Claims Handler – Motor and Third Party Property Damage

About Hiscox UK

Hiscox UK is a prominent specialist insurer recognized for leading standards in the UK insurance sector. Renowned for servicing high-profile clients, including technology firms and affluent homeowners, Hiscox operates across twelve targeted UK sectors, delivering customized insurance solutions tailored to diverse customer requirements.

Team Overview

The third party property and motor claims team comprises specialists focused on offering expert technical knowledge and excellent service to stakeholders. They independently manage claims within defined authority limits, collaborating with policyholders, brokers, delegated authorities, and panel solicitors to secure optimal claim resolutions.

Role Summary

The Claims Handler will oversee a diverse portfolio of Motor and Third Party Property Damage claims, ensuring high-quality service delivery. The role involves collaboration with underwriting teams to provide insight into claim trends, supporting product and sector understanding, and contributing expertise to business enhancements and initiatives aimed at elevating customer experience.

Key Responsibilities

• Act as the primary internal contact for Motor claims within delegated authority teams, managing referrals regarding coverage and strategy, handling claims beyond delegated authority, and supporting supplier relationship management.
• Manage third party property damage claims under public liability policies with values up to £100,000.
• Maintain a customer-centric approach throughout the claim process, ensuring strong engagement with customers and brokers to achieve positive outcomes.
• Investigate and manage claims from initial notification through to settlement or final hearing, including pre-litigation activities.
• Confirm and interpret policy coverage with increasing confidence to make informed in-house decisions.
• Formulate claim strategies prioritizing in-house handling where feasible and implement preventive measures to reduce formal claims against customers.
• Select, instruct, and manage legal firms and other experts, actively controlling indemnity and costs.
• Negotiate effectively with clients, brokers, claimants, and their representatives, including attending mediations, JSMs, and court sessions.
• Proactively oversee the claims portfolio according to underwriting guidelines, KPIs, and SLAs.
• Identify fraudulent claims and recovery prospects from third parties, applying strategic claims handling to maximize benefits for customers and Hiscox.
• Detect claim trends and concerns, reporting regularly to stakeholders via meetings and internal trainings.
• Build and sustain relationships with internal teams such as underwriters, customer relations, wordings, and conduct departments, demonstrating commercial acumen.
• Manage relationships with external stakeholders, including insureds, brokers, law firms, and experts, maintaining commercial awareness.
• Handle referrals from delegated authority partners related to coverage, strategy, and claim reallocation.
• Provide technical advice and guidance to insured parties.
• Contribute to ongoing claims operational improvements aligned with company strategy, embracing new technologies and digital tools as introduced.
• Participate in group and claims-wide projects and change programs, offering subject matter expertise as agreed.
• Commit to obtaining professional qualifications such as CII, CILex, or equivalents.

Candidate Profile

• Proven experience managing Motor Claims with strong policy coverage knowledge, within insurance claims, third-party administration, or legal contexts; special investigations or fraud experience is advantageous.
• Handling of third party property damage claims under public liability is desirable but not mandatory.
• Experience managing claims end-to-end, including solicitor instruction and overseeing claim strategies.
• Sound familiarity with pre-action protocols and civil litigation procedures.
• Demonstrated ability to interpret policy wording and evaluate coverage and liability.
• Background in insurance claims or legal environments, such as law firms or paralegal roles.
• Excellent organizational skills with capacity to manage multiple claims and prioritize under pressure.
• Experience liaising with diverse stakeholders including brokers, solicitors, and policyholders.
• Strong communication and interpersonal abilities to reassure clients and build trust.

Diversity and Flexible Working

Hiscox values its people, promoting diversity and an inclusive culture as key to success. The company supports flexible working arrangements where possible, acknowledging varied work-life needs. Candidates are encouraged to discuss flexibility options during recruitment. Join a collaborative environment that fosters unique culture and exceptional teamwork.