Insurance Claims Handler

Job Description:

Insurance claims handlers help people who are making claims on their insurance policies.

Job Category:
Financial Services

What you will do:

In your day-to-day duties you could:

  • take details when a customer reports a claim
  • issue claim forms
  • give advice on the claims process
  • check insurance claims
  • make sure premiums have been paid and that policies cover the claim
  • gather information like receipts, photographs or valuations
  • arrange payments on straightforward claims



You’ll need:

  • business management skills
  • to be able to use a computer and the main software packages competently

As well as:

  • to be thorough and pay attention to detail (organisational skills)
  • customer service skills
  • administration skills
  • the ability to work well with others (teamwork skills)
  • patience and the ability to remain calm in stressful situations (adaptability skills)
  • sensitivity and understanding
  • a desire to help people
Illustration of employee looking at workspace

Entry Requirements:

To become an Insurance Claims Handler, you typically do not have specific GCSE subject requirements. However, there are several GCSE subjects that can be beneficial in preparing for a career in the insurance industry and can provide you with a strong foundation in relevant skills and knowledge. These subjects include:

  1. Mathematics: A strong understanding of mathematics is essential for insurance claims handling, as it involves calculations, data analysis, and risk assessment.
  2. English Language: Good communication skills, including reading, writing, and speaking, are important for interacting with clients, writing reports, and explaining claims processes.
  3. Business Studies or Economics: These subjects can provide you with an understanding of basic business principles, which are valuable in the insurance industry.
  4. Information Technology (IT): Proficiency in using computer software and data entry is often required in insurance claims handling, so IT skills are highly beneficial.
  5. Law: While not a strict requirement, a basic understanding of legal concepts can be helpful in navigating insurance policies and contracts.
  6. Geography: Some insurance claims handlers deal with property insurance, so knowledge of geography can be beneficial in understanding property locations and risks.

Post School

You can get into this job through:

  • a university course
  • a college course
  • an apprenticeship
  • working towards this role
  • applying directly
  • a company’s trainee scheme

You could take a degree before applying for a place on an insurance company’s graduate training scheme. Employers recruit from a range of degrees although some give preference to subjects like:

  • maths
  • business management
  • finance
  • law
  • economics

It can help to get some relevant work experience whilst you’re studying, for example through an internship or a year’s industry placement.

You could get into this job through a higher apprenticeship as an insurance professional.

This typically takes about 24 months to complete and is a mix of workplace learning and study.

You may be able to start as an admin assistant or technician and work your way up to be a claims handler. You’ll usually need relevant subjects at school such as English and maths.

Direct Application
If you want to apply directly you’ll find it useful to have:

  • English and maths subjects at school
  • IT skills
  • experience in office work or customer service

Some companies will test your skills in communication and numbers at the interview stage.

Other Routes
You could join a large insurance firm’s training scheme if you’ve got a high school certificate and relevant work experience, or a degree in a relevant subject, like business studies or maths.

Working Hours and Environment:

You’ll work approximately 35 to 40 hours a week in an insurance office or contact centre. You might work standard office hours Monday to Friday, or shifts including evenings and weekends in a contact centre.

You’ll be office-based, and spend most of your time on the phone and using a computer.

Career Path & Progression:

With experience, you could work as a claims negotiator, or be promoted to claims manager.

You could move into other areas of insurance like loss adjusting, broking, account management, or compliance.