A CAREER FOR THE NATURALLY CURIOUS - Chartered Institute of Loss Adjusters
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FOCUS CLAIMS Issue 32 March 2021 THE CHARTERED INSTITUTE OF LOSS ADJUSTERS Read to gain 1 hour of CPD A CAREER FOR THE NATURALLY CURIOUS An interview with Eloise Harby. p.17 Cyber Criminals Are they hiding behind an insurance claim? p.8 Recognition of CILA qualifications post Brexit p.6
2 . Claims Focus March 2021 Claims Focus March 2021 . 3 THE BUSINESS INTERRUPTION W E L C O M E T O CHALLENGES ARE MIND CLAIMS FOCUS Always By Your Side. BLOWING. LET US MAKE LIFE A LITTLE SIMPLER Spring is definitely in the air along International Women’s Day will be with optimism about the year ahead. celebrated on 8th March and we are 2021 has already given us some delighted that our Women in CILA interesting developments with the group have shared the story of one of Supreme Court handing down our recently qualified female members, judgment on the FCA test case Eloise Harby (page 17). Our work on We are very mindful that the complexity of Covid-19 related on Covid-19 Business Interruption the wider spectrum of diversity and claims (page 11). The UK has also inclusion continues and further updates BI claims is mind blowing. left the European Union and this will follow in future editions. will undoubtedly have implications With all your time and focus on BI, your BAU claims are for the handling of claims. On page 6 Finally, we hope you will enjoy our two technical features, starting with Malcolm Hyde, inevitably piling up; meaning you’re more stressed, insurers we outline our considerations for the CILA Executive Director the cyber criminals who may be hiding are more anxious and policyholders are more frustrated. recognition of CILA qualifications behind insurance claims (page 8) post Brexit. and then sewer flooding within The fast paced rollout of coronavirus basements (page 12). Thank you to vaccines has given us hope to cautiously those who contributed to this edition plan for the future. Over 100 members and our best wishes to all members achieved a CILA qualification in 2020 as we navigate our way to better and and we are determined to beat that safer times in 2021. number in 2021. Helping members achieve their qualification goals is our number one priority and so we are excited to bring you an enhanced programme of online exam support Alison Gamble, events throughout the year (see page CILA Technical Marketing Manager 15 for upcoming events in March). Take a moment to disappear into the Polygon blue. As the global leader in property damage restoration, we are best placed to address your BAU backlog. You get some CONTENTS: time and space to think clearly. Insurers see progress and policyholders are reassured. 04 QUALIFICATION SUCCESS 06 C ILA QUALIFICATIONS Doesn’t that sound better already? POST BREXIT It’s time to be more Zen. It’s time for Polygon. 08 CYBER CRIME 12 SEWER FLOODING 15 STUDY SUPPORT & CPD 16 BUILD THE FUTURE WITH APPRENTICESHIPS IN INSURANCE We prevent, control and mitigate the 17 A CAREER FOR THE effects of water, fire and climate. NATURALLY CURIOUS www.polygongroup.co.uk Claims Focus March 2021 Claims Focus March 2021
4 . Claims Focus March 2021 Claims Focus March 2021 . 5 QUALIFICATION SUCCESS NEW ASSOCIATE OR CERTIFIED MEMBERS NEW CERTIFICATE MEMBERS Craig Jones Crawford & Company Naomi Akatsuka Karl Parratt Direct Line Group (Australia) Pty Ltd Muder Ali Jonathan Reuter Oakleafe Claims Chloe Nickless Crawford & Company Jennifer Attenborough Sedgwick International UK Anthony Russell Quadra Claims Services Ltd Benedict Turnbull Charles Taylor Adjusting Luke Ayling Sedgwick International UK Umesh Sasikumar Katarzyna Baranowska Sedgwick International UK Amine Sennani HERE ARE OUR MEMBERS Aaron Spencer Bird Oakleafe Claims JaneShepherd Sedgwick International UK NEW ADVANCED DIPLOMA MEMBERS Joseph Brennan Advanta Global Nicola Simpson Crawford & Company WHO HAVE ACHIEVED Luke Crowe Woodgate and Clark Limited Steven Careless Sedgwick International UK Anurag Vadul Kesavan Miller International Loss Charles Eurell Adjusters Ltd Chun Chan QUALIFICATION SUCCESS Leanne Graham Sedgwick International UK Louise Webster Sedgwick International UK Andrew Cox CPA Ashley Martin Graham Crumb Oakleafe Claims Jose Panameno Lloyd Warwick International SINCE THE DECEMBER Olusegun Edmond Armie Ellar 2020 EDITION OF NEW DIPLOMA MEMBERS Lucy Evans Michael Fisher Oakleafe Claims CLAIMS FOCUS Ines Baouab Gareth Bowers McLarens William Fraine Joanne Garrett Aviva Insurance Limited Sedgwick International UK Andrew Bumstead Zaire Hussain Sedgwick International UK Grant Bushell Muhammad Imran Katherine Gibson McLarens Daniel James Oakleafe Claims Jessica Grenfell Sedgwick International UK Margaret Harper Kerr Sedgwick International UK Paul North The LMI Group Ka Hei Lam Fatema Patel Crawford & Company Chun Lau Ather Siddiqui Andrew Leigh Sedgwick International UK Paul Stott Crawford & Company Amy Major Sedgwick International UK Yuta Takanoha Andrew Marshall Sedgwick International UK Joji Thomas Naserian Mukami Kevin Wade Crawford & Company Shola Opia Sedgwick International UK Joycelene Wekesa Claims Focus March 2021 Claims Focus March 2021
