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Description

Insurance Claims and Policies: Underwriting, Handling and Settlement

Secure the full life of an insurance policy, from risk declaration through to claim settlement

  • 2 days — 14 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

A claim is settled badly when the policy was framed badly: unsuitable cover, imprecise risk declarations, exclusions discovered only at the handling stage. The handler then arbitrates between the wording of the policy and the client relationship, without always holding the evidence required.

Two days online to connect the two key stages of the role: formation of the contract with its disclosure obligations, then claim handling through to settlement and recovery. The files worked on cover property damage and third-party liability claims.

Learning objectives

  • Identify the legal effects of each stage in the formation of an insurance contract
  • Verify the scope of cover and the application of exclusions to a claim
  • Handle a claim notification and build the evidence file
  • Manage a loss adjustment and challenge the conclusions of the report
  • Calculate an indemnity taking account of deductibles and contractual limits
  • Pursue a recovery action against the liable third party

What makes this programme different

Each participant handles a complete claim file through to the settlement letter
Declinature letters drafted in session are challenged by another participant
An adversarial loss adjustment is replayed from a report containing debatable points

Programme

1Formation and life of the insurance contract

What is decided before the claim

  • Insurance proposal and declaration of the risk
  • Inception and duration of the policy
  • Change in the risk during the policy period
  • Suspension, cancellation and non-payment of premium
  • Information duties borne by the insurer

2Cover, exclusions and qualification of the claim

Read the policy before paying

  • Purpose of the cover and insured events
  • General and specific exclusions
  • Deductibles, caps and contractual limits
  • Qualification of the triggering event and date of loss
  • Multiple policies and overlapping cover

3Claim handling and loss adjustment

Building evidence and valuation

  • Notification, time limits and expected documents
  • Protective measures and preservation of evidence
  • Scope of the adjuster's mandate and conduct of operations
  • Counter-appraisal and technical arbitration
  • Handling files that present inconsistencies

4Settlement, indemnity and recovery

Closing the file without leaving exposure

  • Indemnity calculation and average clause
  • Depreciation, reinstatement value and replacement
  • Drafting a reasoned declinature letter
  • Settlement agreement and discharge receipt
  • Subrogated recovery against the liable third party

Who is it for

Claims handlers, underwriters, insurance advisers and brokerage staff.

Prerequisites

Experience in managing insurance policies or claims.

Dates & locations

12 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.