Insurance Claims Settler Careers

How to become insurance claims settler

What does an insurance claims settler do?

Insurance claims settlers, also known as claims handlers, adjusters, administrators or assessors, are either insurance technicians or graduate trainees specialising in claims. They deal with the payment of claims to policyholders who have suffered loss or misfortune. Insurance claims settlers also:

  • issue claim forms to customers
  • check details of claims
  • make sure that the premiums have been paid and that the policy covers the claim
  • inform clients if the claim will affect the terms of their policy or their premiums in the future
  • gather further information when necessary, such as receipts or photographs of property or jewellers’ valuations
  • arrange payments where claims are straightforward and within set financial limits.

Where claims are for an amount above a set limit or where they are not straightforward, for example if there is some doubt about them or a suspicion of fraud, they pass the claim on to a claims manager.


What's the working environment like for an insurance claims settler?

The normal working hours are 9am to 5pm, Monday to Friday.

Claims settlers are usually office based. In the case of major disasters such as floods, they may set up an office near to the site of the incident to deal with claimants personally. In these situations they may work outside normal hours and may have to stay away from home.

What does it take to become an insurance claims settler?

As a claims settler you should:

  • be an excellent communicator to deal with clients in person and on the telephone
  • be able to deal with all types of people, some of whom are going through distressing circumstances
  • be able to handle angry or aggressive clients calmly and assertively
  • be attentive to detail, to check facts and gather information for reports
  • possess good written communication skills for producing reports
  • be efficient so that claims are paid promptly and be able to work well under pressure
  • have good keyboard skills as much of the work done is on a computer.

Although there are no set requirements to get in to this line of work it is advised that you have good GCSE's in English, maths and IT knowledge. Prior customer service experience will also come in useful.

There is the possibility to get this job through an apprenticeship, however you can also join a firm's graduate training scheme if you have the required A Levels and work experience, or a relevant degree.


Insurance claims settler career opportunities

After some years’ experience of claims work, claims settlers can move on to become claims managers.They are likely to continue their studies and become associate members of the CII or IFS. See Insurance Claims Manager for further details.

As claims settlers build up their experience in an insurance environment, it is possible for them to make sideways moves into loss adjusting, broking or sales. See Insurance Loss Adjuster, Insurance Broker and Insurance Broker Consultant for further details.

Further information

If you would like to learn more about becoming an insurance claims settler that does not appear on Hotcourses, further information can be found below.

Financial Services Skills Council (FSSC)
51 Gresham Street
Tel: 020 7216 7366

Chartered Insurance Institute (CII)
20 Aldermanbury
Tel: 020 8989 8464

Institute of Financial Services (IFS)
IFS House
4-9 Burgate Lane
Tel: 01227 818609

Chartered Institute of Loss Adjusters
Peninsular House
36 Monument Street
Tel: 020 7337 9960

Financial Services Authority (FSA)
25 The North Colonnade
Canary Wharf
E14 5HS
Tel: 020 7066 1000

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