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Generated wave 2 role map

Section 250 map for insurance claims directors

A claims director in an insurance business may require s.250(3) review where their authority shapes a substantial part of claims handling, delegated authority, complaints, or loss-control governance. This pilot page keeps the analysis functional and source-led while avoiding invented coverage statistics.

Functional-test signals

These signals are prompts for review. They do not decide the legal answer; they show what a compliance team should evidence when assessing whether the role plays a significant role in managing or organising the firm.

Authority over claims strategy, reserving escalation, or delegated claims authority across material product lines.

Power to approve claims policies, claims-control frameworks, or operational standards used by handlers and outsourced providers.

Responsibility for complaints, litigation escalation, fraud referral, or customer-harm remediation pathways.

Participation in executive or risk committees where claims decisions influence how the business is managed or organised.

Evidence to collect

  1. Record the claims responsibilities being tested against s.250(3).
  2. Cross-reference the role against SM&CR records, committee memberships, delegated authority matrices, and claims policies.
  3. Document why the role is included, excluded, or referred for legal review.
  4. Attach the conclusion to the governance evidence pack and renewal cadence.

Asset-backed coverage context

These aggregate values come from the latest coverage asset rows. They describe source-role coverage quality only; they do not decide whether claims director in insurance satisfies the statutory test.

Sample firms in latest coverage asset

3

Source roles in latest coverage asset

33

SMF holders in latest coverage asset

33

Unresolved source roles in latest coverage asset

0

Source date2026-05-19
Methodologycoverage-derivation-v1
Output hasha5dae2ee03f9

Asset-derived source-role context only; not a Section 250 exposure determination.

Caveats

  • The s.250 test is functional, not title-based. A job title alone is not enough.
  • SM&CR is a useful baseline, not the statutory boundary.
  • Section 250 is corporate attribution, not a failure-to-prevent offence.
  • This page is general information and not legal advice on any specific role.

No benchmark count is claimed on this pilot page. The page uses a thin data stub until Phase 2 supplies a measured FCA-register and coverage dataset.

Sources