Santam Insurance is the largest general insurer in South Africa, established in 1918. It holds a market share of over 22.5% and offers a wide range of short-term insurance products for personal, commercial, and corporate clients. Santam operates not only in South Africa but also in Namibia and selected emerging markets, providing diverse insurance solutions through various channels. The company is recognized as a licensed non-life insurer and is committed to leading the way in the short-term insurance sector.
Job overview
- The successful candidate will be responsible for assessing the quantum and merit of segmented non-motor claims by conducting investigations, verifying event details against reported losses, and negotiating with clients, intermediaries, and service providers to reach settlements within delegated authority and contractual terms.
- This role will cover the Gauteng and North-West regions
Responsibilities
- Receive instructions from the Claims Service Consultant, including appraisal notes and documentation.
- Review documents for completeness, accuracy, and compliance with policy conditions.
- Plan claim assessment routes, schedule appointments, and contact clients accordingly.
- Identify outstanding or additional information required from the client.
- Determine the scope of investigation and whether specialist expertise (e.g., builder, engineer) is needed.
- Assess risk and provide recommendations to the underwriting team.
- Appoint specialist resources where necessary.
- Liaise with external parties such as the police or weather bureau to evaluate claim merit.
- Compare collected information with policy requirements and the details of the submitted claim.
- Establish appropriate replacements and assess associated risks.
- Decide on and negotiate settlement options, including replacement, cash, or claim card.
- Authorize repairs or cash settlements within delegated authority.
- Compile and submit detailed claims reports while maintaining accurate and updated claim files.
- Address and resolve client or broker complaints promptly and fairly.
- Manage relationships with clients, brokers, service providers, and internal stakeholders (e.g., relationship managers, claims committees, underwriters).
- Ensure effective and ongoing communication with all relevant stakeholders throughout the claims process.
Qualiifications
- Matric (Grade 12) with Mathematics
- Short-term Insurance Qualification (NQF Level 4) and completion of the Digital Non-Motor Assessors Skills Programme
- Certified Fraud Examiner (CFE) qualification will be an added advantage
- A minimum of five (5) years’ relevant experience in digital non-motor assessments (full spectrum); field assessing experience will be advantageous
Skills
- Completion of all relevant product training
- Proficient in using IM external systems
- Proven experience in adjustment processes, assessor reporting tools, and building terminology
- Skilled in repair estimation for building damage, addressing indemnity issues, and working with non-standard roofing (e.g., thatching), floor coverings, Gyproc, and building repair calculators
- Familiar with advanced electronic equipment used in assessments
Personal Attributes
- Strong analytical thinking skills
- Proactive in seeking and interpreting information
- Decisive and directive in approach
- Demonstrates initiative and self-motivation
- Adaptable and flexible in dynamic environments
Method of Application
Meet the qualifications? Apply now at Santam Insurance on careers.sanlamcloud.co.za