Making claims can be time consuming and stressful. Allow our claims team to guide and support you through the process, work on your behalf rather than the insurers and complete the case as efficiently as possible.
In line with the requirements under your insurance policy you must notify all incidents occurring which may give rise to a claim.
We have demonstrated that early intervention of the claims process is key to reducing the overall claims cost. Our investigator will make immediate contact and in agreement with you, where necessary, will carry out an investigation and obtain all information which insurers deem relevant should a claim arise at a later stage.
Our ethos is to avoid long tail liability where possible by expediently admitting or denying liability and avoiding costly court cases where settlements could have been made by both parties outside the court system.
Where liability claims are long tail in nature this continues to affect your claims experience and increase your premiums at each renewal until settled. Where claims can be settled in the year in which they are made this reduces the long term impact on your premiums.
We can deliver:
- Immediate attendance
- In depth investigation of all circumstances
- Proactive claims handling
- Reduction in life cycle of claim
- Reduction in claim spend
The key area for reducing costs to the insurers is obtaining the Third Party details and avoiding unnecessary hire and solicitors costs. Our claims investigators are on hand to collect and provide this information to your insurers.
We also recognise that controlling costs means that we ensure your vehicles are back on the road as soon as possible. Our investigator will liaise with both the Third Party and approved repairers to see that vehicles are repaired quickly and at a reasonable repair rate.
We can deliver:
- One point of contact
- Notification to insurer within 24 hours
- Progress own damage claims with insurer
- Investigation when required including locus reports
- Manage TP claims to minimise cost
- Utilise insurer supplier networks
- Reduction in the life cycle of the claim, reducing overall cost
- Make recommendations for early claim resolution
- Provide client with claim guidelines to improve data capture, accident circumstances
- Regular updates on the progress of the claim
Damage to client’s own property is too often the source of many grievances. The ability to repair, reinstate or replace property as quickly as possible is key to letting you continue focusing on your own business.
Loss adjuster contractor networks are often increasing costs unnecessarily as there is no competitive tender and their privileged position means deadlines and quality of work is not always up to the standard we would expect for our clients.
We can deliver:
- Immediate response
- Emergency repairs
- Access to network of quality approved supply chain
- Preparation and claim submission
- Constant support throughout claim process
- Liaison with insurers
- Prompt and accurate settlement
We work across all industries taking a pragmatic and robust approach to the claims process from cradle to grave.
We work across all industries, taking a pragmatic and robust approach to the claims process from cradle to grave. We know how insurers operate and our aim is to make sure you are represented at every exchange with insurers. We know the right questions to ask and what information needs to be disclosed.
We know how to use the information to settle your claim as swiftly as possible and ensure that your policy delivers exactly what you are entitled to.
- Claim quantification and preparation
- Expedite interim payments to protect cash flow
- Technical advice at all aspects of the claim process
- Advice on policy cover
- Review of claim submission
- Quantum negotiation
- Project management
- Advice on Loss mitigation
- Risk management to prevent reoccurrence
Claims should not be taken for granted. Each and every claim should be investigated and challenged where applicable. By controlling claims costs, your insurance premiums may be reduced and you become a more attractive risk to insurers.
Our claims handlers deal with 100 claims per month from multi-million pound property losses, industrial injuries including fatalities to high net worth losses and motor incidents.
By controlling claims costs, your insurance premiums may be reduced and you become a more attractive risk to insurers. Claims should not be taken for granted. Each and every claim should be investigated and challenged where applicable.
How Can Claims Defensibility Help You
The claims defensibility process identifies the common claims brought against an organisation and provides that organisation with guidance to reduce the number and severity of future claims. Combined with other risk management strategies, claims defensibility helps organisations establish a process focused on eliminating or reducing claims before they happen rather than mitigating them after the fact.
Conducting a claims defensibility audit in your organisation can help you recognise:
- Incidents that can be defended, either completely or partially
- Fraudulent claims
- Exaggerated or exacerbated incidents
- Valid claims with controllable impact
Ineffective claims management may overlook these incidents that lead to unnecessary or overstated claims. This creates a negative cycle in which your organisation is unable to attack the root causes of claims and can only manage claims after they happen.
If you do not investigate claims that your company receives, you may be unwittingly subjected to the same preventable claim over and over. This often results in high payouts, increased legal costs or a potentially tarnished reputation.
A ‘Claims Audit’ is a review of how your current external supplier and internal resource are handling claims. A lack of proactivity, especially with third party injury claims, can be easily exploited, resulting in an escalation of costs to your business. It is therefore crucial to stay on top of claims and regular reviews of suppliers and internal resource can ensure the process is working like it should.
We will carry out an impartial and independent examination into your claims.
To find out more about our Services please contact our Hull office on +44 (0) 148 257 9500 or our Leeds office on +44 (0) 113 244 2288, or fill out the form below: