Job Description

The Group Insurance and Risk Manager is responsible for managing all insurance-related matters and risk mitigation strategies across the Group. This includes overseeing motor claims, goods in transit, customer policy uplifts, warehouse-related incidents, and third-party investigations. The role requires working closely with the Senior Incident Investigator to address trends and incidents, ensuring that all incidents are effectively reported and investigated, and that necessary corrective actions are taken. A key responsibility is ensuring the business is legally protected through sound insurance strategies, effective claims management, and strong collaboration across departments.
The Group Insurance and Risk Manager is pivotal in protecting the business against financial and legal risk through effective claims management, policy oversight, and cross-functional collaboration. Working alongside the Senior Incident Investigator, the role ensures a proactive approach to mitigating risks, improving safety, and maintaining compliance within the UK transport, logistics, and warehousing industry
Main Responsibilities
1. Insurance Claims & Risk Mitigation

• Ensure all claims are promptly reported to the insurance provider and that accurate records are maintained.
• Work with the Senior Incident Investigator to review incident investigations and ensure that appropriate claims procedures are followed.
• Negotiate and defend claims with the insurance broker and provider to reduce financial exposure and mitigate risks, especially related to credit hire charges or third-party claims.
• Coordinate with the Senior Incident Investigator to ensure all high-risk or complex claims have supporting evidence to prevent legal or insurance pitfalls.

2. Performance & Reporting

• Produce and circulate weekly claims reports to the leadership team, detailing new claims, their status, and any outstanding actions.
• Collaborate with the Senior Incident Investigator to ensure trends, root causes, and potential high-risk areas are highlighted in reporting for better decision-making.
• Attend quarterly performance review meetings with the insurance broker and provider to assess claims metrics and identify areas for continuous improvement in risk management practices.

3. Insurance Strategy & Coverage

• Review and recommend updates to the Group's insurance policies to ensure all operational and fleet activities are adequately covered, with specific focus on motor fleet and goods in transit.
• Work with the Senior Incident Investigator to adjust coverage or contractual terms (e.g. CMR cover, load security) where repeated incidents indicate a gap in insurance protection or operational practice.

4. Vehicle & Fleet Compliance

• Ensure all vehicles meet the necessary insurance requirements, including compliance with the Motor Insurance Bureau (MIB) Fleet Register and Continuous Insurance Enforcement (CIE) regulations.
• Collaborate with the Senior Incident Investigator to ensure that fleet vehicles involved in incidents are thoroughly inspected, and the impact on insurance coverage is assessed (e.g. repair/replacement, write-offs).
• Work with the finance team to update the vehicle asset register, ensuring proper accounting for vehicles entering or exiting the fleet.

5. Legal & Regulatory Oversight

• Maintain up-to-date knowledge of UK Road Traffic Law, Health & Safety regulations, and the Office of the Traffic Commissioner's (OTC) requirements.
• Ensure all incidents are investigated in compliance with legal standards and that any required notifications are submitted to the appropriate authorities (e.g. OTC, HSE).
• Collaborate with the Senior Incident Investigator to support any legal proceedings or investigations related to serious incidents, ensuring that all documentation is prepared and preserved.

6. Driver & Operational Risk Management

• Support the Driver Efficiency Manager and Driver Training Team in identifying high-risk drivers and implementing corrective actions following incidents.
• Provide data and findings from claims and investigations to inform the retraining or coaching needs of drivers involved in repeat incidents.
• Collaborate with HR to handle any disciplinary procedures related to incidents, ensuring proper documentation and fair, legally-compliant processes.

7. Stakeholder Engagement & Communication

• Serve as the main point of contact for all insurance-related matters with brokers, providers, and third-party loss adjusters.
• Coordinate with the Senior Incident Investigator to ensure accurate and thorough reporting to key stakeholders, including external authorities and customers.
• Engage with operational teams to educate and raise awareness about the importance of risk management, compliance, and safe working practices.

Key Working Relationships
Internal:

• Senior Incident Investigator - for incident reporting, evidence gathering, and root cause analysis
• Driver Trainers & Efficiency Manager - for driver retraining and risk assessments
• HR - for handling any disciplinary actions related to incidents or claims
• Finance - to ensure the accurate maintenance of the vehicle asset register and claims recovery
• Compliance Team - for ensuring all incidents and insurance matters comply with legal and regulatory standards

External:

• Insurance brokers and providers - for managing claims, policy adjustments, and risk strategies
• Legal and claims investigation firms - for loss recovery and dispute resolution
• Regulatory bodies (OTC, HSE, DVSA) - for compliance and legal proceedings
• Third-party loss adjusters and repair companies - for settlement negotiations and damage assessments

Person Specification :
Experience - ESSENTIAL

• Strong background in managing insurance and risk for a transport, logistics, or warehousing business

Knowledge- ESSENTIAL

• Knowledge of UK insurance laws, transport regulations, and the Office of the Traffic Commissioner (OTC) requirements

Skills- ESSENTIAL

• Excellent communication, negotiation, and report writing skills

Systems- ESSENTIAL

• Familiarity with insurance platforms, telematics, and fleet management software

Attributes- ESSENTIAL

• Detail-oriented, proactive, calm under pressure, and capable of handling high-stress situations

Experience - DESIRABLE

• Experience in claims management and risk analysis within the transport/logistics sector

Knowledge - DESIRABLE

• Familiarity with fleet management, goods in transit, and vehicle compliance standards

Skills - DESIRABLE

• Ability to analyse complex claims data and develop actionable insights

Systems - DESIRABLE

• Advanced Excel or insurance-specific software skills (e.g. Claims Management Systems)

Attributes - DESIRABLE

• Team-oriented with the ability to collaborate cross-functionally

Salary - Depending on Experience and Qualifications