Claims Handler - Settlements

Claims Handler – Settlements

Salary: From £28,000 - £35,000 (dependent on experience) + annual bonus & benefits.

Work Level: 1, Permanent

Location: Newcastle, hybrid*

Training / Office Attendance: 6 weeks of office‑based training Monday to Friday 09:00‑17:00. After competency, hybrid working possible.

Closing Date: 23/07/2026 at 5pm

At Tesco Insurance, our Claims team helps customers through difficult moments. The Claims Handler – Settlements will proactively manage and settle a portfolio of claims efficiently and economically, ensuring high service standards to customers and stakeholders.

• Ensure claims are handled and settled efficiently and correctly, in line with policy cover and legal liability.
• Handle claim queries regarding policy cover, status, exclusions, and excesses, escalating complex queries when needed.
• Maintain accuracy of reserves, file status, recoveries, and diary management.
• Investigate claims to confirm liability before payments are made.
• Negotiate to control costs, including liability decisions and cost recovery.
• Identify and report potential fraud, taking appropriate action.
• Negotiate settlements with stakeholders and suppliers for fair outcomes.
• Build rapport with customers, using varied communication approaches to manage situations.
• Ensure compliance with FCA and Data Protection regulations.
• Manage customer complaints proactively, escalating serious cases to Team Leader.

• In‑depth knowledge of insurance principles: indemnity, subrogation, vehicle and property damage claims.
• Ability to prioritize and manage caseload independently with good planning and organization.
• Commercial judgement and logical decision‑making for claims decisions.
• Knowledge of vehicle/property damage, key case law, industry protocols, Road Traffic Act.
• Knowledge of motor claims fraud types (fire, theft) and proven investigation skills.
• Robust computer literacy and proficiency navigating IT systems.
• Excellent communication with various stakeholders.
• Ownership of decisions within established authority limits.
• Empathy in difficult situations, maintaining a sensitive and caring approach.
• Strong verbal and written communication, simplifying complex information.
• Proven negotiation skills and solution identification for customers and company.

• Colleague pension scheme to prepare for retirement.
• Virtual GP service for you and family, 365 days a year.
• Performance‑related annual bonus.
• Generous holiday allowance: minimum 7.2 weeks, option to buy more.
• Colleague Clubcard discounts: 10% increasing to 15% each payday, up to £2K; second card for share.
• Family‑oriented initiatives: enhanced maternity leave pay, shared parental leave, 8‑week paid paternity leave.
• Ongoing learning opportunities and award‑winning training.
• Share schemes:
  Buy‑as‑You‑Earn and Save‑as‑You‑Earn.

We welcome all colleagues to be themselves, building an inclusive workplace that values diversity and enriches our service to customers.

Interviews will be held from July.