Large Loss Claims Handler

Haywards Heath or Manchester
Competitive plus excellent company benefits
Customer & Operations
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We’re First Central Insurance & Technology Group (First Central for short), an innovative, market-leading insurance company. We protect the things customers love so they can get on with what matters to them in life. 

Data drives us. It fuels our outstanding distribution, finance, technology and legal services. Our underwriting skills are built on data expertise; it creates the insights we need to give the right cover to the right customers at the right price. But, it’s the people inside and outside our business that power us. They make us stand out, help us succeed. We’re ambitious. We’re growing. We’ve won awards.   

We need an experienced Large Loss Claims Handler to join our Large Loss Claims team in either Salford Quays, Manchester or Haywards Heath, West Sussex.

The successful applicant will report to our Head of Large Loss and pro-actively manage a caseload of new and existing catastrophic personal injury claims potentially exceeding £1 million+ and involving claims of the upmost severity. This will include spinal cord injuries, brain injuries and limb amputation. Your day to day duties will involve working closely with other departmental colleagues, external solicitors and stakeholders with an ultimate goal of settling significant complex and sensitive claims in a timely and professional manner.

You will be joining a valuable and busy department in our business. You should be a team player, able to use your own initiative and plan your workload independently whilst collaborating widely with internal and external stakeholders to deliver an outstanding service to the Insurer, Reinsurers and our Customers.

Hybrid working available to include 1 day a week in the office and 4 days from home depending on business requirements. This is a Monday to Friday role 9am to 5pm joining a valuable and busy team in our business.

It’s all about You. Here’s a taste of the benefits you’ll enjoy …

  • Competitive starting salary plus fantastic benefits (See further down the advert on our company benefits)
  • Annual Discretionary company bonus scheme
  • Private Bupa Medical Insurance cover
  • Hybrid working available for a valuable work life balance
  • Flexible working
  • A professional, energetic and lively working environment where each day is different

Job responsibilities:

  • Manage a range of catastrophic personal injury claims from the outset to a conclusion
  • Being fully conversant with the relevant sections of the Civil Procedure Rules, Personal Injury Pre action Protocol, Rehabilitation Code, the Road Traffic Act and the implications of being RTA/ART75 insurer to include litigation
  • Liaise closely with the Head of Large Loss to ensure that the reserves fully reflect the anticipated level of damages and costs on each large loss claim
  • Build and maintain relationships with reinsurers, panel solicitors, and other stakeholders to each claim
  • Process payments on claims files in accordance with your authorities and to undertake payment authorisations
  • Ensuring that all your allocated claims files are reserved accurately and promptly and in accordance with our reserving philosophy
  • Maintain your own diary within SLA and KPI’S and undertake regular file reviews to ensure effective and timely settlement of all claims
  • Identify potential fraudulent claims and action as per company guidelines
  • Handling litigated cases in accordance with procedural requirements
  • To provide a point of technical referral to junior employees
  • Assist the delivery of our claims business plan and income targets
  • Deputise workloads during team absence  
  • Constantly improve your understanding of technical issues in your specialist area
  • Work closely with other teams and departments to ensure consistency, best practice and compliance
  • Any other reasonable duties as required

Experience & knowledge:

  • Extensive motor claims experience at a senior level within financial services / motor insurance
  • Proven track record in handling large loss personal injury claims in excess of £500,000 including catastrophic reinsurance claims in excess of £1,000,000
  • Excellent understanding of all aspects of motor claims, including personal injury, reinsurance and relevant legislation
  • Knowledge of FCA requirements (including TCF) and the regulatory framework relating to claims
  • Solid working knowledge of the Civil Procedure Rules, Personal Injury Pre action Protocol, Rehabilitation Code, the Road Traffic Act and the implications of being RTA/ART75 insurer.
  • Good commercial awareness and sound understanding of tactics surrounding the negotiation and litigation of claims
  • Good understanding of wider business objectives and operational requirements

Skills & Qualifications:

  • Excellent communication skills, both verbal and written
  • Good time management and organisation skills with the ability to prioritise work
  • Problem solving skills with the ability to adopt a logical approach to resolving problems
  • Strong customer service skills
  • Good data and statistical analysis skills
  • Negotiation and influencing skills
  • Computer literate

What can we do for you?

People first. Always. We’re passionate about our colleagues and know the best people deserve an extraordinary working environment. We owe it to them so that’s what we offer. Our workplaces are energetic, inspirational, supportive. To get a taste of the advantages you’ll enjoy, take a look at all our perks in full here. 

Intrigued? Our Talent team can tell you everything you need to know about what we want and what we’re offering, so feel free to get in touch.

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86% of people would recommend a friend to work at First Central

Based on 164 Glassdoor reviews (March 2022)


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Simply Health Cash Plan

Simply Health Cash plan. Reclaim the cost of your eye tests, dental, physiotherapy and more

Flexible Bank Holidays

Eight flexible bank holidays; you can choose which festivals you observe


We’re passionate about it. Everyone gets a paid day off annually to volunteer

Electric Car Scheme

Plug into our Electric Car Scheme for a deal with insurance, road tax and servicing

Flexible Working

We’re flexible; most roles let you mix office and home working. We work fluidly around core hours

Your Time in Need

Your Time in Need: five days’ leave so you can deal with life stuff. We’ll support you