About Company
For over a century, NFU Mutual has been a cornerstone of the UK’s insurance landscape, deeply committed to supporting the rural community and beyond. Rooted in strong values of trust, honesty, and exceptional service, we pride ourselves on building lasting relationships with our members. With a nationwide network of agencies and a reputation for fair and prompt claims handling, we offer a stable, supportive, and rewarding environment for our colleagues. Joining NFU Mutual means becoming part of an organisation that genuinely cares for its people and its customers, striving for excellence in every interaction and safeguarding what matters most to millions.
Job Description
Are you a meticulous and empathetic individual with a keen eye for detail and a passion for fair outcomes? NFU Mutual is seeking a dedicated Claims Adjuster specializing in Review & Approvals to join our esteemed team in West Kirby. In this critical role, you will be at the heart of our commitment to member satisfaction, ensuring that all claims are handled with integrity, accuracy, and efficiency.
As a Claims Adjuster – Review & Approvals, you will be responsible for the thorough assessment, investigation, and ultimate approval or denial of insurance claims across various lines of business, including property, motor, and liability. This isn’t just about processing paperwork; it’s about understanding complex situations, applying policy terms with precision, and communicating decisions clearly and compassionately to our members. You will delve into claim documentation, collaborate with internal and external experts (such as loss adjusters, solicitors, and repair networks), and make informed judgments that uphold our promise to our policyholders.
Your day will involve reviewing submitted evidence, conducting detailed analysis of policy coverage, and ensuring compliance with all regulatory requirements. You’ll be the expert who provides final authorization for settlements, ensuring they are equitable for our members while adhering to company guidelines and financial prudence. This role requires a blend of analytical prowess, strong decision-making skills, and the ability to manage a diverse caseload effectively. You will play a pivotal role in maintaining NFU Mutual’s reputation for outstanding claims service, making a tangible difference in our members’ lives during challenging times. We are looking for someone who thrives in a collaborative environment, is committed to continuous learning, and takes pride in delivering exceptional service with every claim reviewed.
Key Responsibilities
- Conduct comprehensive reviews of submitted insurance claims, verifying accuracy, completeness, and adherence to policy terms.
- Evaluate claim liability and quantum, utilizing established guidelines, industry best practices, and relevant legal frameworks.
- Authorize claim settlements within defined authority limits, ensuring fair and timely resolution for policyholders.
- Identify and investigate suspicious or complex claims, collaborating with fraud investigation units and external experts as required.
- Communicate claim decisions, explanations of benefits, and next steps clearly and empathetically to policyholders and relevant third parties.
- Maintain accurate and detailed claims records, ensuring compliance with regulatory and internal audit requirements.
- Collaborate effectively with underwriters, claims handlers, and other departments to ensure seamless service delivery.
- Contribute to continuous improvement initiatives within the claims department, identifying opportunities for process enhancements.
Required Skills
- Proven experience as a Claims Adjuster or in a similar claims handling role within the insurance industry.
- Strong analytical and critical thinking skills with the ability to interpret complex policy wordings and legal documents.
- Exceptional attention to detail and accuracy in all aspects of claims review and documentation.
- Excellent written and verbal communication skills, capable of explaining complex information clearly and concisely.
- Demonstrated ability to make sound, independent decisions under pressure.
- Proficiency in insurance claims management software and standard office applications (e.g., Microsoft Office Suite).
- A strong understanding of general insurance principles and regulatory compliance.
Preferred Qualifications
- ACII (Associate of the Chartered Insurance Institute) qualification or working towards it.
- Experience with specific lines of business relevant to NFU Mutual (e.g., agricultural, rural property).
- Prior experience in a claims review, audit, or approval capacity.
- A degree in Law, Business, Finance, or a related field.
Perks & Benefits
- Competitive salary and performance-related bonus scheme.
- Generous pension scheme with employer contributions.
- 25 days annual leave plus bank holidays, with options to buy/sell extra days.
- Comprehensive private medical insurance.
- Life assurance and income protection benefits.
- Access to exclusive employee discounts and rewards program.
- Ongoing professional development opportunities and support for industry qualifications (e.g., ACII).
- A supportive and inclusive work environment with a strong focus on wellbeing.
- On-site parking.
How to Apply
Interested candidates are encouraged to apply by clicking the application link below. Please ensure your CV and cover letter highlight your relevant experience and qualifications for this role. We look forward to reviewing your application.