Motor Fleet Underwriter

ERS is the UK's largest specialist motor insurer with an A+ rating. We recognise that for some, motor insurance is more than just a must-have; it's a way of taking care of what stands at the heart of their passion or livelihood. For those people, standard insurance isn't enough. That's why we work exclusively with motor insurance brokers to help get under the skin of the most difficult insurance risks, helping build products to meet their customer’s needs.

The Underwriter’s primary responsibility is to write a range of medium to complex risks within the products risk appetite and within own individual underwriting authority. You will also act as a referral point for team members with a lower level of authority helping to develop their technical knowledge and understanding.

The role is market visible which will see you working closely with our broker partners and forming solid trading relationships, these relationships will help ERS achieve their short- and long-term financial plans by seeking to broaden our market penetration.

Success in the role requires technical expertise in our product(s) and frequent collaboration with other business functions to ensure that we leverage capabilities from across the business in delivering first class propositions to our chosen market.

• →Contributing to the execution of the underwriting strategy for the Class of Business, working within the agreed risk appetite and own individual authority to process quotes, renewals, Mid-term adjustments and cancellations.

• →Providing input to the development of our underwriting appetite for our product(s)
• →Assisting in the management of portfolio performance through the analysis of results and the ability to make recommendations.

• →Work with the operational leadership team & technical training team to help identify training needs and support employee development through feedback, coaching and training to improve team competency and performance.

• →Act as our first line of defense. Understand and adhere to the zero- tolerance fraud strategy.
• →Having significant awareness of and ensuring adherence to all regulatory requirements
• →Understand and adhere to the complaint handling process, attempting to resolve complaints informally whenever possible.

• This role carries financial responsibility as well as being recognized as a subject matter expert in your product(s). We therefore require our role holders to demonstrate technical expertise and to use commercial judgment in the fulfilment of their role.
• Good commercial awareness that allows you to identify and take advantage of market opportunities.
• Possess an understanding of pricing practices and methodologies with the ability and experience to help us constantly enhance our pricing capability, providing insight and feedback on our pricing models.
• Possessing interpersonal skills which will allow you to build and maintain relationships. Being able to articulate what a mutually beneficial relationship looks like and being comfortable having at times challenging conversations with our broker partners.
• Highly articulate and numerate