Claims Investigation Officer

Recruiter
Zen Personnel Limited
Location
Greenwich, Greater London
Salary
£17.27 - £21.60/hour
Posted
13 Jul 2017
Closes
12 Aug 2017
Sector
Accountancy
Contract Type
Contract
Hours
Full Time
Purpose of job
To comprehensively deal with all liability claims made against the Royal Borough including where appropriate conducting further investigation to include site visits and interviews in line with prescribed procedures and guidance.
To action and assess insurance claims in the Ministry of Justice Claims portal in line with required procedures and protocols in order to minimise the costs and liability risks to the Royal Borough.
To provide support to the Head of Financial Governance, Risk & Insurance and the Insurance & Risk Manager in undertaking the other functions of the service including identifying departmental / corporate risks to help strengthen Royal Borough procedures
Main duties
1. To process third party legal liability claims against the Royal Borough. To thoroughly investigate each claim, visiting sites, meeting and corresponding with claimants and their legal representatives, obtaining information including interviewing and taking statements from staff in other departments or from other concerned parties as appropriate and arranging inspections of damaged properties where applicable.
2. To handle simultaneously the allocated claims across a range of insured areas prioritising claims under own initiative ensuring prompt action in line with internal procedures / deadlines and maintain an up-to-date knowledge of and to apply the working practices and procedures of the Royal Borough. To participate in discussions and to assist in providing advice to senior management and Directors in relation to the Royal Borough’s insurance arrangements and legal obligations.
3. To ensure that claims are adequately investigated and prompt responses issued to claimants and third parties within the terms of the Ministry of Justice Pre-Action Protocol for Personal Injury Claims. (3 months) Ensuring the early exchange of full information about the incident to enhance pre-action investigation by all parties, and where possible complete investigations to avoid litigation action being issued against the Royal Borough or any court imposed sanctions for failing to comply with the protocol.
4. To update and maintain the Royal Borough’s database of insurance claims inputting new claims and extracting data relating to insurance administration if requested.
5. To ensure adequate financial reserves are calculated and maintained at an appropriate level for insurance provision, reviewing claims on a regular basis and adjusting the reserves as necessary.
6. Process insurance claims submitted from Schools covered by the Royal Borough’s locally managed schools scheme for fire damage and other property losses including liaising with schools, loss adjusters, the Royal Borough’s property services and external insurers regarding the claims and to settle or decline claims on the basis of the policy wording.
7. To maintain a variety of records and extract information as required including records relating to the insurance aspects of Right to Buy / Leasehold properties ensuring that accurate premium information is provided for recharging purposes and that Leaseholders receive their annual renewal statement.
8. Liaise with the Royal Borough’s Brokers, Insurers and Neighbourhood Offices to ensure that the scheme and any claims are handled appropriately – e.g. refusal or cancellation of cover, resolving complaints regarding claims handling.
9. Use relevant case law to assess liability, identify the best course of action and to negotiate settlements in the best interests of the Royal Borough and in accordance with guidelines inclusive of legal costs subject to the agreement of the Insurance & Risk Manager. To value personal injuries with reference to appropriate source materials.
Experience/Education
• Experience as an Insurance Claims Officer handling a portfolio of claims in a Local Authority environment (preferable), public sector organisation or other body delivering Insurance and or Risk Management Services.
• Relevant qualification from a recognised body such as Chartered Institute of Insurance or similar equivalent

Skills/Knowledge/Abilities
• An understanding of the latest issues and legislation relevant to Insurance claims handling in a local government environment.
• Knowledge and ability to process third party legal liability claims including site visits where appropriate and corresponding with claimants and their legal representatives recommending practical solutions to ensure the interests of the Royal Borough are best served.
• Ability to conduct interviews with members of the public or Royal Borough employees, taking formal statements where required in order to ascertain the relevant facts to enable the assessment of any liability and potential payment of compensation.
• Ability to present evidence at hearings, courts or other forum
• Ability to provide practical and effective solutions and use relevant case law to be able to influence and negotiate successful outcomes and settlements in the best interests of the Royal Borough.
• Maintaining knowledge and understanding of the latest issues in local government finance, with particular regard to professional and legislative developments in the fields of local government insurance and risk management.
• Ability to action and assess insurance claims in the Ministry of Justice Claims Portal in line with prescribed procedures
• Ability to establish effective liaison with Officers within the Royal Borough and external agencies providing advice and assistance to other departments in relation to insurance and risk matters.
• Maintaining an understanding of the Council’s Equal Opportunities Policy and promoting the policy at a level compatible with the post