MI Select
Fleet Motor Underwriter
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Fleet Motor Underwriter
Location: Central London
Salary: Competitive Salary + Generous Bonus + excellent benefits
Working pattern: Hybrid - 3 days onsite 2 days from home
Start: ASAP
The Opportunity
An established specialist insurance business is looking to appoint an experienced Fleet Motor Underwriter to join its underwriting team.
This role is focused on assessing and underwriting fleet motor risks, with responsibility for making sound commercial decisions across new business, renewals, and policy changes. The successful candidate will need strong technical fleet underwriting knowledge, good broker-facing capability, and the confidence to handle cases that require judgement rather than a purely automated approach.
You will work closely with brokers and internal teams to support profitable growth, maintain underwriting discipline, and contribute to the ongoing development of the portfolio.
Key Responsibilities
- Underwrite fleet motor risks across new business, renewals, and mid-term changes.
- Assess risk quality, claims experience, vehicle usage, driver profile, trade type, and overall fleet exposure.
- Make underwriting decisions within agreed authority levels, guidelines, and appetite.
- Price, negotiate, and structure terms with a focus on profitability and long-term account performance.
- Build and maintain strong working relationships with broker partners.
- Act as a technical referral point for colleagues on fleet-related underwriting queries.
- Provide insight on market conditions, broker performance, rating adequacy, and portfolio trends.
- Work with pricing, claims, operations, and compliance teams to support effective underwriting outcomes.
- Support improvements to underwriting appetite, process, and risk selection.
- Help maintain technical standards across the team through guidance, feedback, and knowledge sharing.
- Ensure underwriting decisions are made in line with regulatory requirements, internal controls, and conduct standards.
- Identify and escalate potential fraud, complaints, or conduct issues where appropriate.
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About You
You will have proven experience in fleet motor underwriting and be comfortable handling risks that require technical assessment, commercial judgement, and broker negotiation. You should be confident reviewing fleet presentations, understanding risk information, challenging where needed, and making decisions that balance growth with underwriting discipline.
Essential Experience
- 3 to 5 years previous experience underwriting fleet motor risks.
- Strong understanding of fleet rating, risk selection, and underwriting considerations.
- Experience assessing claims history, driver information, vehicle schedules, occupations/trades, and usage patterns.
- Ability to work within underwriting authority limits and make commercially sound decisions.
- Confident dealing with brokers and negotiating terms.
- Good numerical and analytical skills.
- Ability to interpret performance data and identify risk trends.
- Strong communication skills, both internally and externally.
- Good understanding of insurance regulation, conduct risk, and underwriting governance.
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Desirable Experience
- Experience in commercial motor, specialist motor, courier/delivery, taxi, haulage, motor trade, or non-standard fleet risks.
- Exposure to portfolio analysis, pricing feedback, or underwriting appetite reviews.
- Experience acting as a referral point or supporting less experienced underwriters.
- Progress towards professional insurance qualifications would be beneficial.
Package
- Competitive salary
- Bonus opportunity
- Holiday allowance
- Pension and flexible benefits
- Employee wellbeing support
- Professional development and study support
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