1. Introduction: What is a Claims Handler?
A Claims Handler plays a crucial role in the insurance industry, acting as the link between insurance companies and policyholders during the claims process. Whether it’s a car accident, property damage, or a personal injury claim, claims handlers ensure that every case is handled efficiently, fairly, and within policy guidelines.
With the growing need for insurance services worldwide, claims handler jobs offer a stable and rewarding career path.
2. What Does a Claims Handler Do?
A claims handler manages insurance claims from initial report to final settlement. Their goal is to assess the claim, investigate its validity, and process payments in accordance with the insurance policy.
Key Responsibilities:
Reviewing claim forms and supporting documents
Communicating with policyholders, witnesses, and third parties
Investigating circumstances of the claim
Liaising with experts (e.g. repairers, surveyors, or medical professionals)
Calculating and approving payments or settlements
Ensuring claims are compliant with legal and internal standards
Identifying and reporting fraudulent activity
3. Types of Claims Handler Jobs
The field offers a range of specialized claims handler roles, including:
Motor Claims Handler – Deals with auto insurance claims
Property Claims Handler – Manages home or commercial property damage
Health Claims Handler – Handles medical and health insurance cases
Travel Claims Handler – Assesses travel-related incidents
Liability Claims Handler – Deals with third-party or business liability cases
Each role may vary in terms of complexity, required knowledge, and the types of claims handled.
4. Key Skills and Attributes for Claims Handlers
To excel in a claims handler job, you’ll need a combination of technical and soft skills:
✅ Strong communication and negotiation skills
✅ Analytical thinking and attention to detail
✅ Empathy and patience when dealing with distressed clients
✅ Knowledge of insurance policies and procedures
✅ Time management and multitasking abilities
✅ IT proficiency and familiarity with claims software
5. Education and Qualifications
While there’s no fixed degree requirement, employers often look for:
GCSEs/A-Levels or equivalent (UK)
Bachelor’s degree in business, finance, law, or insurance (preferred)
On-the-job training for entry-level positions
Professional qualifications such as:
CII (Chartered Insurance Institute) certifications (UK)
Associate in Claims (AIC) (US)
ANZIIF certifications (Australia/New Zealand)
6. Career Path and Progression
Claims handler careers offer clear paths for advancement. With experience and additional training, you could progress to:
Senior Claims Handler
Claims Team Leader or Manager
Loss Adjuster
Underwriter
Fraud Investigator
Claims Consultant or Technical Specialist
Many professionals also branch out into legal, risk management, or customer service leadership roles.
7. Average Salary and Job Outlook
UK: £22,000–£35,000 for entry to mid-level roles; £40,000+ for senior positions
US: $45,000–$70,000 depending on specialization and experience
Australia: AUD $55,000–$85,000+
The demand for skilled claims handlers remains strong, especially in sectors like health, motor, and property insurance.
8. Why Consider a Career as a Claims Handler?
? High Job Security in a stable and growing industry
? Diverse Work across various sectors and claim types
? People-Centered Role helping customers through stressful times
? Career Growth Potential through certifications and promotions
? Global Opportunities with multinational insurers and remote roles
9. Where to Find Claims Handler Jobs
You can find claims handler vacancies on:
General job boards: Indeed, LinkedIn, Glassdoor
Insurance-specific sites: InsuranceJobs, CII Jobs, JobsInRisk
Company career portals: Aviva, Allianz, AXA, Zurich, RSA, etc.
Recruitment agencies specializing in finance or insurance roles
10. Final Thoughts: Is a Claims Handler Job Right for You?
If you're detail-oriented, great with people, and interested in a career where you can make a real difference, claims handler jobs offer a dynamic, respected, and rewarding path. With steady demand across industries and plenty of room to grow, it’s an excellent choice for both new entrants and experienced professionals.