6 . Claims Focus March 2021 Claims Focus March 2021 . 7 CILA R E C O G N I T I O N O F ENGAGEMENT WITH THE BUSINESS, ENERGY & I N D U S T R I A L S T R AT E G Y D E P A R T M E N T L ike all business sectors, the OUR ISSUES CENTRED ON: Members will be aware that the UK is insurance sector has been • Continued portability of our seeking other trading agreements with preparing for the UK’s departure qualification within the EU countries around the world and we, from the EU since the result of the along with other professional bodies, EU referendum on 23rd June 2016. • Members based in the Republic will continue to lobby for recognition of Ireland being able to continue of CILA qualifications as part of these Our focus as a professional body has to use their CILA qualification to trade agreements. been recognition of CILA qualifications meet the Central Bank of Ireland’s and so we set in motion a chain of minimum standard events the day after the historic vote for the UK to leave the European Union. • Ensuring that new trade deals FUEDI QUALIFICATIONS QUALIFICATIONS POST BREXIT This led us, with kind thanks to the Rt. Honourable Sir Nicholas Soames MP (Grandson of Sir Winston Churchill), to across the globe did not sell our (UK) qualifications short CILA members are able to obtain the FUEDI-ELAE qualification if they hold We have participated in much wider one of the following: a meeting with the Business, Energy & discussions with the BEIS and other AT 11:00 PM ON 31ST DECEMBER Industrial Strategy Department of the UK Government (BEIS). professional bodies and we have no • ACILA qualification plus 10 years doubt that our learned friends at BEIS of experience in loss adjusting 2020 THE UNITED KINGDOM’S understand the considerable importance • ACILA qualification and a Bachelors of recognition of qualifications. These TRANSITIONAL ARRANGEMENTS meetings have included the London degree plus 8 years of experience in loss adjusting Market, Chartered Insurance Institute WITH THE EUROPEAN UNION We were the first (CII) and many others. The most • ACILA qualification and a Masters professional body to meet degree plus 6 years of experience ENDED AND THE NEW TRADING recent meeting was hosted by the All Party Parliamentary Group for Insurance in loss adjusting with Government officials ARRANGEMENT BEGAN. on this topic and they and Financial Services. Further details can be found on the FUEDI website at: www.fuedi.eu thanked us for our THE EUROPEAN FEDERATION OF LOSS ADJUSTING EXPERTS (FUEDI) There is no charge to be recognised as initiative.” holding the FUEDI-ELAE qualification Whilst Loss Adjusting is not a regulated and CILA members can apply by profession across the European Union, At the time there were just three contacting info@cila.co.uk it is important that the CILA people in the Department who had qualifications continue to be recognised. been charged at looking at mutual INTERNATIONAL FEDERATION OF We have the security of the FUEDI recognition of qualifications. It was ADJUSTING ASSOCIATIONS (IFAA) membership that recognises CILA clear from our discussions that the CILA members who are qualified to qualifications. Incidentally, FUEDI are full implications of recognition of Certificate, Diploma or Advanced currently in communication with the qualifications (or perhaps more Diploma level can also become an EU concerning Covid-19 and the work importantly the loss of) was sinking in. Associate member of the IFAA (£15 undertaken by members of the FUEDI Their departing words were – of course, annual fee). CILA Associates and Fellows loss adjusting associations. we are dealing with all qualifications are eligible to be a Fellow of the IFAA including Doctors, Engineers, Scientists As part of that ongoing communication, (£25 annual fee). Joining the IFAA is etc. They had a mountain to climb FUEDI plan to highlight the importance simple – go to outstanding payments but be absolutely assured these are of the CILA qualification in the Republic on your MyCILA account and make impressive people. of Ireland. payment before 31st March 2021. Claims Focus March 2021 Claims Focus March 2021
