Overview
Welcome to the January–March 2026 edition of Scheme insights, where we delve into the latest developments shaping Queensland’s Compulsory Third Party (CTP) insurance scheme.
This quarter, we highlight MAIC’s continued focus on research, partnerships and community engagement to improve road safety outcomes across Queensland.
We share an update on the extension of funding for road safety research at the University of the Sunshine Coast, and how MAIC is supporting young Queenslanders through QUT’s BlueShift 2026 program to drive greater awareness of road safety and CTP insurance.
You can also read about key insights from the RECOVER Symposium 2026, which brought together experts to strengthen outcomes after injury, and our support for advancing trauma care in regional Queensland through the Emergency Medicine Foundation annual grants program.
Learn more:
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. Queenslanders continue to enjoy the benefits of price competition, with multiple insurers providing CTP policies at competitive prices.
New claims
Number of new claims per quarter
The number of new claims received between January and March 2026 remains in line with seasonal trends.
Proportion of claims added per quarter
The proportion of claimants choosing to lodge their claims directly to the insurer has increased this quarter, in line with seasonal trends.
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 1,930 claims for minor injury and 345 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
New registrations through motor dealers continue to respond to price competition. QBE continues to gain market share in vehicle sales growing from 19% to 22%, 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.
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.