Excellent claims handling is key to ensuring that all Britannia Members receive the maximum benefit from mutual insurance. This is true whether for Owners or Charterers and in both P&I and FD&D cases. Successful claims handling permits us to resolve problems effectively and to minimise financial impact for both Members and the Club. Maintaining this close contact on claims provides us with great awareness of individual Members’ operations as well as a broad knowledge of issues experienced across the Club’s membership.
Britannia’s Claims Teams
Britannia’s claims handlers are organised into separate claims teams relating to the Members’ common geographical locations. Claims handlers develop close working relationships with individual Members, establishing in depth knowledge of their trades, operations and claims history. In this way, we are better able to respond appropriately to an individual Member's needs.
Claims handlers work in an open environment to share the benefit of their knowledge. Claims teams mix individuals’ experience to balance expertise: qualified lawyers from multiple jurisdictions, years of seagoing experience and sound commercial backgrounds in relevant markets.
The claims teams based in London control the handling of all claims, assisted by our own people based in key locations around the globe. This ensures that all Members' claims are dealt with in a consistent manner. To promote a mutual approach, we regularly assess the development of larger claims and matters of general importance.
Control and Responsibility
Wherever possible, the Club's claims handlers handle the resolution of claims ‘in-house’. There are a significant number of legally qualified claims handlers working together with ex-seafarers in the claims teams, giving Britannia the ability to handle claims themselves, without using external lawyers or experts.
When appropriate for claims handlers to appoint external lawyers and experts, they will work under the close guidance of the Club. Not only does this preference for handling claims 'in-house' minimise costs to the Club and its Members, it also means that the Club's claim handlers are able to keep close control over the outcome of the claims as well as maintaining close working relationships with the Members.
Specialised Personal Injury and FD&D Claims Handling.
Because of the specialised nature of personal injury and Freight Demurrage & Defence (FD&D) claims, the Club has dedicated claims staff to handle these matters.
All personal injury or other crew related claims are dealt with by our personal injury team. Because personal injury claims are often only one element in a more complicated P&I claim, the personal injury claims team maintains a close relationship with the Member's regular claims team.
FD&D claims are always handled by a qualified lawyer experienced in FD&D matters. They will generally be part of the Member's regular P&I claims team and will also be an FD&D specialist. FD&D claims handlers also assist Members in reviewing contracts and providing legal guidance separately from handling cases.
Britannia global network of local correspondents are a vital link in the successful handling of claims, particularly at the earliest stages after an incident. Correspondents are available 24/7 to provide expert local advice, appointing surveyors and lawyers as appropriate. Members and their vessels and crew have direct access to the Club's correspondents in all major ports. In emergency situations, the Club correspondents can take necessary action without contacting the Managers.
The Club’s correspondents are experts in P&I matters and, in appropriate areas may also be qualified lawyers. They maintain contact with specialist surveyors, experts and relevant authorities in their area. The correspondents often play a key role in the prompt issuance of a Club letter of guarantee in the event of an actual or threatened ship arrest. Throughout the life of a claim, the Club’s correspondents may continue to provide local knowledge and communications, including conducting local investigations and negotiations when instructed by the Club’s claims handlers.
Britannia constantly reviews the performance of its correspondents to ensure that Members always receive the best available service.