8 . Claims Focus March 2021 Claims Focus March 2021 . 9 WHO IS HIDING BEHIND CYBER AN INSURANCE CLAIM? CRIME The National Crime Agency estimates that there are currently around 180,000 serious crime gang members operating in the UK. According to the Office for National Statistics (ONS), fraud is now the most common crime in the UK with over 3.6 million incidents in 2018. The ONS also report that 2 million of these incidents of fraud were via cybercrime. HOW DO CY BER CRI MI NALS OPERATE AND HOW MI GHT THEI R ACTI VI TI ES LEAD TO I NS U RANCE FRAU D? D ark web – a criminal marketplace Data and fraud for sale The web we all access is usually defined Data is hacked, leaked, stolen by deceit, coercion, or within 3 parts. The bright web which is the social engineering, and then put out for sale on the section we all access using our browsers via marketplaces. Other services are also sold, such as the likes of Google and Bing. This represents fraud training manuals, mentoring services and even about 6% of the information held on the web. The deep professional callers who will front a refund or claim web which can only be accessed through login and so on behalf of their customers. This is termed ‘crime includes information like subscription databases, as a service’. government sites and the military. The dark web which Fraudsters then buy this stolen data and use it to occupies a small but significant corner can only be commit crimes such as account takeover, where they accessed via browsers like TOR (formerly known as impersonate someone and clear out their bank account, The Onion Ring), has no search engines and is entirely take over their mobile phone, or raise credit in their unregulated. name. Other criminals will use information such as Innovative criminals were quick to realise that stolen website logins to install ransomware on an organisation’s data, leaked data, drugs, guns, extreme pornography, computer systems. forged documents and even people can be bought and Currently we are seeing identification data being sold on the dark web with a fair degree of anonymity. used to claim benefits and loans under various This is done on a global scale so often the offenders Covid-19 schemes with one gang in the U.S. taking are out of the reach of routine law enforcement. $900m in 2020. Claims Focus March 2021 Claims Focus March 2021
Claims Focus March 2021 . 11 3.6M Is it just the dark web? On 15th January 2021, the Supreme No. Whilst the dark web marketplaces Court handed down judgment in continue to thrive the more brazen criminals sell their wares on social the Covid-19 Business Interruption media including Facebook, Twitter, insurance test case of The Financial and WhatsApp. This enables them to Conduct Authority v Arch and Others. ACCORDING T extend their reach further in their search What about insurance? for both victims and recruits. Many also Some insurers have allegedly had data hide in plain sight using advertising TO THE OFFICE his judgment addresses the appeals which were submitted by the Financial Conduct stolen and sold via criminal networks. that gives the impression that they are FOR NATIONAL Authority (FCA), the Hiscox Action Group Accident details are bought and sold by legitimate. Examples are sites which offer the nefarious side of claimant replacements for lost documents and STATISTICS (ONS), and six of the eight defendant insurers involved in the initial High Court case. organisations. We are also told by the which produce high level copies of driving FRAUD IS NOW THE Insurance Fraud Bureau (IFB) that licences, passports, utility bills, payslips insurance policies have been used by and bank statements which will fool most MOST COMMON The appeals concerned the proper interpretation of criminals to impersonate the policyholder people examining them. CRIME IN THE UK four types of Business Interruption policy clauses: and make false claims. What can you do as a claims WITH OVER 3.6 Ghost Broking professional? • Disease clauses Understanding the resources which are MILLION INCIDENTS Ghost brokers sell bogus policies on the IN 2018. • Prevention of access clauses dark web and via social media. A recent now available to fraudsters via cybercrime conviction involved Raza Mir and is essential. Documents provided in • Hybrid clauses Muhammed Asif who operated from a support of a claim cannot be taken at face London Launderette. They initially started value and wherever possible should be • Trends clauses ghost broking to provide false insurance verified with the source. Fraud teams must cover for members of a UK Based Albanian look