Non-Motor Desktop Assessor High Net-Worth (Centurion)

Santam Insurance; Centurion; On-site; ZAR 720,000 - 1,100,000; Full time

Job summary

Santam Insurance in Centurion is seeking a Non-Motor Desktop Assessor High Net-Worth. You will determine quantum and merit of high-value, non-motor claims for distinguished clients, performing investigations, verification, negotiation and settlement within policy thresholds.

The role demands accuracy, discretion, and professionalism in managing complex losses. You will engage with insureds, brokers, and senior stakeholders to deliver decisive outcomes.

Qualifications

• Matric/Grade 12 with an insurance qualification or equivalent.
• 4–5 years in a short-term claims environment (commercial/personal).
• Experience with house contents, personal all risk, and high-value claims.
• Knowledge of personal line policies and regulatory standards.

Responsibilities

• Act as primary claims expert for high-net-worth clients from notification to settlement.
• Deliver high-touch service with insureds, brokers, exec stakeholders.
• Assess, quantify, negotiate high-value losses with sound judgement.
• Use digital tools and data insights to enhance outcomes.
• Identify fraud and loss recovery opportunities; ensure regulatory compliance.
• Collaborate with external experts and authorities for robust decisions.
• Uphold confidentiality and professional standards in all interactions.
• Represent the executive brand with service excellence in HNW segment.

Skills

Claims experience

Analytical ability

Communication skills

Fraud detection

Collaboration

Education

Matric/Grade 12

Insurance qualification or equivalent

Tools

MS Word

MS Excel

MS PowerPoint

Digital assessment tools

Claims management platforms

AI tools (Copilot)

Job description

Non-Motor Desktop Assessor High Net-Worth (Centurion)

Position in Tailored Claims Solutions, based in Centurion Pretoria, West End Office Park.

WHAT WILL YOU DO?

The purpose of this position is to determine the quantum and merit of segmented non motor claims by performing investigations, verifying the description of the event with the loss, negotiation (with client, intermediary, service providers) and settlement of claims within a delegated threshold and according to contract conditions.

This role is dedicated to managing insurance claims for high-net-worth clients, demanding accuracy, discretion, and a high level of professionalism.

KEY RESPONSIBILITIES

• Act as the primary claims expert for high-net-worth clients, ensuring each claim is managed with precision, discretion, and efficiency from first notification to settlement.
• Deliver high-touch service by engaging directly with insureds, brokers, and executive-level stakeholders, anticipating needs and resolving queries promptly.
• Exercise sound judgement in assessing, quantifying, and negotiating high-value losses, drawing on deep insurance knowledge and advanced analytical capabilities.
• Drive innovation by leveraging digital assessment tools and interpreting data insights to enhance claim outcomes and client satisfaction.
• Safeguard the integrity of the claims portfolio through proactive identification of fraud, loss recovery opportunities, and adherence to regulatory standards.
• Facilitate collaboration with external experts, service providers, and authorities to ensure robust and defensible claim decisions.
• Champion best practices and uphold the highest standards of confidentiality, accuracy, and professional conduct in all client interactions.
• Represent the executive brand, consistently exceeding expectations for service excellence in the high-net-worth segment.

QUALIFICATIONS AND EXPERIENCE

• Matric/Grade 12
• Must have an insurance qualification or equivalent.
• 4-5 years’ experience in a short-term claims environment with focus in commercial and personal claims.
• Experience in house contents accidental loss/damage claims.
• Experience with all house contents and lightning claims.
• Experience with personal all risk claims.
• Experience with buildings combined bursting & overflowing claims.

KNOWLEDGE AND SKILLS

• Short‑term insurance claims processes.
• Basic understanding of automation, data analytics, and AI in reporting.
• Proficiency in MS Word, MS Excel, MS PowerPoint and experience with digital assessment tools and claims management platforms. Familiarity with AI‑driven technologies such as Copilot or equivalent solutions is considered an asset.
• Exceptional verbal and written communication skills, with the ability to convey complex information clearly, exercise discretion, and uphold confidentiality in all interactions.
• Sound judgement and analytical skills, including experience in fraud detection, loss quantification, negotiation, and adherence to regulatory standards.
• Demonstrated commitment to professional conduct, accuracy, and best practices, with a reputation for representing the executive brand and exceeding expectations for service excellence in the high-net-worth segment.

PERSONAL ATTRIBUTES

• Demonstrated commitment to professional conduct, accuracy, and best practices, consistently upholding the executive brand and exceeding expectations for service excellence in the high-net-worth segment.
• Effective collaboration with external experts, service providers, and authorities to deliver robust and defensible claim decisions.
• Assertiveness in decision‑making, with the ability to address complex situations confidently and professionally.
• Service‑driven mindset with a strong focus on client satisfaction and proactive problem‑solving.
• Meticulous attention to detail, ensuring accuracy and thoroughness in all aspects of claims assessment.
• Excellent communication skills (verbal & written), including clarity, discretion, and strict confidentiality.
• Adaptability and resilience, with the ability to respond effectively to change and evolving circumstances.
• Negotiation skills to achieve fair, balanced, and timely outcomes for clients and stakeholders.
• Strong analytical and problem‑solving skills, including experience in fraud detection and complex loss quantification.
• Proven teamwork and collaboration, working seamlessly across teams and with external partners.
• In‑depth knowledge and interpretation of personal line insurance policies, with the ability to apply policy language to real‑world scenarios.

Equal Opportunity and Diversity

Santam is committed to diversity, inclusion, and belonging. As an equal‑opportunity employer, we encourage applications from candidates of all backgrounds, including people with disabilities. We are dedicated to neuro‑inclusivity and fostering a workplace where everyone can thrive.