Senior Motor Claims Specialist

Job Title: Senior Motor Claims Specialist

Location: UAE (Remote)

Employment Type: Full-Time

Level: Senior

Work Arrangement: Fully Remote

About Us

We are seeking an experienced and detail-oriented Senior Motor Claims Specialist to manage and assess motor insurance claims, oversee complex cases, and ensure accurate, timely, and compliant claims settlements. The successful candidate will have strong expertise in motor insurance policy interpretation, accident assessment, repair cost evaluation, liability determination, and claims negotiation.

This role requires close coordination with policyholders, garages, surveyors, brokers, insurers, and other stakeholders to deliver efficient claims resolution while maintaining high standards of customer service, fraud prevention, and regulatory compliance.

Key Responsibilities

• Motor Claims Assessment: Review and process motor insurance claims involving vehicle damage, accidents, theft, third-party property damage, and other covered losses.
• Coverage Verification: Validate policy status, insured vehicle details, coverage limits, deductibles, exclusions, endorsements, and applicable policy conditions.
• Accident and Liability Assessment: Review accident reports, police documentation, photographs, witness statements, and other evidence to establish claim circumstances and determine liability in accordance with applicable procedures.
• Repair Cost Evaluation: Assess repair estimates, garage quotations, replacement parts, labor charges, and vehicle damage reports to ensure reasonable and appropriate repair costs.
• Vehicle Inspection Coordination: Liaise with loss adjusters, surveyors, assessors, and approved garages to arrange inspections, evaluate damage, and validate repair recommendations.
• Total Loss Assessment: Evaluate total loss cases, vehicle market values, salvage values, and settlement calculations in accordance with policy terms and applicable guidelines.
• Third-Party Claims: Manage third-party property damage claims, coordinate liability assessments, and support recovery actions where applicable.
• Claims Negotiation: Negotiate repair costs, settlement amounts, and disputed claims with garages, claimants, brokers, and other relevant parties.
• Claims Investigation: Identify potential fraud indicators, exaggerated repair costs, inconsistent accident details, duplicate submissions, and suspicious claim patterns for further investigation.
• Claims Settlement: Calculate approved settlement amounts, apply deductibles and policy limits, verify supporting documentation, and coordinate timely payment processing.
• Regulatory Compliance: Ensure claims handling aligns with applicable UAE motor insurance regulations, policy requirements, internal procedures, and data protection standards.
• Customer Communication: Respond to policyholder inquiries, explain claim decisions, provide status updates, and manage complaints professionally and efficiently.
• Recovery and Subrogation: Coordinate recovery opportunities with relevant insurers, third parties, and legal teams where contractual and legal grounds permit.
• Claims Reconciliation: Review outstanding claims, settlement records, repair invoices, recovery balances, and payment discrepancies.
• Reporting and Analysis: Prepare claims reports, monitor loss trends, analyze repair costs, and identify opportunities to improve claims performance.
• Quality Assurance: Review complex claims decisions, maintain accurate case records, and support consistent application of claims procedures.
• Process Improvement: Recommend improvements to claims workflows, digital claims processing, fraud detection controls, and service delivery.
• Team Support: Provide technical guidance to junior claims specialists and assist with escalated, high-value, or disputed cases.

Qualifications and Experience

• Bachelor's degree in Insurance, Business Administration, Finance, Automotive Engineering, Risk Management, or a related discipline.
• Typically 5+ years of experience in motor insurance claims, automotive damage assessment, claims investigation, or general insurance operations.
• Strong knowledge of motor insurance products, policy wording, exclusions, deductibles, liability assessment, and settlement procedures.
• Practical experience handling own-damage, third-party liability, theft, total loss, and disputed motor claims.
• Familiarity with vehicle repair estimates, parts pricing, labor costs, depreciation, salvage valuation, and market value assessment.
• Understanding of UAE motor insurance regulations, accident reporting procedures, and local claims settlement practices.
• Experience coordinating with garages, vehicle assessors, loss adjusters, brokers, repair networks, and external service providers.
• Knowledge of fraud indicators, claims investigation techniques, recovery processes, and subrogation principles.
• Proficiency in Microsoft Excel and familiarity with motor claims management platforms, policy administration systems, and digital assessment tools.
• Strong analytical, negotiation, and problem-solving skills, with excellent attention to detail.
• Excellent written and verbal communication skills and the ability to manage sensitive customer interactions.
• Ability to assess complex claims objectively and make well-supported decisions within delegated authority.
• Strong organizational skills and the ability to manage multiple claims, competing priorities, and strict deadlines.
• Relevant professional qualifications in insurance claims, loss adjusting, or automotive assessment are an advantage.

Key Performance Indicators (KPIs)

Performance will be assessed using relevant claims quality, financial, and service metrics, including:

• Claims Processing Accuracy: Percentage of claims assessed and processed correctly in accordance with policy terms and internal procedures.
• Claims Turnaround Time: Percentage of claims resolved within established service-level agreements.
• Settlement Accuracy: Accuracy of repair cost evaluations, total loss calculations, deductibles, and approved settlement amounts.
• Claims Cost Management: Effectiveness in controlling avoidable repair costs and ensuring fair, evidence-based settlements.
• Fraud Detection and Escalation: Timely identification and appropriate referral of suspicious or potentially fraudulent claims.
• Customer Satisfaction: Quality of communication, complaint handling, and overall claims service.
• Recovery Performance: Timeliness and effectiveness of eligible third-party recoveries and subrogation activities.
• Documentation Quality: Completeness and accuracy of accident reports, assessments, invoices, photographs, and claim records.
• Outstanding Claims Management: Effectiveness in reducing overdue cases and resolving claims-related bottlenecks.
• Compliance Performance: Adherence to regulatory requirements, policy conditions, delegated authority, and internal controls.
• Quality Assurance Results: Performance against claims file reviews, audit findings, and corrective action requirements.
• Process Improvement: Contribution to reduced processing delays, fewer errors, and improved claims efficiency.

What We Offer

• Competitive compensation based on experience, qualifications, and technical expertise.
• Fully remote working arrangement.
• Opportunity to manage a diverse portfolio of motor insurance claims.
• Professional development opportunities in claims management, vehicle damage assessment, and insurance risk control.
• Collaborative working environment involving underwriting, repair networks, customer service, compliance, and recovery teams.
• Opportunities to contribute to fraud prevention, claims cost optimization, and operational improvement.
• A professional environment that values accuracy, accountability, integrity, and customer-focused service.

How to Apply

Interested candidates are invited to submit an updated CV highlighting their experience in motor insurance claims, vehicle damage assessment, liability determination, claims investigation, and settlement negotiation.

Please include details of relevant claims systems, experience with UAE motor insurance requirements, and examples of successfully resolving complex claims or improving claims processing efficiency.

Email Subject Line: Application – Senior Motor Claims Specialist (UAE Remote)

• We welcome applications from qualified professionals who demonstrate strong technical knowledge, sound judgment, and a commitment to fair, accurate, and timely motor claims resolution.