About DUAL

Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That’s how we have become one of the world’s largest international underwriting agencies (or MGAs) with US$3.4bn GWP.

DUAL is part of Howden, a leading global insurance group with employee ownership at its heart. Founded in 1994, it provides insurance, reinsurance and underwriting services to clients ranging from private individuals to the largest multinational companies. The Group operates in 57 countries, employs over 24,000 people and manages premiums totalling US$50bn on behalf of its clients.

An opportunity to work within KGM's large loss motor team, handling high value RTA claims.

Responsibilities:

• Managing a caseload of complex personal injury claims in accordance with claims handling procedures and service levels.

• To assess indemnity, liability and quantum on claims, ensuring that each claim is investigated thoroughly with due regard given to the circumstances of an individual case.
• Controlling claim cost by achieving most economical settlement, through good use of liability and quantum arguments and effective negotiation.

• Maintaining good file discipline and accurate reserves, together with an effective diary system which ensures that cases are reviewed on a regular basis and handled in a timely manner aligned to SLAs &/or any Court timetable.

• Attendance at trials and conferences with Counsel where appropriate.

• Adherence to and engagement with Reinsurers and all associated Large Loss procedures.

• Ensuring compliance with all regulatory requirements including Treating Customers Fairly.

• Pro-actively managing personal training and development requirements.

• To build strong working relationships with suppliers.
• To maintain a high degree of technical knowledge and to keep abreast of market and legal updates.

Skills and Responsibilities:

• Strong and current working knowledge of personal injury claims with a handling experience in serious injury, traumatic brain injury, serious spinal injuries and amputation.

• Strong technical knowledge and application of Discount Rate, extensive care claims and any other heads of claim applying to serious/catastrophic injury claims.

• Good knowledge of medical disciplines required in investigating personal injury claims at all levels of severity.
• Sound knowledge of company products and policy wordings.
• Solid understanding of the Civil Procedure Rules and the Personal Injury Portal process.
• Knowledge of current, relevant Case Law.

• Good market knowledge and commercial awareness

• Able to demonstrate an understanding and application of claims negotiation, liability decision making and cost potential.

• An excellent communicator, capable of influencing and asserting opinion at all levels.

• Excellent telephone, written, verbal communication and formal presentation skills.

• Exemplary planning and organisational skills.

• A high degree of drive and commitment and the ability to demonstrate a highly professional work ethic.

• Ability to manage and prioritise own workloads.

• Willingness to develop self and new skills.

• Ability to work with flexibility in a proactive claims environment.

Behaviours:

• Fast – we act with pace and accountability: make decisions and follow through, respond promptly and clearly to colleagues, customers and third parties, and use meetings well and come prepared.
• Friendly – we build positive, respectful and constructive relationships with colleagues, customers and external partners: be approachable and inclusive, treat everyone fairly and with empathy, challenge ideas respectfully, and stay professional in how we speak, act and treat each other.
• Flexible – we adapt and work together with colleagues and external partners to find practical solutions, respond to changing business and customer needs, help across team boundaries and focus on outcomes.
• Future Ready – we build the standards, skills and mindset needed for future success: represent Personal Lines positively, both internally and externally, keep learning and improving, and hold standards, even when it is easier not to.

What do we offer in return?

A career that you define.

Of course, we offer a competitive range of rewards and benefits to support you, but we know you expect all that.

What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.
 
Our culture: people first

Our core values dictate how we live and work. We’re a group with independence and people at its heart – and a home for talent with a unique culture: the biggest small company in the world.

Being a people-first business has always been central to who we are. Our vision was to create an independent organisation with a distinctive culture that would survive and thrive through the people who shape it. Finding the most talented and entrepreneurial individuals to join the group has been, and will continue to be, key to our success.

Diversity and inclusion

At DUAL, our people are our greatest strength. We are committed to building an open and inclusive culture where everyone feels trusted and that they belong. We work to ensure all candidates, employees, clients and business partners are treated with fairness and respect.

We want every candidate to be able to bring their best to the recruitment process, so if you require reasonable accommodation at any stage, please let us know and we will work with you to provide appropriate support.