Please direct all questions and queries via email to scheme@ccinsurance.org.au – all queries will be triaged and acknowledged within 72 hours of receipt.

The Scheme of Arrangement is a Court approved procedure under Part 5.1 of the Corporations Act. The Scheme of Arrangement is a compromise between CCI and its creditors (in this case, all Scheme Creditors) which became legally binding in November 2023.

The Scheme is designed to ensure claims continue to be managed in an orderly manner.

All policyholders and other persons who have, or may in the future have, a claim against the Company under or in connection with an insurance contract will be affected by the Scheme. This excludes all workers’ compensation policies (see “Whose rights will not be altered under the Scheme” below).

The Scheme does not apply to creditors who do not have Scheme Claims. These creditors include:

• employees of the Company in respect of their claims for salaries and other benefits;
• service providers, such as trade creditors, of the Company in respect of their costs;
• creditors with claims arising in respect of the costs of implementing the Scheme;
• persons with actual or potential claims against the Company in respect of Workers’ Compensation policies written by the Company.

Policyholders in respect of Workers’ Compensation policies issued by CCI have special rights and protections under applicable legislation in the relevant states and territories, including rights of security in respect of policies issued in New South Wales (which the relevant State Authority may require be increased from time to time). These special rights and protections would also apply in a winding up of CCI.

On that basis, and in recognition of these special rights and protections, Workers’ Compensation policies are excluded from the Scheme and claims under Workers’ Compensation policies will continue to be managed by the Company in the usual way and paid in full outside of the Scheme.

The purpose of the Scheme Advisers is to administer the execution of the Scheme in accordance with their obligations within the Scheme of Arrangement and act in the best interest of the Scheme Creditors.

The purpose of the Creditors Committee is to oversee the execution of the Scheme and act in the best interest of the Scheme Creditors.

Trigger Event means when the CCI Board determines that in its opinion, 

disregarding the effect of the Scheme on the Company:

1. the Company would be insolvent, or would be likely to become insolvent at some future time (in each case as defined in section 95A of the Corporations Act); and/or
2. the value of the Company’s assets would be or would be likely to become less than its liabilities taking into account its contingent and prospective liabilities.

For the purposes of this definition, “liabilities” means the Company’s liabilities as recorded in its statement of financial position but excludes:

1. risk margin; and
2. any Shareholder Funding.

The Payment Percentage will be determined by the Scheme Advisers. In setting a Payment Percentage, the Scheme Advisers will consult with the Creditors’ Committee and consider a range of factors including current and projected levels of assets of the Company relative to its liabilities, after reserving for Non-Scheme Claims and Scheme Costs and recognising any specific rights that Scheme Creditors or State Authorities may have over assets.

This consultation will require the Scheme Advisers to take account of the views expressed by the Creditors’ Committee in good faith. However, the Scheme Advisers will not be bound by those views and the Creditors’ Committee will not have approval rights in respect of the Payment Percentage.

Under the Scheme, there is pause period of up to 90 days in which no payments will be made for Scheme Liabilities. The purpose of this is to determine the appropriate policy entitlements and ensure that all clients are treated fairly under the Scheme of Arrangement.

Yes you can still make an insurance claim under your Insurance Contract in the same way as before and the Company will assess that claim, provided the loss giving rise to the claim occurred or is deemed to have occurred during the contract period.

CCI will continue to assess and manage claims in accordance with the policy terms and conditions.

Scheme Liabilities means all liabilities or potential liabilities of the Company in respect of actual or potential Scheme Claims, including Scheme Claims which have been reported and not yet agreed and Scheme Claims which may be reported in the future. This includes but is not limited to, settlements to Insureds and Third parties, Common Law settlements, Liability General damages, Repairers/Suppliers costs, Professional Fees, Student Care Policy benefits.

Non-Scheme Liabilities means all liabilities or potential liabilities of the Company in respect of actual or potential Non-Scheme Claims and includes Scheme Costs and any amount payable or which may become payable as contemplated by the Scheme. This includes but is not limited to, Assessors Fees, Investigation Fees, Mediation Fees, Expert Witness Fees.

After the Trigger Event, a Payment Percentage will be set by the independent Scheme Advisers, and Scheme Liabilities will be paid at the Payment Percentage.

There is a delay of up to 90 days to allow the Scheme Advisers to set appropriate payment percentage. Once the payment percentage is set, all payments paused will be paid within 60 days in accordance with the payment percentage.

During the pause period you may be required to pay any Scheme Liabilities that fall due.

Eligible payments at the determined Scheme percentage will be made within 60 days.

Any claim invoices or settlements paid prior to the Trigger Event will not be impacted.

For any questions regarding your claim please contact your claims specialist or email scheme@ccinsurance.org.au.

NB. Any questions regarding the Scheme of Arrangement will need to be directed to scheme@ccinsurance.org.au.

There is no method to challenge or dispute the payment percentage determined by the Scheme Advisers.

There is no exemption or financial hardship provision under the Scheme.

If you have a complaint that relates to our products, services, or the conduct of our representatives such as our employees, loss adjusters, loss assessors, investigators, collection agents or claims team, please contact us.

Contact us via our online form​ or,

Write to us at: Complaints Officer, Catholic Church Insurance Limited, GPO Box 180 Melbourne, VIC 3001 .

Or call 1800 011 028 EST 8:30am to 5:00pm, Monday to Friday.