MeteorWrite is a specialist motor insurance broker working with UK insurance intermediaries. We are recruiting an experienced Motor Insurance Underwriter to assess, price and manage specialist motor risks across commercial and personal lines products. This is a broker-facing role for someone who combines sound technical judgement with a practical approach and wants to support profitable growth, strong portfolio performance and good customer outcomes within a small, collaborative team.
What you will do
- Underwrite new business, renewals and mid-term adjustments in line with delegated authority, insurer requirements, scheme appetite, underwriting guides and referral rules.
- Assess specialist motor risks across commercial and personal lines, quote and negotiate cover, terms, conditions and pricing, and record a clear rationale for material decisions.
- Identify risks outside authority or appetite and refer them promptly with a concise recommendation and supporting evidence.
- Build productive broker relationships, respond to enquiries and use commercial judgement to win and retain suitable business on appropriate terms.
- Maintain accurate and complete policy and referral records on our insurance platform and relevant insurer, enrichment and fraud prevention systems.
- Apply underwriting controls consistently, including claims, address, sanctions, fraud and other validation checks, escalating exceptions appropriately.
- Use individual and scheme performance information, emerging trends and recurring referral themes to support portfolio monitoring and improvement.
- Work with Trading, Pricing, Operations, Claims, Compliance, insurers and external partners to resolve issues and improve broker and customer outcomes.
- Support quality checking, peer review, coaching, knowledge sharing and practical process improvements as reasonably required.
- Operate within allocated underwriting and financial authority and comply with delegated authority, audit, data protection, information security, Consumer Duty, FCA Conduct Rules and mandatory training requirements.
What we are looking for
- Relevant general motor insurance experience, including hands-on underwriting or structured underwriting support, with evidence of sound risk assessment.
- Experience of personal lines or commercial motor underwriting is essential. Experience across both, or within delegated authority, specialist schemes or broker-facing trading, is desirable.
- Understanding of underwriting principles, policy terms, authority limits, referrals, accurate record keeping and fair customer outcomes.
- Ability to analyse information, identify missing or inconsistent evidence, reach proportionate decisions and explain the rationale clearly.
- Clear written and verbal communication, confidence discussing decisions and the ability to build constructive professional relationships with brokers and colleagues.
- Good negotiation, problem-solving and commercial decision-making skills, with strong attention to detail and effective workload management.
- Competent use of Microsoft 365 and insurance systems. Experience with underwriting platforms, data enrichment tools, MI or spreadsheets is desirable.
- Certificate in Insurance, Dip CII or active progress towards a relevant professional qualification is desirable. Equivalent relevant experience will be considered.
- Integrity, accountability, collaboration, customer focus, adaptability and commitment to ongoing learning and continuing professional development.
Our culture and offer
We value expertise, strong principles, integrity, cooperation, fairness, openness, trust and strong relationships. You will work closely with experienced colleagues, contribute ideas, share knowledge and continue your professional development. The role is primarily based in Rochford, Essex, with flexibility to work remotely from time to time. Full details of the benefits package and any discretionary bonus will be confirmed during the recruitment process.
Equal opportunity
MeteorWrite welcomes applications from people with different backgrounds and experiences. Assessment will be evidence-based and applied consistently to all candidates. Reasonable adjustments will be considered throughout the recruitment process.
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