beyond whether the policyholder or a The issue of causation was also considered, with drugs gang. They also provided false no third party is committing fraud and particular reference to the decision of the Commercial claims discount letters. consider whether the policyholder is Court in Orient-Express Hotels Ltd v Assicurazioni actually a victim of fraud or being coerced. They then moved on to unsuspecting Generali SpA (2010). members of the public through advertising Avoid the false thought that no-one would HIDING IN and approaches on social media. They go to those lengths to commit fraud. They WHERE YOU CAN LEARN MORE used Mir’s launderette as a drop off and would and they do. Last but not least, collection point. They took people’s sharing knowledge and collaboration as a PLAIN SIGHT Members are able to access details of the case and judgment on the Supreme Court website at: https:// identities and then changed their addresses, claims community is the only way to beat Dark web criminals hide in www.supremecourt.uk/cases/uksc-2020-0177.html. convictions, age and occupations to the criminals who share and collaborate plain sight using advertising Members are also able to view a 90 minute webinar buy insurance which covered the Motor almost instantly via their unregulated sites that gives the impression recording on the CILA BrightTALK platform. In the Insurer’s Database (MID) and Automatic on the dark web. that they are legitimate. webinar John Farrell of Kennedys presents a summary Number Plate Recognition (ANPR) and COVID-19 of the key decisions from the case, with Chartered issued forged documents. Insurers member, Aruna Chandrapalan of Sedgwick Article by Peter Taylor ACFS, and the Insurance Fraud Enforcement International UK, providing a commentary on the Department (IFED) investigated and as Fraud Consultant, Peter Taylor Consultants SHARE THE practical implications for loss adjusters. This webinar KNOWLEDGE BUSINESS a result Mir received 3 years 7 months has received over 1,000 views with one audience custody and Asif 16 months. member describing it as “Brilliant, brilliant, brilliant.” Sharing knowledge and collaboration as a claims Our thanks to John and Aruna for giving up their time INTERRUPTION community is the only way to assist CILA members with this subject. ABOUT THE AUTHOR: to beat the criminals who EXPERTISE OF LOSS ADJUSTERS share and collaborate almost CLAIMS Peter began his career with Greater Manchester Police as a CID officer specialising in instantly via their The Institute is aware of the significant challenges fraud investigation. He started his own insurance investigation business and went on to unregulated sites and complexities that business owners, our members be the Head of Fraud for Major Loss Adjusters. Peter is an Accredited Counter Fraud on the and the insurance sector have faced in presenting Specialist, a member of the International Association of Auto Theft Investigators, and a dark web. and handling business interruption claims associated member of Chartered Institute of Loss Adjusters. with the Covid-19 pandemic. Our members have He has led a major research project into organised cybercrime and its impact on all assisted the Institute in sharing their views on key fraud. He now works as a consultant, trainer and investigator specialising in insurance issues, often drawing on their considerable experience claims fraud and organised cybercrime. You can contact Peter at: of handling business interruption claims, enabling us Website: www.ptc-ltd.co.uk Email: petert@live.co.uk to provide practical insight to other industry bodies and interested parties. Claims Focus March 2021 Claims Focus March 2021
12 . Claims Focus March 2021 Claims Focus March 2021 . 13 SEWER FLOODING IN BASEMENTS WHAT ARE THE REQUIRED PROTECTIONS AND WHAT CAN GO WRONG? By Richard Keightley, Senior Associate at Hawkins Sewer flooding occurs when sewage, appliances to have protective measures often combined with rainwater, backs in order to prevent flooding from the up from the public sewer and overflows, public sewer. It recommends one of two for example from manholes, or from options, depending on the level of risk: low-lying toilets and showers. Water can back up from public sewers due to blockages and pump station failures but in many cases they are simply filled 1 with water due to heavy rainfall. Where there is a low risk of surcharge, and a gravity drainage Properties with living space below ground connection to the public sewer is level are at particular risk. Planning While river flooding is widely possible, an anti-flooding valve (also applications to build or extend