section-media.jpg

Building a Claim Service Process Your Customers can Appreciate

By Jack Hojnar

Your customers will not likely jump for joy when their new refrigerator breaks or when their rental car finds itself with a few surprise dents in the parking lot. And probably fewer people dream of the day their luggage disappears while traveling.

Sometimes bad things just happen.

But helping your customers is exactly why you provide such products as Purchase Protection, Rental Car Coverage and Lost Luggage.

So then ask yourself this question: am I ready to handle a customer claim?

We hope the answer is “yes.” However, If you are not sure, follow these guidelines below:


1. Cleary Define and Detail Your Coverage
All banks should provide a “Guide to Benefits: Terms and Conditions” document. Don’t make the fine print too small to read and too cumbersome to appreciate. Post this information online as well.

2. Arm Your Claims Center with Every Detail Possible
We know that filing a claim requires receipts and other elements of proof. But do your customers know this fact? From our research and experience from social media monitoring, banks can get slammed during this process. Customers often feel misled when beginning the claims process. Be sure your Claims Call Center makes the claim process easy to understand and simple to execute.

3. Utilize Online Tools
Where and when possible, initiate an Online Claims form and process. Many more of us are connected than ever before and your customers will likely expect you to be connected as well. An online Claims form and online tracking tool keep customers connected.

4. Outreach Efforts
Imagine yourself as your customer, particularly in the event of a claim. Waiting for a response can be difficult. Be sure to take advantage of both your own outreach tools (e.g., email, phone, text) to keep your customer informed of Claim Status or other necessary information.

5. The Bad News
Not every claim will end favorably for your customers. Make sure they are prepared for all types of scenarios prior to providing them a final decision. Even if you do provide them with worst-case scenarios, your customer may still feel let down from the experience. Be sure to be mindful of other ways in which you can help your customer maintain loyalty.


Remember, filing a Claim from your customer’s point-of view means something bad happened. Make sure that you do everything possible to mitigate the loss your customer experiences. The last thing you want is to exacerbate the issue with poor customer service.