Should the worst happen and you need to claim on your commercial insurance, our in-house claims handling team is the bridge between you and the insurer and will be with you every step of the way.
In fact, we take the lead on the process and manage almost all interactions with insurers and loss adjusters. We will challenge, chase up, and champion your case all on your behalf. Having our claims handling team in your corner at such a difficult time brings immense peace of mind to our clients, which explains our Client Retention Rate of 97.7%!
We understand that making a claim or managing multiple claims simultaneously can be deeply stressful. And with the increasing propensity for insurers to use Live Chats and Claims Portals, even getting through to your insurer can be a challenge, heaping even more anxiety onto an already troubling situation. That’s why we allocate you your own friendly, dedicated point of contact, who understands your claim inside out. No more having to go over old ground to explain your situation repeatedly. Quite the opposite. We will keep you updated at regular intervals.
Whether you have one claim per year or 300, we make this added-value service available to all our clients. Quite simply, our goal is to make a difference every day.
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What Does Our Claims Handling Team Do?
The key to managing a successful claim is to involve us as soon as possible, even if a claim scenario appears straightforward. Every claim is unique – one size doesn’t fit all – which is why we provide a completely bespoke service. We don’t even use standard letter templates; all our claims communication is personalised. We are not a call centre. Each experienced Claims Executive is well versed in the language of insurance, so can streamline the whole process from initial notification to final resolution, which allows you to stay focused on your business.
Over the last 50 years, we’ve built up excellent relationships with insurers and have well-honed escalation processes, should the need arise.
Our claims handling team is instinctively vigilant when it comes to policy interpretation and unapologetically assertive if we need to challenge insurer decisions. And should you have uninsured losses, our team will endeavour to recover those for you as well.
In addition to managing our clients’ claims processes, we also monitor claims trends and experiences. We look for patterns and drill down into those patterns and incident types. If we can identify the causes of certain claims, we can begin to manage the risks associated with those causes, which in turn can inform premium calculations at renewal time.
Our Clients Have Access To Their Own Claims Analysis Tool
Clients can access our claims analysis tools that identify valuable insight into claims trends. Amongst other things, it can pick out claims spend statistics for any given policy period, identify driver trends, liability & accident circumstance trends, and provide an up-to-date current status on each claim.
This is all accessible from within one user-friendly screen, allowing clients a multitude of insights at the click of a button.
Our Specialist Claims Service
From the outset, your insurance claim would be handled by an expert. But even within this team of experts, we have specialist groups handling key categories of claim:
Goods In Transit Insurance
Where the incorporation of a myriad of various terms of carriage, be it RHA/CMR/BIFA or ‘all risks’ is commonplace, it’s key that you have someone on your side in the event of a claim who has the knowledge to ensure a claim is dealt with correctly. Our team has that expertise in spades and are here to help you unravel the liability chain and ensure insurers are acting in line with your policy. They will also act to ensure that your commercial relationships with customers are protected throughout the process.
Trade Credit Insurance
Niche lines of insurance call for specialist knowledge in the event of a claim. We have claims executives who specialise in Trade Credit claims, for your peace of mind.
Financial Lines
Financial lines claims can often be sensitive or large; and potentially involve critical losses. Our Claims Manager and Claims Director personally handle these claims, ensuring they (and you) receive the right level of attention, knowledge and discretion.
Clients Often Move Over To Us On The Back Of An Unhappy Claims Experience Elsewhere.
Why Choose Our Claims Handling Team?
Our clients tell us there are many benefits to working with us:
Expertise
The Claims Team, ably headed up by our Claims Director Steve Lockey and Claims Manager, Joe Fay, stands at almost 25 Executives, Handlers and Assistants and continues to grow. We have vast amounts of retained knowledge within the team, (currently a combined 202 years of pure C&C claims experience), so are quick to understand a client’s claim and their immediate needs. We’ve developed excellent relationships with insurers over our almost 50 years, which can bring all manner of benefits for clients in terms of negotiating and speed of response.
Relationships
Our clients repeatedly say that one of the biggest benefits of working with us is the relationship they have with their contact at C&C. Our approachable team appreciate that every client is a human being going through a challenging time, and deserves to be treated with empathy and care. At the risk of repeating ourselves, we’re NOT a call centre! We take the time to really understand our clients, their business, and the specific market they operate in. Having this consistency of contact means clients avoid that starting at square one feeling when it comes to discussing their claims.
Efficiency
We handled over 7300 claims in 2024, completely free of any additional claims handling fees. Claims that otherwise would have caused untold levels of anxiety and would more than likely have dragged on unnecessarily longer than required, causing even greater business distractions. In fact, we’ve had many clients return to us based purely on our claims handling service!
The C&C Claims Charter
When you need us most, our promise is to manage your claim professionally, proactively and personally, so you can focus on getting back to business. To deliver this promise, we guarantee you can expect:
C – Client-first commitment: We will act as your advocate from start to finish, putting your interests first and guiding you through the claims process with clarity and care.
L – Loyalty from an experienced team: You’ll deal with a dedicated, long-serving team who know you, your business and your cover. We’re part of your team. We’re not a call centre.
A – Analytical insurance expertise: We understand policy wording, spot issues early on and confidently challenge insurers where needed, to secure the right outcome.
I – Insightful communication: We keep you informed with clear, regular updates, explaining what’s happening and what comes next. No jargon. No fob-offs.
M – Meticulous management: Every claim is handled thoroughly, coordinating all parties and ensuring nothing is overlooked; proactively exploring uninsured loss recovery, when possible.
S – Swift, supportive handling: We move quickly, reduce delays and provide calm, practical support throughout. We take the headwind, minimising the impact of a stressful situation.
And we do all this whilst walking on the sunny side of the street.
Because no-one is inspired by the negative.
CONTACT OUR CLAIMS HANDLING TEAM TO SEE HOW WE COULD HELP YOU MANAGE YOUR CLAIMS PROCESS AND PROTECT YOUR COMPANY ON 0161 406 4800 OR VIA EMAIL HERE