known as a non-return valve) can be basements are popular. While used. Anti flooding valves should reported in the media, sewer conversions of existing cellars or refurbishments of habitable basements comply with the requirements of BS EN 13564. flooding receives little coverage generally do not require planning permission, the Building Regulations despite affecting thousands of will still apply. ‘Approved Document H’ 2 gives guidance on compliance with Where there is a high risk of surcharge, properties a year. It can be just the drainage and waste disposal or if the sanitary appliances are below requirements of the Building Regulations. the level of the public sewer, drainage as unpleasant, disruptive and How can basements be protected against sewer flooding? from the basement should be pumped. Pumping installations should comply costly for those affected. Approved Document H requires basements that contain sanitary with the requirements of BS EN 12056. Claims Focus March 2021 Claims Focus March 2021
14 . Claims Focus March 2021 Claims Focus March 2021 . 15 In a pumping installation, wastewater from the basement drains to a sump. motorised flaps that are triggered by pressure sensors. They are only suitable are only recommended when there is a low risk of surcharge. A person in the STUDY SUPPORT & CPD UPCOMING ACS CLINICS When the sump fills up, a float switch where the sewer is below the level of the basement would probably notice that activates the pump, which then basement’s drains. When the public water was not draining from their discharges the collected wastewater into sewer becomes surcharged, the valve is sanitary appliances. However, if sanitary the public sewer via a ‘backflow loop’ (a section of pipe that loops above the maximum expected surcharge level). designed to close automatically to prevent water backing up and flooding the basement. appliances from above ground level have been connected upstream of the anti-flooding valve, the people using EVENTS On 16th February we held one to one clinics for candidates who are working towards their Accreditation for Chartered Status (ACS). These clinics provided candidates with the opportunity to ask questions and receive guidance on During times when the public sewer those appliances are unlikely to realise how to progress their 3,000 word Critical Analysis. ACS clinics will be offered Another key requirement of Approved 11th March becomes surcharged, the backflow loop that their wastewater is becoming again in March. Document H is that “all drainage prevents water from the public sewer trapped in the basement drains until it is unaffected by surcharge [for example • A CS - Exam Skills & from backing up into, and overflowing too late. sanitary appliances above ground level] Essential Knowledge THE CILA EXECUTIVE DIRECTOR, MALCOLM HYDE, WAS DELIGHTED TO OFFER from, the sanitary appliances in the should by-pass the protective measures Care is also required when making Webinar with Malcolm Hyde THIS PERSONALISED SUPPORT TO ACS CANDIDATES: basement. Meanwhile, the pump and discharge by gravity”. This is important alterations to either the drains or the continues to discharge wastewater from to limit the amount of wastewater that sanitary appliances in the basement, to “Tuesday 16th February turned into a great day for me. I was able the basement. 18th March can become ‘trapped’ upstream of an ensure the risk of flooding is not to speak to members from East Anglia in the UK to a member in the anti-flooding valve while it is closed (or increased. Australian Northern Territory individually about the progress on • A D2 - “Understand” Business PROTECTIVE MEASURES upstream of a pump, should it fail). Interruption Webinar with their Critical Analysis. All of the participants were fantastic WORKING DURING SURCHARGE POTENTIAL ROUTES Sue Taylor ambassadors for the next generation of Chartered Loss Adjusters. WHAT CAN FOR RECOVERY Well done and keep up that fantastic work!” GO WRONG? PUMPED ANTI-FLOODING VALVE 15th April Recent building work should always raise Pumping installations can fail for a variety of reasons. Commonly: a ‘red flag’ for subrogated recovery. Even minor works or works that might seem at • T he World of Aviation Adjusting Webinar with Lalitya Dhavala of IN CASE YOU MISSED IT… first to be remote and unrelated (for McLarens Aviation • The failure of the float switch; example alterations to the drainage of Hosted by Women in CILA • Mechanical failure of the pump; upper storeys) can be worth considering. • Electrical failure of the entire Some common third parties who might CILA members can access webinar recordings installation; have