Motor Trade Combined Trading Underwriter

code4; Manchester; Hybrid; GBP 36,000 - 43,000; Full time

Job summary

A prominent insurance company is looking for a Motor Trade Combined Trading Underwriter based in Manchester. This hybrid position offers the opportunity to balance work from home with time in the office. Responsibilities include building broker relationships, managing renewals, and ensuring service quality. Candidates should have a strong understanding of underwriting principles and excellent communication skills. The role offers a competitive salary of up to £43,000 and additional benefits including flexible hours and career growth opportunities.

Benefits

Flexible working hours

Annual pay review and performance bonuses

Generous holiday

Pension perks

Diversity and inclusion initiatives

Mental and financial support

Career growth training

Private medical cover

Tusker Car Scheme

Gym discounts and retail offers

Qualifications

• Proven experience in underwriting with property-biased risks.
• Strong problem-solving abilities and prioritisation skills.
• High level of PC and systems proficiency.

Responsibilities

• Build and maintain strong relationships with brokers.
• Manage renewals and new business enquiries.
• Ensure high-quality service through accurate processing.

Skills

General insurance underwriting principles

Building and maintaining relationships

Market trends awareness

Communication skills

Attention to detail

Education

A Level standard (minimum Grade C in Maths & English GCSE)

CII progression preferred

Job description

Motor Trade Combined Trading Underwriter - Manchester

We have an exciting opportunity to join our Underwriting Team as a Motor Trade Underwriter!

At Covéa Insurance, we’re all about protecting what matters most – whether it’s your home, your car, or your business. With our award‑winning customer service and a wide range of insurance products, we’re here to make a real difference.

This is a hybrid position, combining the best of both worlds – working from home and spending time in our Birmingham, Manchester or Halifax office.

This is more than just a job – it’s a chance to grow, develop, and be part of something great.

What are the core responsibilities?

• Build and maintain strong relationships with a defined group of brokers while developing new regional broker connections.
• Apply Covea’s technical underwriting rates and criteria accurately across all risks, referring cases beyond authority to senior underwriters.
• Contribute to Covea’s annual financial plan by managing renewals, mid‑term adjustments (MTAs), and handling new business enquiries.
• Deliver high‑quality service through efficient processing and administration of commercial combined renewals and MTAs.
• Uphold agreed service levels for internal and external customers while maintaining accurate audit trails in Covea systems.
• Stay current on commercial property and liability markets, regional broking trends, and relevant legislation or litigation impacting underwriting.

What you’ll need to succeed:

• Strong knowledge of general insurance underwriting principles, with the ability to accurately process property‑biased risks and escal
• Proven experience in building and maintaining effective relationships with both internal teams and external brokers.
• Solid awareness of market trends, legal developments, and industry changes impacting commercial insurance.
• Excellent communication skills (written and oral), combined with strong problem‑solving abilities, prioritisation, and deadline management.
• High level of accuracy and attention to detail, supported by strong PC and systems proficiency; proactive and innovative in approach.
• Professionally qualified to A Level standard (minimum Grade C in Maths & English GCSE), with CII progression preferred.

Not sure if you tick every box? That’s okay!

At Covéa, we know that great people don’t always meet every single requirement listed in a job ad. If this role excites you and you think you could be a good fit, we’d love to hear from you – so go ahead and apply! We’re all about building a diverse, inclusive team where everyone can thrive.

Why join us?

• Flexible working – 36.25 hours a week with flexitime & hybrid options
• Annual pay review – plus performance bonuses (up to 30% depending on level)
• Generous holidays – 25–27 days + bank holidays, with buy/sell options
• Pension perks – 7.5% employer contribution, rising to 9% with your input
• A culture where everyone belongs – we're committed to diversity, equity & inclusion, with real action, employee‑led community groups, and ongoing learning to make Covéa a place where everyone can thrive
• Mental & financial support – through our dedicated Wellbeing group
• Career growth – training, qualifications & apprenticeships to help you thrive
• Health & wellbeing – private medical cover, 24/7 Virtual GP, health checks, flu jabs & more
• Drive in style – Tusker Car Scheme with fully maintained insured vehicles
• Extra savings – gym discounts, Cycle to Work, and retail offers via Perkpal
• And much more!

Excited about this opportunity? So are we!

Apply today and be part of our journey.

As a Disability Confident Employer, we’re committed to fair and accessible recruitment. If you need any adjustments, support or alternative application options during the Recruitment process, then please reach out to Megan Barraclough or one of our Team at

Applicants must currently reside in the United Kingdom and possess full and unrestricted right to work in the UK. Unfortunately, we are unable to offer Visa sponsorship for this role.

Salary: Up to £43,000

Working hours: 36.25