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Elements and Performance Criteria

  1. Develop and apply an understanding of the insurance industry
  2. Develop and apply an understanding of government Acts and regulations relevant to the insurance industry
  3. Develop and apply an understanding of loss assessment processes

Required Skills

Required skills

technical skills to compare condition of vehicle to incident description and analyse outcomes to determine incidentrelated damage

communication skills to

use insurance industry terminology and vocabulary

engage with repairers and specialist providers

literacy skills to

apply loss assessment processes procedures and policies

interpret and apply statutory insurance industry principles obligations and compliance requirements

use common industry terminology

understand broad insurance industry structure functions and relationships

apply organisationspecific policies procedures and processes

write reports and fill out templates and proformas

numeracy skills to

interpret technical measurements

determine accuracy of vehicle damage estimate

problemsolving skills to clarify policy and privacy law discrepancies

technology skills to use communication devices and computerised equipment to access insurance industry information

Required knowledge

technical knowledge of motor vehicle mechanical electrical surface and structural

damage and faults

dismantling and repair methods

methods of sourcing current retail costs of vehicles and vehicle components and materials

vehicle inspection and damage assessment procedures and methodologies including repair setups and dismantling procedures

current assessing and quoting methodologies

relevant automotive websites to locate current best practice and future trends information

general insurance industry knowledge including relevant sections of

Competition and Consumer Act

contract and insurance law

copyright law

Insurance Contracts Act

intellectual property

Motor Vehicle Insurance and Repair Industry Code of Conduct

personal legal liability

privacy law

State or Territory Fair Trading Act

methods of sourcing manufacturer and component supplier specifications including workshop manuals and repair guides

applicable commonwealth state or territory laws regulations and standards relating to vehicle loss assessment including

environmental regulations

legislation

Workplace Health and Safety WHS Act

workplace processes policies and procedures relating to vehicle loss assessment and reporting requirements

Evidence Required

The evidence guide provides advice on assessment and must be read in conjunction with the performance criteria required skills and knowledge range statement and the Assessment Guidelines for the Training Package

Overview of assessment

Critical aspects for assessment and evidence required to demonstrate competency in this unit

The evidence required to demonstrate competency in this unit must be relevant to workplace operations and satisfy all of the requirements of the performance criteria and required skills and knowledge

A person who demonstrates competency in this unit must be able to

use insurance industry terminology and vocabulary in the correct context

understand and comply with insurance industry principles obligations and compliance requirements

identify relevant reporting requirements

apply loss assessment processes procedures and policies

determine incidentrelated damage

write reports including vehicle assessment reports and WrittenOff Vehicles Register WOVR

determine accuracy of vehicle damage estimate

Context of and specific resources for assessment

Competency is to be assessed in the workplace or a simulated workplace environment that accurately reflects performance in a real workplace setting

Assessment is to occur

using standard workplace practices and procedures

following safety requirements

applying environmental constraints

Assessment is to comply with relevant

regulatory requirements

Australian standards

industry codes of practice

The following resources must be made available for the assessment of this unit

a range of motor vehicles with both minor and extensive damage

relevant documentation including manufacturer specifications and costs workshop and body repair manuals estimate documentation incident description and repair order

relevant information eg staff numbers and availability cost parameters and external contractor information

relevant tools and equipment

repair job details

Repair Times manuals

Method of assessment

Assessment must satisfy the endorsed Assessment Guidelines of this Training Package

Assessment methods must confirm consistency and accuracy of performance over time and in a range of workplace relevant contexts together with the application of required skills and knowledge

Assessment methods must be by direct observation of tasks and include questioning on required skills and knowledge to ensure correct interpretation and application

Competence in this unit may be assessed in conjunction with other units which together form part of a holistic work role

Where applicable reasonable adjustment must be made to work environments and training situations to accommodate the needs of diverse clients

Assessment processes and techniques must be culturally sensitive and appropriate to the language literacy and numeracy capacity of the candidate and the work being performed


Range Statement

The range statement relates to the unit of competency as a whole. It allows for different work environments and situations that may affect performance. Bold italicised wording, in the performance criteria, is detailed below. Essential operating conditions that may be present with training and assessment (depending on the work situation, needs of the candidate, accessibility of the item, and local industry and regional contexts) may also be included.

Terminology and vocabulary must include:

agreed value

assessments

certificates of insurance

claims

depreciation

excess

indemnity

market value

misrepresentation

mitigation

no claim:

bonus

discount

rating

non-disclosure

policy book

pool of funds

premium

pre-accident condition

product disclosure statement (PDS)

reinsurance

renewals

subrogation

underwriting

unreasonable or capricious grounds.

Trends and technology may include:

digital imaging

electronic-based researching and reporting

laptop

mobile phone

tablet.

Principles, obligations and compliance requirements must include:

Australian Prudential Regulatory Authority (APRA) regulations

Financial Services Reform (FSR) Act

General Insurance Code of Practice

Insurance Contracts Act, including:

duty of disclosure

utmost good faith

intellectual property principles and practice

Motor Vehicle Insurance and Repair Industry Code of Conduct

Competition and Consumer Act

copyright law

privacy law

commonwealth, state or territory regulatory requirements

statutory changes to the criteria of the national WOVR.

Reporting requirements may include:

WOVR

state or territory statutory requirements and reporting documentation.

Loss assessment processes, procedures and policy may include:

filling out and submitting a template or proforma:

assessment report

WOVR

writing and submitting:

assessment report

fraud indicator report

PDS

vehicle condition report

WOVR.

Condition of vehicle may include:

damage while parked

direction of impact (DOI) appropriate to incident description

old and inconsistent damage

potential for roadworthiness

pre-accident condition and potential contributing factors

registration

transfer damage

vehicle identification number (VIN).