Anup Kumar

Experience

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  Cigna Legal Protection

  May 2011 - Jan 2015

  Legal Expenses Claims Negotiator

  Considering claims in line with policy terms and conditions to ensure they fall within the scope of cover available within the policy or if not too decline the claim. Dealing with property, commercial contract, consumer, clinical negligence, personal injury, boundary disputes, employment, travel all with an emphasis of controlling the costs.Monitoring legal and industry developments, researching how changes impact our organisation and embedding any agreed updates in the firm’s processes. Creating and delivering excellent customer service by treating customers fairly, politely and ensuring all details of the claim are recorded accurately. Ensuring complaints are responded to within 4 weeks and experience of writing complaint letters.Resolving complex claims and ensuring that the solicitors representing the insured are providing us with a full and truthful account of case in terms of prospects of success.Maintaining correct reserves on outstanding cases and informing management if costs in a case are likely to exceed £20,000 or above. Experience in handling large loss claims were insurers liability exceeds over £50,000.Understand and dealt with the issue of adverse costs and costs budgetingDealt with a high value commercial cases in which we paid over £100,000 in legal costs. Attended two company audits to oversee claims handling in Cheltenham Spa. Reason for Leaving: Better opportunity presented and pay rise included. Show less

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  Temple Legal Protection Limited

  Jan 2015 - Aug 2015

  Senior Claims Analyst

  Logging claims and deal with payment of adverse costs. Reviewed claims to see if they comply with policy terms and conditions, for example have declined a claim for material non-disclosure and voided claims if insured too early.Assess claims to see if any fraud or misrepresentation has taken place.Reserve on cases up to £100,000 and provide assistance to less experienced colleagues.Deal with employment law cases and assess prospects of success to see if insurance cover can be provided.Considered contractual disputes in Marine Insurance claims.Considered commercial contractual disputes involving suppliers in agricultural disputes.Discussed cases with senior management saving the company payment over £30,000 in one particular instance.Reviewing or discussing claims with Counsel. Providing advice and training to less experienced colleagues in terms of what to consider when reviewing cases with regards to BTE/ATE insurance.Attending company audits and training seminars as necessary.Reason for leaving: Travel and costs to high so resigned to work closer to London City. Show less

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  Royal Borough of Greenwich

  Sept 2015 - Jul 2016

  Insurance Officer

  I currently process third party legal liability claims against the Council, investigating each claim and obtaining the necessary information. This is in relation to slip/trip property damage claims and public liability.I assess liability using case law and identify the best course of action after reviewing the case. I also undertake site visits and take photographs as necessary. I ensure that all claims are handled in accordance with the Council procedures and best practice guide.I also negotiate settlements in the best interests of the Council and in accordance with guidelines this can be up to £25,000 inclusive of legal costs.I deal with personal injury portal claims and value personal injuries with reference to appropriate source materials for example the JSB. I also ensure accurate reserves are placed on files so the Council are aware of their likely costs.I also have extensive knowledge of the Highways Act 1980 and Occupiers liability Act 1957 & 1984.I also have experience of defending the Council in relation to the Small Claims Court as required.I take notification of motor vehicle claims that the Council report on a daily basis.I also deal with ad-hoc enquires including the Council’s right to buy buildings insurance enquiries and tenants home contents insurance scheme.I consider property damage claims including water leaks, flooding to a Council tenants property and consider the Councils response before a decision on liability is made. Reason for leaving: contract ended after 9 months. Show less

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  HS2 (High Speed Two) Ltd

  Oct 2016 - now

  • Briefings Correpondence advisor

    Sept 2021 - now

  • Briefings correspondence & FOI advisor

    Sept 2021 - Sept 2021

  • Case Officer

    Oct 2016 - Aug 2021