______________________
______________________
_______________________
_______________________
_______________________
________________________
______________________
______________________
____________________
______________________
Technical Consultant- Commercial Liability Direct Bromley & Manchester - Hybrid (1/2 days in the office) Full Time, Permanent Position Let's make the most of your talent. Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling. About us At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we're a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day. It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here. What you'll be doing Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim. Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken. Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations. Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation. A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks. Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors. Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance. Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework. What we're looking for Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims. Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K An understanding of common law and insurance-related legislation Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions. A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets. What we offer in return We wouldn't be where we are today without our people and the wide variety of perspectives and life experiences they bring. That's why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include: Generous 9% employer pension contribution 22 days holiday allowance (plus the option to buy or sell up to 5 days each year) 50% off home, motor and pet insurance Free travel insurance and Green Flag breakdown cover Additional optional Health and Dental insurance Plus, many more There's no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That's why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be. We're proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we're happy to say we're customer obsessed. Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher. Difference makes us who we are. We believe everyone should
Job Title: Claims Handler Location: Sevenoaks Salary: £24,255 to £25,876 OTE including £4,200 performance related bonus per annum Job Type: Permanent, Full Time Due to continuing growth, here at Acorn Insurance we have a fantastic opportunity to join our Claims department. As Liability Claims Handler, you will be able to demonstrate your claims handling skills by proactively managing and tracking several claims. You will be a confident communicator on an off the phone which will require you to resolve liability in a timely manner to maximise efficiency. You will be to use your time effectively to be able to investigate and identify and raise any fraud concerns whilst also being able to meet deadlines. This is a fantastic role to start or enhance your career within the Insurance sector. Located in an amazing city centre location with fantastic views, transport links and very close to shops, restaurants, and many tourist attractions. What you will be doing: To manage a small portfolio of TBE claims as decisively and efficiently as possible. High volume of outbound calls and proactive touches on claims, liaising with all parties involved to resolve liability as quickly as possible. Each claim will be kept for a maximum of 14 days (10 working days) at which point the claim will be re-allocated to the relevant team if liability cannot be established. Once liability is established and providing there is a genuine opportunity, referrals will be made to other departments to enhance further revenue streams, i.e. Intervention and Non-Fault. Validate all claims for indemnity and fraud concerns. Identify all heads of claim at the earliest opportunity to mitigate if possible and reduce claims leakage. Investigate liability proactively, searching for all available evidence, contacting all parties and representatives involved to come to a swift liability decision. Solid desktop investigations made using all available sources such as Google Maps, GB Trace, Esendex and What's App. Managing claims in line with the reserving philosophy and applying a bold approach when considering closures. Proactive diary management to monitor and progress each claim. What we're looking for: Proactive claims handling skills Persuasive, strong and confident communicator Solid desktop investigations Motivated self-starter About Acorn Insurance We are a growing business with great opportunities to build your knowledge of the financial services industry. As a specialist insurance provider, we have 40 years of experience helping people secure motor insurance across all of the UK. We help more than 50,000 customers to find a policy that meets their needs and gives them the peace of mind that comes with high-quality insurance. At Acorn Insurance we provide full training and continuous coaching inhouse you will be given full in-depth FCA regulated industry knowledge and have all the tools necessary to help you personally grow your career with the business. We celebrate difference and it's important to us that we have a culture where our people feel respected and valued for who they are. We pride ourselves on being accessible and encourage inclusive environments where our people can always give and show the very best of themselves. Why Acorn Insurance? Acorn Insurance want to give you more than a job, we want to give you a purpose and a career. So, what can we offer you as an employer? Some of the "your tomorrow" benefits you will receive include: Enhanced Annual Leave entitlement starting at 31 days and potentially increasing to 35 days per year depending on grade & length of service (including bank holidays) Additional Buy & Sell Holidays Company Sick Pay Scheme Company Paid Maternity & Paternity Leave Generous Company Pension Scheme Perk Box Online & High Street vouchers and discounts Fresh fruit Deliveries twice a week £250 Refer a friend bonus Cycle to work scheme Free eye test vouchers and a contribution towards the frames Free self-development & qualifications via Magpie Learning A comprehensive Mental Health support a wide network of mental health first aiders and free counselling sessions Free Hot Drinks Regular Employment Engagement including ongoing competitions with fantastic prizes Charity fundraising events All roles are subject to DBS and Financial checks, any offer made will be conditional until checks are completed to a satisfactory standard. If you think you would be a great fit for us, but don't meet all the requirements of the role, please contact us as we'd love to discuss how Acorn Insurance could be the next step in your career journey. Candidates with experience or relevant job titles of; Customer Claims Executive, Claims Account Manager, Claims Customer Service, Case Handler, Customer Claims Handler, Claims Advisor, Claims Assistant will all be considered.