Senior Motor Claims Specialist

Job Title: Senior Motor Claims Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

We are seeking an experienced Senior Motor Claims Specialist to manage and assess motor insurance claims, coordinate claim investigations, and support accurate and timely settlement decisions. The successful candidate will review accident reports, policy documentation, repair estimates, photographs, and other supporting evidence to determine coverage, liability, and appropriate claim outcomes.

This fully remote role requires strong knowledge of motor insurance policies, claims assessment, vehicle damage evaluation, liability analysis, and claims administration. You will collaborate with policyholders, brokers, repair networks, loss adjusters, investigators, insurers, and internal departments to ensure claims are handled efficiently, fairly, and in accordance with applicable regulations.

Key Responsibilities

• Review, assess, and manage motor insurance claims from initial notification through to resolution.
• Verify policy coverage, policy validity, insured vehicle details, applicable excesses, and relevant exclusions.
• Evaluate accident reports, police documentation, photographs, repair estimates, invoices, and supporting evidence.
• Assess vehicle damage documentation and review repair cost estimates for accuracy and reasonableness.
• Coordinate with authorized vehicle assessors, surveyors, repair workshops, and loss adjusters.
• Review third-party property damage and bodily injury claim documentation.
• Support liability assessments by reviewing available accident evidence and relevant policy provisions.
• Investigate disputed, complex, high-value, and potentially fraudulent motor claims.
• Identify inconsistencies, duplicate submissions, suspicious accident circumstances, and potential claims inflation.
• Coordinate with claims investigators and other authorized professionals when additional verification is required.
• Review total loss, partial loss, theft, fire, and accidental damage claims.
• Assess salvage documentation, vehicle valuation reports, and applicable settlement calculations.
• Coordinate with finance teams and authorized claims approvers on settlement preparation and payment status.
• Monitor claims turnaround times and ensure cases progress within agreed service-level standards.
• Handle escalated policyholder, broker, and third-party queries professionally.
• Maintain accurate claims files, assessment notes, correspondence, and supporting evidence.
• Prepare claims reports, reserve updates, settlement summaries, and management information.
• Conduct claims quality reviews and identify opportunities to improve assessment consistency.
• Support internal audits, regulatory reviews, and claims process evaluations.
• Monitor changes in motor insurance regulations, repair practices, and claims handling standards.
• Recommend improvements to claims workflows, documentation requirements, and fraud prevention controls.

Qualifications and Experience

• Bachelor's degree in Insurance, Automotive Engineering, Business Administration, Risk Management, Finance, or a related discipline.
• Significant experience in motor insurance claims, motor loss adjusting support, or general insurance operations.
• Strong understanding of motor insurance policy structures, coverage conditions, exclusions, and settlement procedures.
• Experience reviewing vehicle damage assessments, repair estimates, accident reports, and claims documentation.
• Knowledge of third-party liability, own-damage, theft, fire, and total loss claims.
• Understanding of vehicle valuation, depreciation, salvage assessment, and repair cost calculations.
• Familiarity with claims investigation procedures and common indicators of motor insurance fraud.
• Ability to interpret accident evidence and support liability assessment processes.
• Knowledge of motor insurance regulations and claims handling requirements in relevant jurisdictions.
• Experience coordinating with repair networks, assessors, brokers, investigators, and external service providers.
• Familiarity with claims management systems and insurance administration platforms.
• Strong analytical, numerical, and problem-solving skills.
• Excellent documentation, report-writing, and communication abilities.
• High attention to detail and sound judgment when reviewing complex claims.
• Ability to manage multiple claims cases and meet strict processing deadlines.
• Proficiency in Microsoft Office, particularly Excel, and digital claims management tools.
• Relevant insurance, loss adjusting, or automotive assessment qualifications are desirable.

What We Offer

• Fully remote working arrangement from the UAE.
• Competitive compensation based on qualifications and relevant experience.
• Opportunities to support motor insurance claims operations and process improvement.
• Professional development in claims assessment, insurance operations, and risk management.
• Collaborative working environment with experienced insurance and automotive professionals.

How to Apply

Interested candidates should submit an updated CV highlighting their motor insurance claims experience, vehicle damage assessment knowledge, liability review capabilities, and relevant professional qualifications.

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

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. Physical vehicle inspections, accident scene assessments, and repair verification must be conducted by qualified local personnel. Formal claims approvals, legal liability determinations, and regulated insurance activities must be performed by appropriately authorized professionals in accordance with applicable laws and organizational procedures.