Motor Claims Officer

The Motor Claims Officer will report to the Manager-Motor Claims and is responsible for the technical supervision of motor claims assessments. This includes reviewing and validating assessment reports from external assessors, performing assessments when necessary, ensuring adherence to service level agreements, detecting fraud and claims leakage, and initiating cost-control strategies to achieve equitable, prompt, and economical claims resolution.

1. Review and validate assessment reports from external assessors for accuracy, completeness, and adherence to company standards.
2. Verify vehicle damage, recommended repairs, labor costs, spare parts pricing, and repair timelines before approving claims.
3. Provide timely quality assurance feedback and complete assessment report reviews within specified turnaround times.
4. Conduct physical and desktop vehicle assessments to determine the appropriate course of action, such as repair, total loss, salvage, or further investigation.
5. Prepare and issue internal assessment reports within established service timelines.
6. Manage and monitor external assessors to ensure compliance with SLAs, quality standards, and effective service delivery.
7. Control claims costs and prevent leakage by reviewing repair estimates, negotiating costs, and recommending value-for-money solutions.
8. Identify and escalate suspected fraudulent or exaggerated claims, offering technical support for investigations.
9. Provide technical guidance and support to claims handlers, garages, investigators, and other claims partners.
10. Track, analyze, and report on performance metrics including assessor performance, turnaround times, claims costs, fraud trends, and cost-saving achievements.

1. Bachelor’s degree in Automotive Engineering, Business, Commerce, or a related field.
2. Advanced Diploma in Insurance (AIIK) or ACII (UK) is required.
3. Minimum of 3 years of experience in motor claims within general insurance.
4. Strong knowledge of insurance products, market practices, and best motor claims processing procedures, along with a solid understanding of regulatory compliance standards.
5. Advanced risk assessment, analytical, and communication skills.
6. High attention to detail, sound decision-making capabilities, and excellent relationship management and negotiation skills.