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Large Loss Claims Handler
Role Purpose/Overview:
- Senior Technical Claims Handler working within our Large Loss Team.
- Proactively handle a portfolio of motor claims consisting of mainly high value bodily injury with a value up to £500,000.
- Investigate and advise upon claims involving complex indemnity issues across private, commercial, and motor trade risks.
- Working within a team and being a central referral point for technical issues, advising on strategy, tactics, and key developments.
- Assist in targeted reviews to ensure best practices and best outcomes.
Key Responsibilities:
- Managing claims caseload, in accordance with the Group philosophy, claims handling procedures and service levels.
- Controlling claim cost by achieving the most economical settlement, through good use of liability and quantum arguments and effective negotiation
- Maintaining good file discipline and accurate reserves, together with an effective diary system which ensures that cases are reviewed on a regular basis and handled in a timely manner aligned to SLAs &/or any Court timetable.
- Attendance at Trials and conferences with Counsel where appropriate.
- Adherence to and engagement with Reinsurers and all associated Large Loss procedures.
- Full adherence to authority limits
- Developing and maintaining effective relationships with colleagues and business partners.
- Supporting the development of junior colleagues by acting as a Mentor and reference point
- Undertaking general claims tasks, as required.
- Adhering to agreed personal authority limits, referring to line manager/Large Loss Team for authorisation where activity exceeds such limits.
- Ensuring compliance with all regulatory requirements (including “treating customers fairly” principles).
- Responding promptly and proactively to incoming telephone calls and correspondence by use of telephone, e-mail, and letter.
- Maintaining good file discipline and accurate reserves, together with an effective diary system which ensures that cases are reviewed on a regular basis.
- Act as a technical referral point within the team and through the business, to ensure technical queries and referrals are managed within SLA’s
- Proactively managing personal training and development requirements.
- Undertaking general claims tasks, as required.
- Where applicable, to adhere to Company processes regarding FCA compliance and Treating Customers Fairly
- Where applicable, to ensure that GDPR, FCA, Vulnerable Customer, Consumer Duty, TCF and other regulatory requirements are met.
Key Skills and Knowledge:
- Strong and current working knowledge of personal injury claims with handling experience in serious injury
- Strong technical knowledge of motor indemnity issues.
- Experience in managing a portfolio of serious injury claims including claims impacted by the application of Discount Rates, Care Claims and any other heads of claim applying to serious injury claims.
- Good knowledge of medical disciplines is required in investigating personal injury claims at all levels of severity.
- Able to demonstrate an understanding and application of claims negotiation, liability decision making and cost potential.
- Knowledge of current, relevant Case Law
- Ensuring compliance with all regulatory requirements (including ‘treating customers fairly)
- Strong customer service and communication skills
- Ability to manage and prioritise own workloads
- Good communicator and the ability to coach and support colleagues on technical topics
- Willingness to develop self and new skills
- Ability to work with flexibility in a proactive claims environment.
- Good market knowledge
- Good commercial awareness
