Job Description
Technical Consultant- Commercial Liability Direct – (Full Time, Permanent Position)
Manchester – (Hybrid 1/2 days in the office)
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'll settle a variety of third-party claims as economically as possible while maximising the speed of settlement and safeguarding the company’s reputation.You'll become an integral part of a centre of technical excellence for Motor and Liability claims, where you'll provide advice and guidance to colleagues and other business areas within Direct Line Group.
- Manage own portfolio of complex and/or higher value commercial direct liability claims to include EL, PL, Disease and Products claims in accordance with personal delegated handling authority.
- Check policy records to ensure that the loss falls to be considered under the policy.
- Undertake all necessary investigations, with assistance of experts where required, to ensure all claims are fully validated.
- Liaise with legal advisors (solicitors and counsel) where necessary over issues of policy indemnity and legal liability.
- Using the appropriate medium, negotiate a fair and reasonable settlement of the Third Party claim.
- Ensure knowledge of legal and procedural developments affecting claims handling is kept fully up to date. Where appropriate evaluate any relevant changes or developments, provide input into any impact assessment or determination of approach that should be taken by Direct Line Group and communicate results as necessary.
- Act as a referral point and mentor to other members of the team as required, developing their skills and ability to contribute.
- Where appropriate provide technical advice and support to other business areas to support the achievement of business objectives and be aware and make others aware of developing market trends.
- Develop self in order to maximise personal contribution to the job.
- Focus on costs, process improvements and/or efficiency to contribute to the profitability of Direct Line Group
- Contribute to the development of claims handling strategy within Direct Line Group, identifying opportunities for improvements and strategies to ensure Direct Line Group continue to be seen as market leaders in this area.
- Be aware of and comply on an ongoing basis with the rules and requirements any legal/regulatory/risk management frameworks.
- Identify, own and manage the risks involved in running our business appropriate to the role, in line with the Direct Line Group risk framework.
What we're looking for
- Demonstrated expertise in handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims.
- Proficiency managing, end-to-end claims processes, with a preference for experience handling claims valued up to £100k.
- In-depth 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.
Hours: 35 hours (Monday to Friday, 9am to 5pm)
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.
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.
Together we’re one of a kind.
What we’ll give you 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:
- 9% employer contributed pension
- 50% off home, motor and pet insurance plus free travel insurance and Green Flag breakdown cover
- Additional optional Health and Dental insurance
- Generous holidays, 25 days (excluding bank holidays). Plus, the option of buying or selling up to 5 days each year!
- Up to 10% performance-based annual bonus
- EV car scheme allows all colleagues to lease a brand new electric or plug-in hybrid car in a tax efficient way.
- Buy as you earn share scheme
- Employee discounts and cashback
- Plus many more
Ways of Working
Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you.
Read our flexible working approach here
Being yourself
Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. We're delighted to feature as one of the UK's Top 50 Inclusive Employers and are committed to making our business an inclusive place to work, where everyone can be themselves and succeed in their careers.
We know you're more than a CV, and the things that make you, you, are what bring potential to our business. We recognise and embrace people that work in different ways so if you need any adjustments to our recruitment process, please speak to the recruitment team who will be happy to support you.
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