Motor Personal Injury Claims Negotiator in Chelmsford

At Pen, we don’t just underwrite risk, we unlock possibility. We’re a dynamic underwriting and distribution business backed by the strength of Gallagher and powered by a belief that every challenge has a solution. Here, agility meets stability. Creativity meets execution. And your career meets real opportunity. At Pen, we champion innovation, value accountability, and thrive on building something better together.

As a Motor Personal Injury Claims Negotiator, you will be responsible for managing an allocated portfolio of Motor Injury claims (including injury, credit hire and damage components) coming out of our Hazardous Goods Vehicles binder. You will handle claims from first notification through to settlement, ensuring timely, fair, and cost-effective resolution in line with regulatory and company standards whilst ensuring the delivery of service excellence.

How you’ll make an impact:

• Manage a caseload of Injury claims, typically up to £100,000 in value but with the potential for the value to exceed £100,000, from FNOL to final settlement.
• Achieve the most economical settlement at the earliest practical time by proactively driving every claim in association with the diary system.
• Investigate, assess, and negotiate claims, ensuring accurate liability decisions and reserving strategies.
• Manage Client and Broker relationships which are key to delivering against our niche offering.
• Ensure reserves are frequently reviewed and amended as necessary.
• Prepare and maintain detailed file notes, referral documents, and case strategies for internal review and audit.
• Identify potential fraud indicators and escalate concerns appropriately.
• Contribute to team performance by meeting service level agreements (SLAs).
• Support continuous improvement by identifying operational inefficiencies and suggesting enhancements to claims processes.
• Identify and pursue all avenues of recovery.
• Appoint panel service providers where necessary and contribute to the monitoring of their performance.
• Keep senior staff informed on individual large losses and claims trends identified.

About You:

• Motor Claims Injury experience.
• Requisite technical knowledge to enable effective handling of personal injury / credit hire / damage claims.
• CII/ACII (or progress towards) or other relevant qualification (law degree, CILEX or equivalent).
• Relevant law relating to Liability classes.
• Principles and practice of insurance.
• Negotiation and settlement skills.
• Verbal communication and telephone skills.
• Relationship building.

Compensation and benefits:

• Minimum of 25 days holiday, plus bank holidays, and the option to ‘buy’ extra days.
• Defined contribution pension scheme, which Gallagher will also contribute to.
• Life insurance, which will pay 4x your basic annual salary.
• Income protection, covering up to 50% of your annual income.
• Health cash plan or Private medical insurance.
• Three fully paid volunteering days per year.
• Employee Stock Purchase plan, offering company shares at a discount.
• Critical illness cover.
• Discounted gym membership.
• Access to a discounted voucher portal.
• Emergency back-up family care.

We value inclusion and diversity. Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organisation. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities.