Assistant Underwriter – Commercial Motor Fleet Insurance

AR Experts Ltd.; Manchester; Vor Ort; GBP 35.000 - 48.000; Vollzeit

Benefits dieser Stelle

Hybrid work model

Career development

Zusammenfassung

AR Experts Ltd is seeking an Assistant Underwriter to support the assessment of commercial motor fleet risks and everyday underwriting operations in Manchester. You will work under senior underwriters and help shape guidelines and rating factors for the BizAlign InsurTech platform.

Join a technology-driven MGA environment where underwriting rules become software, collaborating with claims, telematics, product and engineering teams to turn connected-vehicle data into practical risk decisions.

Qualifikationen

• Experience as an Assistant Underwriter or similar role.
• Knowledge of commercial motor fleet insurance products.
• Ability to interpret risk data and underwriting criteria.
• Strong numerical and analytical skills.
• Willingness to work in a technology-led MGA environment.

Aufgaben

• Support underwriting assessments under supervision of senior underwriters.
• Review fleet data, driver information and claims history.
• Assist with quotations, referrals and policy administration.
• Help develop underwriting guidelines and rating factors.
• Collaborate with claims, telematics, product and engineering teams.

Kenntnisse

Underwriting

Commercial Motor

Fleet Insurance

Data-driven decisions

Communication

Analytical skills

Documentation

Regulatory awareness

Team collaboration

Ausbildung

CII qualification

Insurance qualifications progress

Tools

Bordereaux systems

Underwriting software

Jobbeschreibung

Assistant Underwriter – Commercial Motor Fleet Insurance

About AR Experts Ltd

AR Experts Ltd is a Manchester-based technology company building SaaS platforms, AI solutions, hardware-integrated products and enterprise software , including the BizAlign ecosystem for fleet management, telematics, workforce and business operations.

We are developing BizAlign InsurTech , a technology-driven insurance platform initially focused on UK commercial motor fleet insurance, particularly courier, delivery, rental and other fleet-based businesses. The platform combines insurance operations with our own telematics technology, using information such as driver behaviour, speeding, harsh braking and acceleration, mileage, night-time driving, vehicle health, maintenance records, tamper alerts, theft-related activity, crash detection and FNOL data to support risk assessment, underwriting, claims handling, risk management and potential premium improvements.

We are developing the business as a Managing General Agent and are establishing the appropriate regulatory, underwriting, capacity, compliance and operational arrangements.

About the Role

We are looking for an Assistant Underwriter to support the assessment of commercial motor fleet risks and the day-to-day underwriting operation, working under the supervision of senior underwriters and within agreed authority and risk appetite.

Alongside the core underwriting work, you will help shape the underwriting guidelines, question sets, rating factors and referral criteria that the platform is being built around, and work with our claims, telematics, product and engineering teams to turn connected-vehicle data into practical underwriting decisions. It is a genuinely unusual seat: the underwriting rules you help write become the software we ship.

Key Responsibilities

• Support the assessment of commercial motor fleet risks under the supervision of senior underwriters.
• Review proposal forms, fleet schedules, driver information, claims histories, vehicle details, usage, geography, operational activity and available telematics data.
• Assist with quotations, underwriting referrals, policy endorsements, renewals, mid-term adjustments, cancellations and policy administration.
• Check that applications and supporting documents are complete and accurate before they progress.
• Refer risks falling outside the assigned authority or agreed risk appetite to the senior underwriter, insurer or capacity provider.
• Maintain accurate underwriting records, referral notes, audit trails and decision documentation.
• Help develop underwriting guidelines, question sets, rating factors, acceptance rules, referral criteria and decline rules.
• Support portfolio monitoring, claims-trend analysis, renewal reviews, risk accumulation monitoring, management information and bordereaux preparation.
• Work with the claims, telematics, product and engineering teams to identify connections between driving behaviour, vehicle usage, incidents, claims and loss performance.
• Help assess how telematics data can support risk selection, pricing, fraud detection, accident prevention, theft recovery and renewal decisions.
• Translate underwriting policies and insurance processes into clear workflows and requirements for the BizAlign InsurTech development team.
• Help test quote, referral, bind, policy issuance, endorsement, renewal, cancellation, FNOL, claims-notification and reporting workflows.
• Participate in discussions with senior underwriters, brokers, capacity providers, compliance advisers, claims partners and MGA software providers.
• Support regulatory-readiness, underwriting governance, documentation, Consumer Duty, data protection and treating-customers-fairly activities under appropriate supervision.
• Handle confidential customer, commercial, claims and insurance information securely.
• Undertake relevant professional learning and work towards appropriate insurance or underwriting qualifications where required.

Required Skills & Experience

• Experience as an Assistant Underwriter, Underwriting Assistant, Insurance Technician, Commercial Motor Handler, Fleet Insurance Administrator, Broker Support Executive, or in a similar role.
• Knowledge of commercial motor, fleet, courier, delivery, hire-and-reward, vehicle rental or related insurance products.
• Understanding of quotation, risk assessment, referral, binding, policy issuance, mid-term adjustments, renewals, cancellations, claims and bordereaux.
• Ability to interpret claims histories, fleet schedules, driver information, underwriting criteria and risk data.
• Strong numerical, analytical, documentation, communication and organisational skills.
• Excellent attention to detail.
• Ability to communicate effectively with both insurance professionals and software-development teams.
• Willingness to contribute within an early-stage, technology-led MGA environment where underwriting processes and systems are still being developed.
• CII qualification, or demonstrable progress towards a relevant qualification.
• Experience working within an MGA, insurer, broker or delegated-authority environment.
• Familiarity with FCA-regulated insurance environments and Consumer Duty.
• Experience with capacity providers, bordereaux, claims systems, insurance platforms or delegated underwriting arrangements.
• Knowledge of telematics-based insurance, connected-vehicle data, data analysis or insurance product development.

What You'll Be Working On

Commercial Motor Fleet Risks Courier & Delivery Fleets Hire & Reward Vehicle Rental Underwriting Guidelines Rating Factors & Referral Rules Telematics-Informed Risk Selection Driver Behaviour Data Vehicle Health & Tamper Alerts FNOL & Crash Detection Bordereaux & Portfolio MI Policy Administration Workflows

Working Arrangements & Technical Requirements

• Full-time, mid-level position based in Manchester, UK, with hybrid working as the default arrangement.
• Remote or hybrid working may be considered depending on your suitability and the operational needs of the role.
• A stable, reliable, high-speed internet connection is essential.
• Access to a suitable computer or device capable of securely carrying out your responsibilities and attending video meetings is essential. Company equipment may be provided in line with internal company policy and the requirements of the role.
• Availability during agreed UK working hours.
• Ability to attend virtual meetings, training sessions, product discussions and partner meetings.
• Willingness and reasonable ability to attend on-site discussions, workshops, training sessions or meetings at our Manchester office when required, with reasonable notice.
• The right to work in the UK, or clear disclosure of your current work-authorisation status during the recruitment process.

Why Join AR Experts?

• Help build an underwriting proposition from first principles rather than inheriting one.
• Work where insurance operations and telematics engineering sit in the same room.
• See your underwriting rules become working software in the BizAlign InsurTech platform.
• Broad exposure across underwriting, claims, compliance, product and capacity conversations.
• Support towards relevant professional insurance and underwriting qualifications where required for the role.

AR Experts Ltd is an equal opportunities employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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