Internal Underwriter - Personal Lines Motor

Howden Group; United Kingdom; On-site; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Life Assurance

Income protection

Pension scheme

Healthcare Cashplan

Discounts & perks

Salary sacrifice

Job summary

Howden Group is seeking an Internal Underwriter for personal lines motor within the Central Underwriting Unit. This home-based role requires occasional visits to Howden Retail branches to promote the department and its schemes.

You will underwrite within delegated authority and bespoke schemes, present and negotiate with insurer partners, and analyse risk presentations to guide underwriting decisions. The ideal candidate will have strong attention to detail, decision-making skills, and the

Qualifications

• Currently working in personal lines motor environment with risk profiling knowledge.
• Underwriting within delegated authority or bespoke schemes and negotiating with insurer partners.

Responsibilities

• Underwrite within delegated authority and bespoke schemes while ensuring profitability.
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Skills

Underwriting

Risk profiling

Insurer engagement

Attention to detail

Decision making

Job description

Who are we? Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden. With a no limits approach, we can rise to any challenge. Whatever the question, the concern, or the risk, we can get the right people in a room and find the right answer. Our collective power is also helping us to change the insurance narrative – doing right by our clients while using insurance as a tool to build resilience for individuals, businesses and communities. We are looking for an Internal Underwriter to join our Central Underwriting Unit focusing on personal lines motor to compliment our existing team. As an Internal Underwriter, you will be responsible for responding to Group enquiries with bespoke schemes and niche placement, ensuring we always deliver excellent service. A home based role requiring occasional visits to Howden Retail branches to promote the department and scheme facilities. This is a great opportunity to join a highly successful organisation at an exciting stage of growth.

About you:

You are currently working within the personal lines motor environment with good knowledge of risk profiling, scheme usage/management and insurer engagement keen to progress your underwriting experience – you will be responsible for underwriting within the confines of various delegated authority/bespoke schemes and where appropriate undertaking presentation and negotiations with key insurer partners as required. You have excellent attention to detail and decision-making skills– as you will be responsible for gathering and analysing risk presentations from Group, making underwriting judgements based on the information available. You will communicate effectively and be able to take a variety of risk profiles translate it into an understandable action, providing technical assistance and advice to colleagues. You will have a passion for delivering an excellent outcome for our clients, via the service provided to branches and colleagues within Group, whilst maintaining clear focus on scheme performance and profitability for our key insurer partners in line with compliance and regulatory requirements. You will be highly organised, enjoy using your initiative and be able to manage your time effectively, as you will be planning your own workload to meet business priorities and timescales.

Rewards:

We believe that great work and dedication should be rewarded, that’s why we offer: 22 days holiday (plus bank holidays), increasing through length of service A set of core benefits, designed with your health and financial protection in mind:

• Life Assurance up to 4x salary, protecting your loved ones in case the worst should happen
• Income protection, guaranteeing an income for up to 5 years in the event of an illness or injury
• Contributory pension scheme – 5% employer contribution and 5% employee contribution.
• Access to a Healthcare Cashplan, which gives you access to a variety of health related benefits
• Access to a host of lifestyle and financial benefits that you can choose from: Discounts on gym membership across the UK
• Salary sacrifice schemes – Travel Insurance, Cycle to Work, Car leasing, Technology purchase
• Access to discounted personal health policies – Critical illness, private medical, dental plans
• A range of insurance products available commission free, including home, motor, travel and specialist vehicles
• Access to hundreds of high-street retailer discounts
• Employee Assistance Programme (EAP) to support employees outside of work

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*. *Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.

Permanent Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long-term, minority growth-equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.