Welcome to Claims-Help.net!

I am a former insurance claims manager and worked for some of the largest insurers and insurance brokers in the world. I say 'worked' as I now run my own business making educational software. I started with the Royal Insurance Company when I left school and was trained by them. At the time they were seen as the cream of the crop of the insurance world and if you were trained by them, any other company was pleased to employ you. I worked my apprenticeship in motor claims and then moved to the Sedgwick Group insurance brokers, which then was the number 2 in the world. I moved up to claims manager after a few years and was dealing with motor, household and commercial claims. I then moved to another top broker but I had to give up my career to look after my disabled son at home.

Now over 50 and no longer looking after my son, I found that the insurance world no longer was interested in age and experience, with young and cheap being the preferred qualities. Hence I have no ties or allegiances to any insurance organisation and can tell it how it is and hopefully help others at the same time.

Insurers like banks are just legalised gambling institutions where business people take risks by asking for your money to cover you for any potential crisis that you may suffer. They do this on the basis that most of their policyholders will not need their financial help during their period of insurance and those that do, they pay out from the money they received from everyone else. Insurance brokers are just an agent between the insurer and the policyholder taking their slice of the cake, normally for doing very little other than introduce you to a particular insurer.

On the claims side, we were obviously under pressure to pay out as little as possible if a claim occurred and we were seen as very lowly individuals in the scheme of things as we produced no income, just handed it out.

On this website I intend to let you know more about uninsured losses, knock for knock agreements, loss adjusters, loss assessors, Lloyds of London, what you should claim for, how you should claim and more.

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Uninsured Losses

Basically, uninsured losses are those out of pocket expenses that are not covered by your insurance policy. Normally in the case of a car accident claim where you were not responsible ... More…

Loss Adjusters

Unlike a loss assessor, a loss adjuster works on behalf on the insurance company, although they go to great pains to appear impartial. At the end of the day however, their bill is paid by.... More…