Claims handlers are responsible for dealing with those making insurance policy claims, usually specialising in a single type of insurance. They most often work on straightforward claims falling within an agreed upon limit for payout. Tasks required by the position include:
- Taking claim details from a customer
- Offering advice and issuing a claim form
- verifying claims
- ensuring premium payments are up to date there policy offers coverage for their claim
- collecting relevant information like valuations, pictures or purchase reciepts
- informing customers of their claims impact on future premiums
- arranging payment for uncontested claims
- referring to a claims manager any high-value, uncertain or intricate claims
Working Hours
You will work in either an insurance office or out of a contact center, mostly using a phone and computer. Full time employment of 35-40 hours per week may be during standard office hours, but may also include evening or weekend shifts. Part-time hours are also possible.
What an Insurance Claim Handler can earn
Salaries can start out at £13,000 a years, but may be as much as £20,000 a year for graduate trainees or those with experience. Insurance, pension and performance based bonuses may also be included in your salary.
Ways of becoming a Insurance Claims Handler
1. Entry Requirements
Computer skills and administrative abilities are necessary. Customer service experience or previous office work are preferred, but not required. Employers vary in their requirements, with some seeking formal qualifications while others will test your skills.
2. Apprenticeships
Apprenticeships are another way to get into the insurance industry. The availability of apprenticeships will depend on local factors such as the job market or the skills required by employers. The Apprenticeship website market.
offers further information.3. Diploma / Degree in Business, Administration or Finance
Larger firms may offer graduate trainee opportunities. While most subjects are accepted, preference is given for degrees in business or math. A levels with relevant work experience may also be acceptable at some employers.
4. On Job Training and Development
While structured training is offered by some companies, much training takes place on the job, along with time spent studying for industry qualifications. Qualifications available from the Chartered Insurance Institute include the CII Certificate Insurance, the CII Diploma in Insurance and the CII Advanced Diploma in Insurance (ACII status). There is an expectation from many employers that you continue until you have reached full ACII status.
Skills and Knowledge Required
The below is a good starting point for what you need to bring to the job:
- Excellent written and verbal communication skills
- good skills in customer service
- detail oriented
- professionalism when dealing with unhappy customers
- ability to perform under pressure
- good typing and administrative skills
- respect for privacy
Insurance Opportunities
Opportunities for employment in the insurance industry are available all over the UK. Check your local newspaper, trade publications or recruitment agencies to find them.
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