Non-Motor Field Assessor

Santam Insurance; Pretoria; On-site; ZAR 300,000 - 400,000; Full time

Job summary

A leading insurance provider is seeking a candidate for their Non-Motor Claims Department based in Centurion. The successful individual will assess and negotiate non-motor claims, ensuring alignment with policy conditions. Ideal candidates should have a strong analytical mindset and relevant experience in claims assessment, along with requisite qualifications. This role contributes significantly to client satisfaction and effective claims management.

Qualifications

• Minimum of five (5) years’ relevant experience in digital non-motor assessments.
• Field assessing experience will be advantageous.
• Completion of all relevant product training.

Responsibilities

• Assess the quantum and merit of non-motor claims.
• Conduct investigations and verify event details.
• Negotiate settlement options within delegated authority.

Skills

Analytical thinking

Proactive information seeking

Initiative and self-motivation

Education

Matric (Grade 12) with Mathematics

Short-term Insurance Qualification (NQF Level 4)

Certified Fraud Examiner (CFE)

Tools

IM external systems

Repair estimation calculators

Job description

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A career opportunity has become available within Santam’s Non-Motor Claims Department, and the successful candidate will be based in Centurion.

WHAT WILL YOU DO?

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

WHAT WILL MAKE YOU SUCCESSFUL IN THE ROLE?

• 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.

QUALIFICATIONS AND EXPERIENCE

• 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

KNOWLEDGE AND 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-motivationAdaptable and flexible in dynamic environments

WHO WE ARE

Santam is the market leader in the general insurance industry in Southern Africa. We are a large, diversified, expanding, and transforming company, and whilst based in South Africa, we are rapidly moving into a number of emerging markets, both in Africa and Asia.

Our success is rooted in our passion for our clients, and everything we do is centered on our delivery of insurance good and proper. We’re about people. People drive our business, so it follows that we want to recruit the best people possible, whether they work for us permanently or for a short time as temporary employees.

At Santam, we are committed to transformation and embracing diversity. This commitment is what drives us to achieve a diverse workplace with employment equity as a key goal to create an inclusive workforce, representative of the demographics of our society. In achieving our employment equity goals, we give preference to applicants from the designated groups in alignment with the division's Employment Equity targets.