A CAREER FOR THE NATURALLY CURIOUS - Chartered Institute of Loss Adjusters
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
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 202116 . 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 2021You can also read
