A review of Queensland’s CTP insurance scheme was commenced by the Motor Accident Insurance Commission (MAIC) in 2023. As part of the review, a discussion paper was released for public consultation focused on identifying opportunities to improve the scheme’s sustainability and encourage price competition, while ensuring the scheme remained affordable for motorists.
A total of 19 submissions, as well as one addendum submission, were received from key stakeholder groups and the wider community. Stakeholders had contrasting views on the best way to deliver improvements. None of the options received unanimous support and many stakeholders were complimentary of the existing scheme, which was seen to be serving the community well.
The review was placed on hold after RACQ’s decision to exit the scheme in late 2023 and was not finalised before the 2024 State election.
After careful consideration of the review material and additional consultations and analysis, the Queensland Government finalised the review in early 2026 and decided that reform of the scheme will not be progressed at this time.
As at finalisation, the CTP scheme is performing well, with the majority of Queensland motorists paying the lowest CTP premiums in mainland Australia. In addition, since October 2025, Queensland motorists have also been benefiting from the return of competitive premiums across multiple vehicle classes for the first time in over a decade, putting downward pressure on the cost of living.
MAIC will continue to engage with stakeholders and closely monitor the scheme’s affordability, competitiveness and performance to ensure it keeps delivering for Queenslanders.
MAIC thanks all stakeholders who made submissions and contributed to the review process.
Discussion paper
MAIC is committed to providing inclusive and accessible services to Queenslanders from all culturally and linguistically diverse backgrounds. If you have difficulty in understanding the discussion paper, you can contact us on the enquiries line 1800 CTP QLD (1800 287 753) and we will arrange an interpreter to effectively communicate the discussion paper to you.