability index

CTP premium breakdown

Premiums remained affordable and steady over time.

Insurer market share

Market share has also remained consistent.

Number of motorists switching insurers

We saw modest but increasing signs of vehicle owners switching their CTP insurer.


The efficiency of a CTP insurance scheme can be judged by how well delivery costs are controlled while maximising the amount paid to the benefit of the injured person. A best-practice benchmark for a privately-underwritten scheme is for at least 60 per cent of CTP insurance premiums to be returned as claimant benefits. Our scheme exceeded this benchmark by 6 per cent, which was an improvement of 5 per cent since our last report.

Current claimant benefits
Current delivery costs​


Ensuring timely resolution of claims

Our legislation requires insurers to deal with claims as quickly as possible. Insurers must decide liability within 6 months from receiving a compliant claim.

of claims met this requirement in the last 12 months.*

Legally-represented claimants – Average claim duration (months)

Direct claimants – Average claim duration (months)


Our scheme enables people who are injured wholly or partly due to the actions of another driver to claim fair and timely compensation and access rehabilitation. The compensation paid to the injured party depends on the extent of their injuries that result from the motor vehicle crash and how these injuries affect their work and social functioning. Compensation can include the cost of medical treatment, rehabilitation, loss of income and care services.

Total payments by heads of damage for finalised claims

Number of new claims per quarter

New claim numbers are trending down slightly. The majority of claims involve Queensland residents seeking assistance from Queensland law firms.

Proportion of claims added per quarter

Number of claims added per quarter by severity


Our scheme responds to meet the needs of a wide range of people of different ages, genders, types of crashes and roles in crashes. Our improved analytics capabilities also enable us to better understand and respond to changes in the scheme experience.

Number of registered vehicles by vehicle class

Vehicle class numbers steadily increased over time, however there was a slight drop in the last quarter. This drop was more significant in class 3 (taxis), class 4 (hire vehicles) and class 26 (booked hire vehicles and limos).

Age groups of claimants by gender

Claim severity


Claimant role


Crash details


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Number of crashes per time and day of week

Crashes were most likely to occur between 3pm and 6pm on weekdays. There were significantly less crashes at night time than during the day.

Percentage of serious crashes per time and day of week

Although fewer accidents occurred at night time, the proportion of serious crashes is significantly higher, especially on weekends.

Want to learn more? Contact our Analytics team.

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Last modified 7 June 2021


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