contributed to a sewer flooding and previously published technical papers in incident include: the online CILA Technical Library. • Failure of the pipework. • The architect / designer; CILA WEBINARS Both pumping installations and anti- Various safety measures can be provided flooding valves require regular inspection, • The installation contractor; ARE FREE TO ATTEND. to manage the residual risk of flooding should the pump become overwhelmed testing and maintenance. • The maintenance contractor. Simply book your place Highlights from January - February 2021 or fail; for example backup/standby through the Events section If an anti-flooding valve does close It can also be worth investigating why pumps, auxiliary power supplies, alarms effectively, preventing backflow from the the public sewer became surcharged. For of the CILA website: POLICY READING and telemetered alerts that warn of a public sewer, wastewater cannot www.cila.co.uk/ Webinar by Sue Taylor, Women in CILA example, there may be a potential for high water level in the sump. discharge from the basement. The cila/events recovery if a public sewer became either Anti-flooding valves can range from trapped wastewater creates a risk of damaged or blocked by a third-party SITUATING ETHICS IN PROFESSIONAL PRACTICE flooding, and is why anti-flooding valves contractor working in the road. Webinar by Marc Sweeney, CILA Republic of Ireland Representative simple hinged flaps to more complex SUPREME COURT JUDGMENT ON FCA TEST CASE ON BI COVID-19 CLAIMS Webinar by John Farrell, Kennedys & Aruna Chandrapalan, CILA Business ABOUT THE AUTHOR: Interruption SIG Richard Keightley is a Chartered Water and Environmental Manager and Chartered Environmentalist. He specialises in the WORKING FROM HOME - LOVE IT OR HATE IT investigation of flooding, water ingress and drainage issues, and has provided CPR-35 expert witness evidence in civil claims Panel discussion with Chris Henson, Ross Macpherson, Tamara Hamilton-Thomas for both claimants and defendants. Richard joined Hawkins in 2017 as part of their civil engineering team, having previously and Helen Walker of the Claims Management SIG worked at two major engineering consultancies, a water and sewerage company and New Zealand’s National Institute of Water and Atmospheric research. You can contact Richard at richard.keightley@hawkins.biz This publication has been made available by the Chartered Institute of Loss Adjusters solely for the use and convenience of the reader. By making this publication available the CILA does not offer any endorsement or recommendation of the views and opinions expressed therein. For a full explanation of the terms and conditions upon which the CILA provides this publication please see our full disclaimer available on the Institute website. Claims Focus March 2021 Claims Focus March 2021
16 . Claims Focus March 2021 Claims Focus March 2021 . 17 A CAREER BUILD THE FOR THE FUTURE WITH APPRENTICESHIPS IN INSURANCE NATURALLY CURIOUS Interview by Kim Alcock, FCILA and Train, Retain and Achieve Chair of Women in CILA , McLarens I The UK National Apprenticeship Week took Introduction to the insurance industry, Claims THE FOLLOWING recently had the pleasure of passionately about insurance (much to others talking and to take-away the place in mid-February with the theme of handling and Advanced claims handling. Upon APPRENTICESHIP interviewing Eloise Harby of the displeasure of those around me!). knowledge acquired on one case and Build the Future: Train, Retain and Achieve. completion of each unit there was an exam STANDARDS ARE ALL Woodgate & Clark, an ACILA In normal times, I am not stuck behind apply it to another. A year ago, I knew Inspired by this positive message, we spoke which I undertook successfully. qualified adjuster, ACCA member a desk; I see places new and old and nothing about beer yeast, I could now SUPPORTED BY CILA to Zaire Hussain, a CILA member who has and active member of our Future meet incredible people, some who have write you a 2000 word essay on it. successfully completed an apprenticeship I have really enjoyed the apprenticeship and QUALIFICATIONS: Focus Special Interest Group. I was keen made something from nothing and many the training offered was excellent. Choosing an What challenges have you course with his employer Sedgwick to find out why she chose a career in loss with stories to tell. One of the highlights International UK. apprenticeship was the best decision I made and to anyone who is thinking about starting 1 adjusting and what motivated her to is learning how things are built/work. encountered along the way? It’s a male dominated