Job Description

Job Title: Recoveries Claims Handler

Location: Liverpool

Hours: Monday–Friday, 9:00am–5:30pm (37.5 hours/week)

Salary: £26,938 – £28,648 per annum, plus up to £1,500 annual performance-related bonus (eligible after probation).

About the Role

Join our fast paced Recoveries team and play a key role in delivering fair outcomes for our customers by recovering costs where a third party is responsible. As a Recoveries Handler, you’ll take end to end ownership of non fault motor insurance claims, applying sound technical judgement, commercial awareness, and effective negotiation to drive the right outcomes.

This is a hands on, ownership driven role where you’ll manage your own caseload, assess liability, make confident decisions, and keep claims progressing through effective collaboration with suppliers, partners, and third parties. You’ll balance commercial outcomes with customer fairness, ensuring claims are managed accurately, compliantly, and with care.

You’ll be joining a collaborative and supportive team that values your contribution, encourages sharing insight and ideas, and is committed to continuous improvement. We offer ongoing technical training and development opportunities, giving you the platform to build your expertise and grow your career in Recoveries.

What You Will Be Doing

Claims Management

• Manage non fault repair, recovery, and uninsured loss claims from start to finish.
• Send allegations of liability to third parties and their insurers as part of progressing recovery claims.
• Assess liability, indemnity, and claim financials, making accurate and timely decisions.
• Keep files moving by identifying opportunities, managing risks, and avoiding delays.
• Maintain accurate and up to date reserves and claim records.

Commercial & Financial Decision Making

• Make decisions that maximise recoveries and minimise costs.
• Negotiate subrogated outlays and manage aged debt effectively.
• Issue outlay requests and proactively follow up to ensure settlement.
• Process and authorise payments within delegated authority.

Supplier & Partner Engagement

• Work closely with suppliers, solicitors, and partners to progress claims.
• Instruct panel solicitors where escalation or litigation is required.
• Handle inbound calls from customers, third parties, suppliers, and solicitors, delivering a clear and professional customer experience.

Continuous Improvement

• Share insight, support improvements, and contribute to positive change within the Recoveries team.
• Represent the team positively in all interactions.

What We’re Looking For

Technical & Commercial Skills

• A good understanding of motor insurance, non fault processes, liability, and subrogation.
• Strong technical grounding with regulatory awareness.
• Confident negotiation and influencing skills.

Personal Qualities

• Strong attention to detail with an analytical mindset.
• Proactive, self motivated, and comfortable taking ownership.
• Able to manage pressure, deadlines, and competing priorities.
• Clear, confident communicator who’s comfortable making decisions.

Grow with Acorn

At Acorn Insurance, we’re proud of our Liverpool roots — and even prouder of how far we’ve come. As part of the Acorn Group, we bring over 40 years of specialist insurance expertise to the table. From humble beginnings, we’ve grown into a national leader, now employing 1,700+ people across the UK and reached a milestone £750 million in total value of insurance policies written in 2024.

We’re growing fast, with new opportunities emerging every week. That growth is largely due to the values we share:

· • We run through walls for our customers and each other

· • We challenge the status quo

· • We succeed when we help those around us succeed

· • We decide quickly when the smart thing to do is use our judgement

Benefits

· • A maximum of 35 days’ holiday (depending on role and tenure) including bank holidays, with additional buy/sell options

· • 24/7 mental health support & free counselling available

· ☝ Grow with us: Through career fairs, leadership programs, and learning on the go!

· • Flexible benefits, including early access to salary via our internal platform

· • Hybrid working options to support work-life balance and individual needs

· • Recognition awards, social events & more

Our Commitment to our colleague’s:

These aren’t just words — they’re the principles we live by. And we’re proud to back them up with real action, earning recognition and accreditation from leading organisations that share our commitment to people and growth:

· • Mindful Employer – championing mental health and wellbeing

· ♿ Disability Confident Level 1 & 2 – creating accessible, inclusive opportunities

· • Menopause Friendly accredited – supporting every stage of life

· •️ Armed Forces Covenant signatory – honouring those who serve

· •️ Armed Forces Defence employer recognition scheme - Supporting those who serve

· • Great Places to Work 2024/25 – fostering an engaging and positive workplace culture

· • Best Place to Work for Development – proud to be investing in people’s future

· •‍• Best Place to Work for Women – breaking down barriers to women's career progression

If you’re looking for a company with a strong culture, real career progression, and a people-first approach — all rooted in the heart of Liverpool — Grow with Acorn.

A Few Things to Know Before You Apply

We’re really excited that you’re considering joining Acorn! To help everything go smoothly, here are a couple of things to keep in mind:

If your application is successful, we will commence relevant employment checks prior to you commencing employment with us. These will include a standard criminal record check and an insolvency register check.

• Visa Requirements Because our training is quite comprehensive, we can only consider applicants who have at least one year remaining on their Graduate or Post-Study Work visa. At the moment, we’re not able to offer visa sponsorship.
• We’re Here to Support You We’re committed to creating an inclusive, supportive workplace where everyone can flourish. If you need any adjustments during the recruitment process—or once you’re part of the team—just let us know. Whether it’s flexible hours, adapted equipment, or a bit of extra support, we’ll work with you to make sure you can do your best work.

The Acorn Group is a Great Place to Work 2024/5. A record number of Acorn employees completed the survey. The results overwhelmingly revealed that the group is welcoming, supportive and a great place to forge a career. There is always room for improvement though.