Senior Motor Fleet Underwriter

About the role

You will own the full underwriting lifecycle for a large and growing portfolio of motor fleet clients, making risk decisions that directly shape our pricing and profitability. You will mentor junior team members, providing guidance and support to help them develop technical confidence and strong professional judgment. You will significantly contribute to hitting team targets by identifying opportunities, managing complex accounts, and driving forward key performance metrics. You will help unlock growth into new market segments, offering innovative insurance solutions for emerging mobility trends and supporting our ambition to become one of the UK's largest fleet MGAs. Your expertise will directly drive growth and innovation, positioning us at the forefront of the fleet insurance industry through data-led insights and practical solutions. You will work with AI in the underwriting process itself, using it to pull risk data out of submissions and triage cases faster, which leaves your time for the high-level judgement calls that demand an experienced underwriter. You will identify and surface to our Underwriting Manager areas where we can improve our policy wording and coverage to better serve our clients and remain competitively robust. You will follow rapidly evolving market trends, continuously refurbishing your knowledge of cutting-edge products and services in the Motor Fleet space to ensure our offerings remain relevant and compelling.

Key facts

What you'll do

• Manage and develop a large business portfolio, taking ownership of key accounts and ensuring robust risk assessment and profitable growth.
• Mentor junior team members, sharing your underwriting expertise and helping them build confidence, capability, and sound decision-making.
• Significantly contribute to team targets by proactively identifying opportunities, managing complex risks, and driving forward key performance metrics.
• Unlock growth into new market segments by evaluating emerging mobility trends and supporting the development of innovative insurance solutions for fleet customers.
• Help our Head of Underwriting monitor and analyse the portfolio by collating data, providing clear insights, and highlighting areas for strategic improvement.
• Provide feedback and continuously improve the process for gathering risk information from our clients to ensure frictionless quoting and onboarding for all clients and brokers.
• Identify and surface to our Underwriting Manager areas where we can improve our policy wording and coverage, strengthening our products and competitiveness.
• Follow rapidly evolving market trends, continuously refurbishing your knowledge of cutting-edge products and services in the Motor Fleet market.
• Actively train and develop members of the Underwriting and operations teams, promoting underwriting knowledge across Flock through coaching and structured support.
• Work with AI in the underwriting process itself, using it to extract and check risk information or speed up quoting while retaining your own judgement on every decision.
• Build and maintain strong, supportive relationships with insurance brokers, ensuring clear communication and trust that drive mutual success.
• Analyse portfolio performance to highlight trends, anomalies, and opportunities for pricing adjustments or risk mitigation.
• Support the development and refinement of underwriting policies and procedures, aligning them with best practice and regulatory expectations.
• Contribute to the design and implementation of tools and workflows that streamline underwriting operations and improve the client experience.

Requirements

• Extensive experience underwriting motor fleet insurance, demonstrating a deep understanding of risks, pricing, and product structures.
• A track record of building strong and supportive relationships with insurance brokers, based on trust, transparency, and consistent delivery.
• The ability to collate data and provide support to our Head of Underwriting to enable them to monitor and analyse the portfolio effectively.
• Provide feedback and continuously improve the process for gathering risk information from our clients, in order to ensure frictionless quoting and onboarding for all clients and brokers.
• Identify and surface to our Underwriting Manager areas where we can improve our policy wording and coverage to better serve our clients and remain competitively robust.
• Follow rapidly evolving market trends, continuously refurbishing your knowledge of cutting-edge products and services in the Motor Fleet space.
• Actively train and develop members of the Underwriting and operations teams and to help promote Underwriting knowledge across Flock.
• Comfortable using AI in underwriting work, for example extracting and checking risk information or speeding up quoting, while keeping your own judgement on every decision.

Nice to have

• Experience in dealing with large corporate customers.
• ACII qualified or working towards.
• Experience of working closely with product teams to ensure product, process and customer journey enhancements are included within the product roadmap.

Practical notes

• 25 days of holiday (+ Bank Holidays).
• Hybrid working model with a minimum of 3 days per week in the office in Central London, a few minutes walk from Moorgate and Liverpool Street.
• If your role involves visits to client sites and broker offices, then this can be substituted for office days.
• Enhanced Parental Leave and Pay.
• £1000 toward relevant professional qualifications.
• £500 per annum towards learning and development.
• 3 days paid leave for L&D purposes.
• Private Medical Insurance including Optical and Mental Health support options.
• Share Incentive Plan and Workplace Pension.
• Various Salary Sacrifice Schemes including Holiday Purchase, Tech, Gym, Cycle to Work, Electric Vehicle, and Private Medical Insurance for families.
• At Flock, we typically follow a hybrid working model involving a minimum of 3 days per week spent in the office, which is based in Central London, a few minutes walk from Moorgate and Liverpool Street. Please note if your role involves visit to client sites and broker offices, then this can be substituted for office days.
• One last thing..
• Authenticity is important to us. We value the unique qualities and experiences you bring. So if you apply, just be your genuine self. It's who we want.