Claims Handler - Settlements

Tesco Insurance and Money Services; Newcastle upon Tyne; Hybrid; GBP 25,000 - 31,000; Full time

Benefits offered by this job

Pension 7.5%

Virtual GP

Annual bonus

Holiday 7.2 weeks

Clubcard discount

Parental leave

Save & Buy

Learning opportunities

Job summary

Tesco Insurance and Money Services is seeking Claims Handlers - Settlements to join the Third Party Settlement Team in Newcastle. You will proactively manage non-fault motor claims, helping customers access repair and mobility solutions while delivering excellent service.

The role offers hybrid working after training, with a clear path to develop skills in negotiation, fraud awareness and handling complex claims while supporting customers through challenging situations.

Qualifications

• Strong technical claims knowledge including indemnity, subrogation and motor liability.
• Proven ability to independently manage an active caseload and prioritise claims.
• Excellent communication; able to explain complex information clearly and negotiate effectively.

Responsibilities

• Proactively contacting non-fault third parties and promoting repair/mobility services.
• Build relationships with customers and third-party representatives to achieve the right outcome.
• Negotiate with third-party stakeholders to deliver fair outcomes while controlling costs.
• Manage claim progress and monitor hire and repair activity.
• Identify and escalate potential fraud concerns in line with processes.
• Support efficient handling and settlement of claims with high service standards.

Skills

Claims handling

Negotiation

Stakeholder management

Fraud identification

Tools

IT literacy

Job description

Serving our customers, communities, and planet a little better every day.

About the role

Serving our customers, communities, and planet a little better every day.

Salary: from £28,000pa (negotiable dependant on experience) + annual bonus & benefits

Work Level: 1

Location: Newcastle (Hybrid)

Office Attendance: You'll start your journey with up to 12 weeks of office-based training: Monday – Friday 09:00 – 17:00, to give you the skills, knowledge and support to succeed. Thereafter, Shifts will be between 08:00 - 17:00 Monday to Friday. *Please note these may revert to 08:00 - 19:00 Monday to Friday and 08:00 - 13:00 Saturdays (1 in 3) in future. Once fully competent in role, you'll have the opportunity to move to hybrid working, subject to meeting the required criteria.

Closing Date: Applications close on 30 October 2026 at 5pm. Please note due to business requirements the job advert may be closed earlier.

Why this role?

At Tesco Insurance and Money Services, our Claims team does more than handle claims. We support customers through some of life's most challenging moments, helping them navigate difficult situations with empathy, expertise and care.

We're looking for Claims Handlers - Settlements to join our Third Party SettlementTeam. In this role, you'll proactively manage and support third party motor claims, helping customers access repair and mobility solutions while delivering excellent service and controlling claims costs.

Working in a specialist area of claims handling, you'll engage directly with non-fault third parties, building relationships, influencing outcomes and identifying solutions that benefit both customers and the business. This is an excellent opportunity for someone with an insurance background, or an interest in motor insurance, who enjoys customer interaction, problem-solving and negotiation.

What you’ll be doing

• Proactively contacting non-fault third parties and promoting the benefits of our repair and mobility services and solutions.
• Building positive relationships with customers through effective communication, helping them navigate their circumstances and achieve the right outcome.
• Negotiating with third-party stakeholders and suppliers to deliver fair outcomes while controlling costs and protecting business interests.
• Managing claim progress and departmental priorities, including monitoring ongoing hire and repair activity.
• Identifying, investigating and escalating potential fraud concerns in line with company processes and procedures.
• Supporting the efficient handling and settlement of claims while delivering a high standard of customer service to all stakeholders.

What we’re looking for: (minimum criteria)

• Strong technical claims knowledge, including insurance principles such as indemnity and subrogation, motor liability, vehicle and property damage claims, relevant case law, industry protocols and The Road Traffic Act.
• Proven claims handling experience, with the ability to independently manage and prioritise an active caseload, make sound commercial decisions, assess liability, investigate claims and negotiate effective outcomes, including credit hire decisions and cost recovery opportunities.
• Excellent stakeholder management and communication skills, with the ability to build relationships, negotiate effectively, explain complex information clearly and confidently engage with customers, third-party representatives and other stakeholders.
• Strong investigative and problem-solving capability, including fraud identification and investigation, confident decision-making within authority levels, excellent IT literacy and the ability to handle challenging customer situations with empathy and professionalism.

What’s in it for you?

• A generous pension, with up to 7.5% employer contribution, depending on what you put in.
• Virtual GP Service for you and your family
• Performance related annual bonus.
• 7.2 weeks holiday, with the opportunity to buy more.
• Colleague Clubcard discount (10-15% + second card to share with someone else).
• Enhanced parental leave.
• Opportunities to Save and Buy as you earn.
• A place to get on - take advantage of our ongoing learning opportunities to help you achieve the job and career you want.

Interviews

As a Disability Confident Employer (Level 2), we’re committed to creating an accessible and supportive environment for all. We offer reasonable adjustments throughout the recruitment process, including interviews, to ensure every candidate has a fair opportunity to succeed.

We also know the importance of balancing work with life’s other commitments. Please talk to us at interview about the flexibility you need, as we’re committed to exploring part time and flexible working opportunities, at every level of the organisation.

Interviews are expected to be held from September 2026.

Why Tesco Insurance and Money Services?

Seeing your impact all around you: there's no better feeling.

Lucky for us, we get to feel it all the time. Because whatever our role, we're helping our colleagues and serving our customers, communities and planet a little better every day.

We deal in the personal – from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you’ve worked hard for.

Everything we do is about making things better. Not just for others, but for you too. It's why you'll get bags of choice and plenty of development. It's why you'll always be heard and find balance that works for you. It's why you'll feel totally at home in a place where everyone's welcome.

So, if you want a career where you can do good and feel good, you've found it.

Let's make everyday a little better.

Our story

Making Insurance and Money Services more rewarding and offering great value and choice - because we know little wins can make a big difference.

We began life in 1997 and now help more than 2 million customers protect what matters to them.

We want to deliver a helpful service in everything we do and to make life easier for our customers. Our policies are really easy to manage online for our customers, but we know that being able to speak to our customer service staff when you need to is really important. This is why our customer service centers are open seven days a week.

Delivering great customer service means having great people behind the scenes – people who understand our customers and are driven by doing the right thing for them. We offer colleagues a place where they can feel totally at home in a place where everyone's welcome, where they can be part of a great team focused on making a real difference for our customers.

We value our people and diverse teams and believe the variety of backgrounds and experiences make us stronger to achieve our goals.

Our colleagues are working hybrid, taking time to meet with colleagues in our offices for moments that matter, such as team catch ups, planning meetings and more.

If you’re interested in finding out more about what a career at Tesco Insurance and Money Services looks like.