Senior Motor Trade Underwriter - Manchester; Halifax; Birmingham

We have an exciting opportunity to join us at Cova Insurance as a Senior Motor Trade Underwriter within our Commercial Lines Team. At Cova Insurance, we're all about protecting what matters most whether it's your home, your car, or your business. Through award-winning customer service and a wide range of insurance solutions, we strive to make a genuine difference for our customers, partners and each other.

This role plays a key part in the profitable development of the Midlands, North and Scotland region, as well as our wider Mid-Market portfolio. You'll have the opportunity to use your expertise to underwrite new business, support existing portfolios and build meaningful, long-term relationships with our broker partners.

We're looking for someone who brings solid Motor Trade underwriting experience and enjoys working collaboratively with brokers to find the right outcomes for everyone involved. This role is hybrid, offering the flexibility to work from home alongside time in our Manchester office (2 days a week).

Flexibility that works for you

At Cova, balance genuinely matters. We recognise that everyone's circumstances are different, so we're open to flexible hours, alternative working patterns and arrangements that fit around your life. Many of our colleagues already work flexibly, and we're always happy to have an open conversation about what would work best for you.

This is more than just a job; it's an opportunity to grow, develop, and take on meaningful responsibility as part of a supportive and collaborative team.

What does a typical day look like?

• Underwriting bespoke commercial motor trade risks in line with Cova's strategy and underwriting criteria
• Supporting profitable growth by underwriting both new and existing business, including regular onsite underwriting at broker offices
• Building and maintaining strong, trusted relationships with a panel of Mid-Market brokers
• Keeping up to date with market developments, legislation and trends that may impact underwriting decisions
• Working collaboratively within agreed authority limits, referring cases where appropriate
• Supporting the development of Cova's commercial lines portfolio by strengthening existing relationships and encouraging new broker partnerships

What you can bring to the team

• Experience underwriting and trading commercial motor products
• Strong relationship-building and stakeholder management skills
• Awareness of market, legal and industry developments
• The ability to manage and prioritise work effectively across a varied portfolio
• Clear, confident communication skills, with the ability to explain and promote Cova Insurance products positively

Not sure you tick every box? That's okay. At Cova, we know that people don't always meet every requirement and that potential matters just as much as experience. If this opportunity excites you and you feel you could thrive in the role, we'd love to hear from you.

We're committed to building a diverse and inclusive workplace where everyone feels supported, valued and able to do their best work.

Why join us?

• Flexible working 36.25 hours per week with flexitime and hybrid options
• Annual pay review plus performance-related bonus (up to 30%, depending on level)
• Generous holiday allowance 25-27 days plus bank holidays, with buy/sell options
• Pension 7.5% employer contribution, rising to 9% with your contribution
• A culture where everyone belongs - employee-led communities, inclusive initiatives and continuous learning
• Mental and financial wellbeing support through our dedicated Wellbeing group
• Career growth - professional training, qualifications and apprenticeships
• Health and wellbeing benefits - private medical cover, 24/7 Virtual GP, health checks, flu jabs and more
• Car benefits - Tusker Car Scheme with fully maintained, insured vehicles
• Everyday savings - gym discounts, Cycle to Work scheme and retail offers via Perkpal and much more

Excited about this opportunity? So are we. Apply today and be part of our journey.

As a Disability Confident Employer, we're committed to fair and accessible recruitment. If you need any adjustments or support during the recruitment process, please contact our Recruitment Team.

Applicants must currently reside in the UK and have full, unrestricted right to work. Unfortunately, we're unable to offer visa sponsorship for this role.

Salary: Dependant on Experience

Working hours: 36.25