Claims Fraud Handler

About Zego

At Zego, we understand that traditional motor insurance holds good drivers back. It's too complicated, too expensive, and it doesn't reflect how well you actually drive. Since 2016, we have been on a mission to change that by offering the lowest priced insurance for good drivers.

From van drivers and gig workers to everyday car drivers, our customers are the driving force behind everything we do. We've sold tens of millions of policies and raised over $200 million in funding and picked up numerous awards, including the Insurance Claims Team Of The Year 2024 as awarded at The Insurance Post's Claims & Fraud Awards. And we’re only just getting started.

That’s where you come in...

We are looking for a proactive and detail-driven Fraud Claims Handler to join our growing Claims team. In this role, you will be responsible for investigating, assessing, and managing claims where fraud is suspected, ensuring fair outcomes for genuine customers while protecting the business from financial risk.

You’ll work closely with Claims, Underwriting, Data, and external partners to identify fraudulent behaviour, gather evidence, and make informed decisions. This is a great opportunity for someone with strong analytical skills and a keen eye for detail who wants to make a real impact.

Using a combination of industry-standard tools, trusted data sources, and innovative technologies such as AI and telematics, you’ll make swift, accurate decisions that safeguard both the business and our customers. 

What You'll Be Doing

Fraud Investigation & Case Management

• Manage a portfolio of complex and high-risk suspected fraud motor claims, from first notification to settlement.
• Undertake detailed investigations into liability, causation, quantum, and behavioural inconsistencies to identify fraud.
• Prepare robust case strategies, especially where claims progress into litigation.
• Review intelligence, fraud indicators, and data sources to identify trends and emerging fraud patterns.
• Use fraud detection tools such as SIRA, IFB Shift, and IFI Hub to identify risk, patterns, and linked behaviours.
• Identify emerging fraud patterns and support intelligence-sharing initiatives.

Stakeholder Collaboration

• Work with customers, witnesses, repairers, solicitors, medical agencies, and internal teams to gather and challenge evidence.
• Liaise with external partners or databases and industry data services to build strong evidential support.
• Collaborate with internal Claims, Underwriting, and Pricing teams to ensure accurate risk assessment and fraud controls.
• Engage with panel solicitors, ensuring strong defence strategies and cost-effective outcomes.

Technical Expertise & Support

• Provide guidance and mentoring on fraud identification, case strategy, and investigation best practice.
• Act as a technical referral point for suspicious activity and complex fraud queries.
• Deliver and support fraud awareness training across the claims teams.
• Assist in developing internal processes, fraud controls, and continuous improvement projects.

Reporting & Compliance

• Maintain clear, accurate case records and produce concise updates for senior stakeholders.
• Ensure compliance with fraud policies, regulatory requirements, and industry standards.
• Support reinsurers and carriers through timely reporting, clear fraud rationale, and outcome summaries.
• Provide case insight and recommendations on litigated matters where fraud has been alleged or identified.

• Collaborate with the intelligence team to enhance referral quality and improve fraud prevention outcomes.

What You'll Need to Be Successful

Fraud & Claims Expertise

• Proven experience handling suspected fraudulent motor claims, including staged accidents, induced collisions, phantom passengers, fraud rings, and exaggerated injuries.
• Strong grasp of indemnity, liability, causation, quantum, and fraud types.
• Experience in using telematics in claims and fraud is an advantage.
• Good knowledge of Civil Procedure Rules, OIC/MOJ, litigation processes, and fraud-specific legislation.
• Experience handling litigated claims is a major advantage, enabling confident defence of fraud cases.
• Use fraud detection tools such as SIRA, IFB Services to identify risk, patterns, and linked behaviours.
• Background in Personal Injury and Credit Hire claims, particularly where fraud risk is present.

Investigation Skills

• Skilled in creating investigation plans, analysing inconsistencies, and interpreting intelligence from industry databases.
• Ability to identify fraud typologies and escalate intelligence appropriately.
• Strong negotiation skills, able to challenge fraudulent behaviour robustly and professionally.

How we work

We believe that teams work better when they have time to collaborate and space to get things done. We call it Zego Hybrid.

We foster a flexible approach that empowers every Zegon to perform at their best. We ask you to spend one day a week in our central Halifax or London office. We also spend some time in our London or Halifax office for company and team events, normally once a quarter. We offer hybrid travel contributions and help you pay towards other travel costs. We think it’s a good mix of collaborative face time and flexible home-working, setting us up to achieve the right balance between work and life.

Our approach to AI

We believe in the power of AI to meaningfully improve how we work - helping us move faster, think differently, and focus on what matters most. At Zego, we encourage people to stay curious and intentional about how AI is leveraged in their work and teams to drive practical impact every day. This is your chance to do the most meaningful work of your career - and we’ll provide you with the tools, support, and freedom to do it well.

Benefits

We reward our people well. Join us and you’ll get a market-competitive salary, private medical insurance, company share options, generous holiday allowance, and a whole lot of wellbeing benefits. And that’s just for starters.

We’re an equal-opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status.