How to become an Insurance Investigator

Insurance investigators conduct investigations into insurance claims to ensure they are valid.

Personal requirements of a Insurance Investigator

  • Aptitude for numbers and calculations
  • sound judgement
  • able to pay attention to detail
  • good communication skills.

Duties & Tasks of a Insurance Investigator

Insurance investigators may perform the following tasks:

  • estimate business losses due to fire, flood, theft, accidents and other business disruptions
  • in some cases and depending on insurance policies, source replacement goods (new or used)
  • assess compliance with policy in regard to security and customer obligations
  • inspect accident scenes and other incidents to determine causes and effects
  • interview the person making the claim to obtain the information required to assess the validity of the claim
  • interview witnesses and prepare statements
  • work out who is responsible for the accident, damage or loss
  • prepare reports on the findings of the investigations
  • work undercover to gather information
  • perform surveillance
  • put together photographic evidence.

Working conditions for a Insurance Investigator

Insurance investigators work both indoors and outdoors when investigating claims and completing associated paperwork. They need to drive to the claimant's location or the location of an incident. Hours are usually regular.

Avg. weekly wage:

$1,538

Future growth:

Moderate

Employment by state:

NSW 47.3%

NT 0%

QLD 9.8%

SA 4.2%

TAS 0.5%

VIC 31.3%

WA 6.1%

ACT 0.8%

Hours worked:

43

Unemployment:

Average unemployment

Gender split:

Male 67%

Female 33%

Education level:

Highest qualification is secondary school: 6.6%

Highest qualification is a Certificate 3 or 4: 4.7%

Highest qualification is a Diploma or Advanced Diploma: 16.4%

Highest qualification is a Bachelor degree: 42.9%

Highest qualification is a Postgraduate Diploma or Graduate Certificate: 26.8%

Age brackets:

15-19 - 0.1%

20-24 - 6.1%

25-34 - 26.8%

35-44 - 22.6%

45-54 - 19.5%

55-59 - 8.2%

60-64 - 7.1%

65 and Over - 9.5%

*The data above is sourced from the Department of Employment’s Job Outlook website.

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