Technical Credit Hire Negotiator

Haywards Heath or Manchester
£30,000 - £35,000 depending on experience
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.   

Are you skilled in handling complex claims within motor insurance? Here is your chance to shine! We are seeking a highly skilled and motivated Technical Credit Hire Negotiator to join our Third Party team in Salford Quays, Manchester or Haywards Heath, West Sussex.

In your role as a Technical Credit Hire Negotiator you will be handling complex credit hire cases, demonstrating strong technical knowledge to include indemnity validation, liability and reserving with exceptional communication skills. You’ll have a proactive approach in managing a portfolio of complex credit hire claims to ensure we are offering the best outcome for our customers.

Core skills we're looking for to succeed in the role:

Technical claims: Understand the intricacies of credit hire claims, including case law and legislation.

Analytical: As a technical credit hire negotiator , you’ll need to review records, assess risk, and make informed decisions.

Attention to detail: Precision matters in credit hire claims. Pay close attention to documents, calculations, and processes.

Relationship building: Develop strong relationships with clients and colleagues.

We love flexibility and hybrid working - we offer 4 days work from home and just 1 day in the office (after 3 months probation period - subject to your performance) - but if you would prefer to be in the office more, that’s good with us.

If you’re ready to take on an exciting challenge to showcase your negotiation expertise and be an integral part of a thriving team apply now and become our next Technical Credit Hire Negotiator!

What's involved:

  • Proactively record, process and settle claims in accordance with our principles and procedures and to maintain files within our service standards.
  • Own and manage a portfolio, of Complex Credit Hire third party motor claims and associated damage claims, as defined below; within own agreed authority levels.
    • Northern Ireland Claims
    • Taxi Claims
    • Motor Bike claims
    • “Niche” vehicle claims
    • Specific KYO Credit Hire Organisations (CHOs)
    • Initial fraud concern cases, if not retained by Fraud, e.g., ANPR
    • High value/high prestige vehicle claims
    • Claims managed within the Personal Injury Claims Portal
    • Daily rate claims over £200 and over £10k in total
    • Complex immobile/multivehicle claims
  • Ensure that all files are reserved accurately and promptly in accordance with our reserving philosophy (most likely outcome).
  • Be personally responsible for ensuring the reserves fully reflect the level of damages to be paid on each file
  • Ensure liability is agreed within existing case law and accident circumstances using own experience
  • Effectively negotiate, as appropriate, with customers, suppliers and all relevant Third-Party Claim Representatives
  • Process payments on claims files as required and in accordance with your agreed authorities
  • Identify and champion potential fraudulent claims and action as per guideline procedures
  • Participate in peer review audits and as directed provide mentoring and referral support to Claims Operations colleagues
  • Achieve own Quality scores for claims file and call handling
  • As directed to participate in technical audits of third-party suppliers, e.g. Legal Panel.
  • Ensure all continuous improvement ideas are raised via the Team leader or Technical Lead.
  • Adhere to and consider all regulatory requirements at all times, including Consumer Duty, DPA, AML and Anti Bribery principles, and ensure all direct reports are compliant.
  • Compliant with health and safety policies at all times
  • Ensure compliance with company standards/regulations at all times
  • Comply with the requirements, and act in accordance with, the Group Code of Conduct and Fitness and Propriety policies at all times
  • Ensure compliance with Company Policies, Values and guidelines and other relevant standards/ regulations at all times
  • To carry out duties, activities and tasks as directed within the Claims and Fraud pillar to ensure all departments perform effectively and efficiently and meet the demands of First Central’s customers and any third parties. 
  • Any other reasonable duties

Experience & knowledge:

  • Advanced experience of handling all property and credit hire claims including indemnity validation, accurate reserve setting, liability resolution, quantum assessment and settlement techniques
  • Advanced experience of handling third party claims and liaising effectively with different claimant representatives (e,g Credit Hire Organisations, Accident Management Companies, Claimant Solicitors)
  • Advanced knowledge of liability assessment
  • Advanced knowledge of RTA liability and litigation processes and ability to risk assess cases. Good knowledge of RTA/Article 75 and how/ when to apply
  • Excellent knowledge of all appropriate and relevant credit hire case law and the current legal landscape
  • Excellent knowledge of motor claims including all areas of Complex Credit Hire (as listed in Job Responsibilities)
  • A good knowledge of working with a Credit Hire portal
  • Strong knowledge of Scottish and Northern Ireland jurisdiction Complex Credit Hire
  • Experience of undertaking internal colleague file reviews required
  • Experience of “external” auditing preferred
  • Experience of deputising for a Team Leader preferred
  • A good understanding of the Vulnerable Customer policy

Skills & qualifications:

  • Qualified to A level preferred
  • CII qualified or working towards CII preferred
  • Excellent communication skills, both verbal and written
  • Excellent time management and organisation skills
  • Strong negotiation and influencing skills.
  • Good assertive skills
  • An inquiring mind supported by good analytical and critical thinking skills.
  • Reasonable numerical skills.
  • Problem solving skills with the ability to adopt a logical approach to resolving problems
  • Strong customer service skills
  • Good numeracy and literacy skills
  • Computer literate including all Microsoft software
  • Good Continuous Improvement tools and techniques


  • Customer focussed
  • Embrace, embed and incorporate the Company Values
  • Takes initiative to make decisions
  • Emphasis on attention to detail and accuracy
  • Self-motivated and enthusiastic
  • An organised and proactive approach
  • Ability to work on own initiative and equally collaborate with others
  • Strives to drive business improvements

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 appts, 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