Job Type: Permanent
Location: York, Glasgow or Colchester. Flexibility for candidates based in the North (e.g., Leeds or Manchester) who can travel to York regularly. Glasgow candidates must have experience handling England & Wales cases.
Responsibilities
* Deliver a high standard of claims service across a varied portfolio of Bodily Injury, Medical Malpractice and Third Party Property Damage claims.
* Investigate and manage claims from first notification to conclusion, including pre‑litigation to final settlement or court hearing for third‑party claims.
* Review and confirm policy coverage position; reach decisions in‑house with increasing confidence.
* Set claim strategy, handle in‑house where possible, implement claim prevention strategies to avoid formal claims.
* Select, instruct and actively manage law firms and other experts, including proactive indemnity and cost management.
* Liaise and negotiate with clients, brokers, claimants and their representatives; attend mediations, JSMs and court hearings.
* Manage the claims portfolio proactively in accordance with the CUG and relevant KPIs and SLAs.
* Identify fraudulent claims and recovery opportunities, report trends and concerns to key stakeholders via Trilogy Light, internal training sessions and claims managers.
* Develop and maintain relationships with internal stakeholders (RUMs, RMs, product and sector heads, customer relations, CWG, conduct) and external stakeholders (insureds, brokers, law firms, other experts). Demonstrate commercial awareness.
* Take referrals from DAs on coverage, strategy and reallocation to the internal claims team; provide technical advice and guidance to insureds.
* Assist in continuous improvement of the Claims operation in line with the current Claims strategy; embrace new technologies such as Co‑Pilot and digital tools.
* Participate in Group, UK or Claims‑wide projects and change programmes affecting claims operations; provide SME assistance as required.
Qualifications and Required Experience
* Strong experience handling Third Party liability Bodily Injury and/or Medical Malpractice claims as an insurance claims handler or within a law firm.
* Experience managing claims end‑to‑end, including instruction of solicitors and oversight of claim strategy.
* Solid understanding of pre‑action protocols and civil litigation.
* Demonstrable experience applying policy wording and assessing coverage/liability.
* Background in insurance claims handling or a legal environment (law firm / paralegal).
* Exposure to insurance policy coverage for liability claims is highly beneficial.
* Experience handling Third Party Property Damage claims is advantageous but not essential.
* Strong organisational skills, ability to manage multiple claims and prioritise effectively under pressure.
* Experience working with multiple stakeholders (brokers, solicitors, policyholders).
* Excellent communication and interpersonal skills, with the ability to provide reassurance and build trust with customers.
Additional Requirements
* Willingness to obtain professional qualifications such as CII, CILex or equivalent.
Diversity & Flexible Working
Hiscox values diversity and offers flexible working arrangements where possible.
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