Reasons to ReThink CTP

of people surveyed do not know that CTP is different in each state of Australia


At least one in every two people think CTP covers property damage to their car - but it does not


*2018 RACQ Member Research

You wouldn’t know it, but CTP is one of the most important social insurance schemes in the country, because it’s there to provide the financial support you need to recover if you’re injured. But how much do you really know about our State’s compulsory motor injury insurance scheme? Can you trust it will protect you and your family if they are injured on Queensland roads?

When you dig a little deeper you might be surprised what the CTP insurance you pay for each year doesn’t cover.

A variety of independent research undertaken by RACQ and the Motor Accident Insurance Commission, along with independent statistical reports on the Queensland scheme, have highlighted issues that exist with our state’s CTP scheme.

  1. Queensland’s CTP scheme is an ‘at fault’ scheme:
    This means an injured person must be able to prove a driver was negligent in some way, which caused the motor vehicle crash, to trigger access to compensation from the CTP scheme.1
  2. Gaps in injury cover:
    If you are injured in a motor vehicle crash and you can’t blame another driver for your injuries, you are left on your own to source your own treatment and support. More often than not you will pay for treatment yourself where the public health or welfare systems don’t respond.2
  3. Lack of flexibility:
    Our state’s CTP scheme is arguably not flexible enough to keep up with changes in vehicle technology, shared mobility services and innovation in how we move around.3
  4. Difficult to understand:
    The state’s CTP scheme is complex and for many Queenslanders, accessing information that can be easily explained can be difficult. This has the potential to cause some injured people delays in trying to access recovery benefits to help them get back on their feet.4
  5. Lack of information:
    There is limited information available for people about CTP insurance when purchasing, registering or renewing their vehicle’s registration, to be able to make an informed choice about their insurance cover.
    There is also a lack of information sources available for the injured person when it comes time to apply to the scheme for benefits, which may cause confusion and frustration to the injured person at a time when they should be focused on recovery.5
  6. Influencing the CTP scheme:
    The motorists who pay for the scheme have not been given enough of a platform to be heard in how the scheme should be designed or where and how the scheme funds should be distributed.
  7. Fair share going to the injured:
    The amount of money taken from the scheme by all stakeholders - including insurers, lawyers, allied health and government – collectively, is more than what the injured person gets access to.6

ReThink CTP is an initiative of RACQ