world, but become one of a very small minority I especially love going into factories; they “I am a Project Managing an apprenticeship, go for it! Insurance Practitioner of qualified women in our profession. amaze me. I have so many astonishing most colleagues are very supportive. Adjuster at Sedgwick. Level 3 apprenticeship, I sometimes struggle with the fact that experiences and stories to tell about the My role is to conduct typical duration 12 months, Over the years it has often been as a female, I am expected to behave in claims I have dealt with. interviews with maximum funding £7000, said that you don’t choose loss a certain way. On occasions, brokers and Where to find out more about policyholders, gather supported by the CILA adjusting, you fall into it. Was that the I have been in loss adjusting for assessors are surprised when I turn up. Apprenticeships in Insurance information about their Certificate case for you? many years and have plenty of It’s 2021, yet they still expect to see a claim, evaluate the The CILA was involved in the development I initially went to university to study Art; stories too, but how can we share our man! They get over it when they realise of apprenticeship standards for insurance damage using digital tools and write detailed and we would encourage members who 2 I quickly decided that it was a hobby not a career. I decided to transfer to Business experiences in a way that connects with young people starting out? I know my stuff and being fully qualified underpins that. reports to insurers presenting my conclusion are involved in recruiting and growing Insurance Professional Studies and in my final year began to The Future Focus group are considering and recommendations. talent in our profession to consider Level 4 apprenticeship, frantically research and plan for my a series of podcasts. Social media is also And finally, what advice can you apprenticeship schemes. typical duration 24 months, future. I came across a graduate scheme an effective way to reach our target share with others who may be After many years of working within the If you would like to learn more about how maximum funding £9000, with a loss adjusting firm and liked what audience. TikTok has really taken off in interested in joining our ranks? insurance industry, I wanted to enhance my UK apprenticeships work, including funding supported by the CILA I heard from the few stories/examples the pandemic; this could be an avenue Research the job and contact skill set and further develop in my role, so I arrangements, we recommend that you Diploma online. As my mother says, I’ve always for 60 second stories of what we adjusters online (we are always happy enrolled onto the apprenticeship course and visit the UK government website at: been very confident, and that confidence do/see. There needs to be much more to chat). There are many specialities. began my journey to achieving the Cert CILA qualification. The course was delivered via https://www.gov.uk/topic/further-education- 3 got me my first job. My persistent approach then led to a company car information out there and it needs to be brought to life. Stories are certainly It’s worth talking to adjusters working in areas that you think may interest you, online classes which fitted perfectly with work skills/apprenticeships Senior Insurance and progression from desk to field. the way! be inspired by their stories and then go and my lifestyle. I managed to fit the tutorials For detailed information on the insurance Professional – Level 6 ahead, apply for that role. in during business working hours and did my apprenticeship standards, visit the Institute of Loss adjusting is an extraordinary job for apprenticeship, typical Six years since joining, and fully You never know where own study in my own time. During the course, Apprenticeships & Technical Education website anyone with natural curiosity, who is duration 36 months, qualified within five years, do you it may take you… the tutor regularly assessed my progress. and search for “insurance”. eager to learn and willing to be jack of all maximum funding £21,000, feel you made the right decision? In my first week as an apprentice, I gained https://www.instituteforapprenticeships.org/ supported by the CILA Absolutely. I love my job and all that I trades and master of some. Every claim is industry knowledge which I found really useful Advanced Diploma learn through it; I can spend ages talking different. Its hugely satisfying to listen to for my role. The course consisted of three units; Claims Focus March 2021 Claims Focus March 2021
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