Credit Handler

Reporting to the Mitigation Operational Team Leader, the Credit Hire Handler will mitigate indemnity spend of Third Party Credit Hire and Property Damages claims by pro‑actively managing a portfolio of motor claims from allocation through to settlement.

This individual will also monitor claims involving credit hire, ensuring all actions are taken to mitigate our exposure, including identifying cases where we can intervene and settle the third party’s claim direct to reduce overall hire duration.

Location: Liverpool or Sevenoaks with hybrid working

Working hours: 37.5 hours, Monday to Friday from 9am to 5:30pm

Salary: Between £29,133 and £34,047 plus potential annual bonus of up to £2000 paid quarterly

• Validating all motor claims across the mitigation team for indemnity and fraud
• Accurately assessing liability whilst utilising all available evidence and tools
• You will contact all potential Claimants or Representatives in a timely manner to establish our exposure to ongoing hire, ensuring that key information is obtained and updated on the claim file
• Identifying cases where intervening on vehicle losses will reduce our overall exposure, utilising resource of specialist in‑house motor engineers
• Ensuring indemnity spend is minimized by commercial decision making
• Proactive diary management to monitor and progress live hire cases
• Accurate quantum assessment of claims presented using the relevant tools available to assist
• Applying accurate reserves in line with company guidelines
• Any other ad hoc task as the needs of the business dictate

• A persuasive, confident and strong communicator with effective negotiation skills
• Ability to use own initiative to explore all options to achieve the best outcome for the business
• Good understanding of Insurer RTA obligations, credit hire, existing credit hire case law, legal precedent and procedure
• Motivated self‑starter with the ability to work as part of a team

At Acorn Insurance, we’re proud of our Liverpool roots — and even prouder of how far we’ve come. As part of the Acorn Group, we bring over 40 years of specialist insurance expertise to the table. From humble beginnings, we’ve grown into a national leader, now employing 1,700+ people across the UK and reached a milestone £750 million in total value of insurance policies written in 2024.

We’re growing fast, with new opportunities emerging every week. That growth is largely due to the values we share:

🦏 We run through walls for our customers and each other

🐐 We challenge the status quo

🐧 We succeed when we help those around us succeed

🐆 We decide quickly when the smart thing to do is use our judgement

🌴 A maximum of 35 days’ holiday (depending on role and tenure) including bank holidays, with additional buy/sell options

🧠 24/7 mental health support & free counselling available

☝ Grow with us:
Through career fairs, leadership programs, and learning on the go!

💸 Flexible benefits, including early access to salary via our internal platform

🏡 Hybrid working options to support work-life balance and individual needs

Those aren’t just words — they’re the principles we live by. And we’re proud to back them up with real action, earning recognition and accreditation from leading organisations that share our commitment to people and growth:

🧠 Mindful Employer – championing mental health and wellbeing

♿ Disability Confident Level 1 & 2 – creating accessible, inclusive opportunities

🌸 Menopause Friendly accredited – supporting every stage of life

🎖️ Armed Forces Covenant signatory – honouring those who serve

🎖️ Armed Forces Defence employer recognition scheme – Supporting those who serve

🏆 Great Places to Work 2024/25 – fostering an engaging and positive workplace culture

If you’re looking for a company with a strong culture, real career progression, and a people‑first approach — all rooted in the heart of Liverpool — Grow with Acorn.

We’re really excited that you’re considering joining Acorn! To help everything go smoothly, here are a couple of things to keep in mind:

If your application is successful, we will commence…