The insurance industry continues to expand rapidly, creating a strong demand for skilled professionals who can manage, assess, and settle claims efficiently. As a result, insurance claims jobs have become one of the most stable and rewarding career paths in the financial and risk management sectors. Whether you are a recent graduate or an experienced professional looking for a career change, the claims field offers excellent opportunities, competitive salaries, and long-term career growth.

What Are Insurance Claims Jobs?

Insurance claims jobs involve handling the process that takes place after a policyholder reports a loss. Claims professionals review the claim, gather evidence, decide coverage, and ensure the customer receives a fair settlement based on the policy terms. These jobs exist across multiple insurance sectors, including:

• Motor insurance
• Home and property insurance
• Travel insurance
• Life and health insurance
• Commercial and liability insurance
• Specialist and high-value claims

Each area requires a slightly different set of skills, allowing professionals to choose the path that best matches their strengths and interests.

Types of Insurance Claims Jobs

The industry offers a wide range of roles, including:

1. Claims Handler / Claims Advisor

Responsible for managing claims from start to finish—communicating with customers, reviewing documents, assessing liability, and arranging settlements.

2. Claims Adjuster / Loss Adjuster

A field-based role where professionals investigate claims on-site, assess damage, and provide detailed reports to insurers.

3. Claims Investigator

Handles suspicious or high-risk claims to detect fraud and ensure compliance with legal and company guidelines.

4. Senior or Technical Claims Specialist

Focuses on complex claims requiring advanced expertise, negotiation skills, and deeper knowledge of policy wording.

5. Claims Manager

Oversees teams of handlers, ensures quality control, manages performance, and enhances the claims process.

These roles allow individuals to specialise, grow, and transition into leadership or technical positions.

Skills Required for Insurance Claims Jobs

To succeed in insurance claims jobs, candidates should possess a mix of technical knowledge and soft skills. Key skills include:

• Excellent communication and customer service abilities
• Strong decision-making and analytical thinking
• Ability to interpret policy documents
• Good negotiation skills
• Time management and multitasking
• Attention to detail and accuracy
• Ability to stay calm during challenging situations
• Basic understanding of insurance principles

With digital transformation on the rise, familiarity with claims software and automation tools is becoming increasingly important.

Qualifications and Entry Requirements

Many entry-level claims jobs do not require a degree, making this career path accessible to a wide range of candidates. However, the following qualifications can be beneficial:

• GCSEs or A-Levels (for junior roles)
• Bachelor’s degree in business, finance, law, or risk management
• Chartered Insurance Institute (CII) certifications such as Cert CII, Dip CII
• Experience in customer service, administration, or call centre environments

Most insurers offer comprehensive training programmes, enabling new employees to learn on the job and progress quickly.

Typical Responsibilities in Insurance Claims Jobs

Daily tasks may include:

• Speaking with policyholders about their claims
• Collecting and reviewing evidence
• Coordinating with repair companies, contractors, or medical professionals
• Assessing the validity and value of claims
• Checking details against policy wording
• Making settlement decisions
• Updating claim records
• Working with loss adjusters, investigators, and external agencies

The work is fast-paced, rewarding, and ideal for those who enjoy problem-solving and helping customers.

Salary Expectations

Salaries in the insurance claims sector vary depending on experience, location, and the type of claims handled. On average:

• Entry-level claims handler: £20,000 – £26,000 per year
• Experienced claims professional: £28,000 – £40,000 per year
• Loss adjusters: £35,000 – £60,000+
• Senior or technical specialists: £45,000 – £70,000+

Many employers also offer bonuses, flexible working, hybrid roles, and training support.

Career Progression in the Insurance Claims Field

One of the biggest advantages of working in insurance claims is the structured career progression. Professionals can advance into:

• Technical or specialist claims roles
• Loss adjusting
• Underwriting
• Risk management
• Fraud investigation
• Team leadership or management positions

The industry supports continuous professional development, making it possible to build a long-term, well-paid career.

Why Choose a Career in Insurance Claims?

There are several reasons why insurance claims jobs are becoming increasingly popular:

✔ Strong job security

The insurance sector is stable and essential, ensuring consistent demand for claims professionals.

✔ Diverse opportunities

Roles exist across multiple industries and claim types, from motor to commercial.

✔ Accessible entry routes

Many positions require no prior experience and offer full training.

✔ Opportunity to make an impact

You play a key role in helping people recover after unexpected events.

Conclusion

Insurance claims jobs offer a dynamic, stable, and rewarding career path for individuals who enjoy communication, investigation, and problem-solving. With excellent training, strong earning potential, and clear progression routes, this field provides long-term professional growth. Whether you’re just starting your career or looking for a new challenge, exploring insurance claims roles can open the door to a successful future.