Background
In May 2026, APRA consulted on a proposed non‑confidentiality determination for the National Claims and Policies Database (NCPD) and a refreshed publication approach. The proposal introduced a simplified publication format and the separate publication of cyber insurance and management liability data, while preserving the existing level of aggregation and scope of the current determination.
Submissions received
APRA received submissions from industry stakeholders, including the Actuaries Institute and the Insurance Council of Australia (ICA). Non confidential submissions can be viewed on the consultation page.
Submissions were generally supportive of the proposed publication approach and non‑confidentiality determination, with some concerns raised around confidentiality and product definitions.
Response to submissions
Confidentiality proposal and publication approach
Submissions were broadly supportive of APRA’s proposal to determine the relevant NCPD aggregates non confidential and to move to a standardised, downloadable publication format.
APRA will proceed with the proposed non‑confidentiality determination. The proposal does not expand the scope of data determined to be non‑confidential and maintains the maintained level of aggregation and existing confidentiality safeguards.
Cyber insurance and management liability
Stakeholders supported the inclusion of cyber insurance and management liability as separately published product classes.
The ICA noted potential practical challenges where cyber insurance is not offered as a standalone product. APRA notes that earlier consultation supported the separate treatment of cyber insurance and management liability, and reporting standards were updated on that basis.
APRA will work with industry to produce a Reporting Practice Guide to address any uncertainty.
Identifiability and confidentiality risks
The ICA raised concerns regarding the potential identifiability of individual insurers, particularly for smaller product segments or cohorts with limited participation.
APRA’s published NCPD outputs will continue to apply the maintained level of aggregation and existing confidentiality safeguards. In addition, external publications will include aggregation and masking, consistent with these safeguards, to manage data privacy risks.
For users requiring more granular data, access may be considered on application (via dataanalytics@apra.gov.au), subject to appropriate privacy safeguards, conditions of use, and confidentiality requirements.
Publication format and usability
Stakeholders supported the move to a simplified set of downloadable publication outputs. APRA will proceed with the proposed publication structure, which is intended to improve usability while maintaining consistency with existing outputs.
Lloyd’s publications
The Actuaries Institute noted the reduced scope of Lloyd’s publications and the benefits of greater alignment with non‑Lloyd’s data.
APRA will continue to publish Lloyd’s statistics broadly consistent with existing practice, reflecting current reporting and regulatory arrangements. APRA acknowledges the interest in enhanced alignment and will consider this as part of future work, subject to reporting constraints.
Timeliness of publication
The Actuaries Institute noted the importance of more timely release of NCPD statistics.
APRA acknowledges the importance of more timely data releases and is working to improve the timeliness of NCPD publications as part of the refreshed publication approach.
Data enhancements
The Actuaries Institute suggested enhancements to improve usability, including development patterns and additional dimensions (such as industry, claim type and company size). The refreshed publication format eliminates the need to truncate development triangles.
APRA will continue to engage on opportunities to enhance usability and analytical value, having regard to confidentiality and privacy requirements.
Next steps
APRA will finalise the non‑confidentiality determination and proceed with the release of the updated NCPD publications.
The initial publication will include data reported to APRA up to 31 December 2024. Data for 2025 has been collected and is undergoing validation and quality assurance, with a publication scheduled later in 2026.
APRA will continue to engage with stakeholders on the implementation of the refreshed publication approach.