Technical Underwriting Expert - Commercial Motor

Aviva; Birmingham; On-site; GBP 63,000 - 77,000; Full time

Benefits offered by this job

SalaryCirca £70,000

Bonus opportunity 12%

Pension scheme matching

29 days holiday plus bank holidays

Private Medical Benefit

Retail discounts

Matching Share Plan

Save As You Earn

parental and carer’s leave

Flexible benefits

Volunteer days

Wellbeing support

Job summary

Aviva is seeking a Technical Underwriting Expert for Commercial Motor in the UK, based in Leeds, Norwich or Birmingham. You will lead complex technical underwriting decisions, shape risk appetite and contribute to profitable growth while ensuring governance and regulatory alignment.

Join a market-leading insurer where you will collaborate across underwriting, claims, compliance, legal, actuarial and reinsurance teams to enhance guidelines, strengthen technical capability, and deliver robust,

Qualifications

• Extensive Commercial Motor underwriting experience.
• In-depth knowledge of motor insurance legislation and the Road Traffic Act.
• Experience reviewing policy wordings, endorsements, exclusions and coverage issues.
• Good understanding of reinsurance and treaty arrangements.
• Strong analytical and decision-making skills with ability to coach colleagues.

Responsibilities

• Shape underwriting risk appetite and governance for commercial motor, supporting profitable growth and portfolio performance.
• Provide expert guidance on complex risks, support referrals, review policy wordings and coverage.
• Ensure underwriting decisions are technically robust and aligned with appetite and governance.
• Collaborate with underwriting, claims, compliance, legal, actuarial and reinsurance teams to drive governance and continuous improvement.
• Develop underwriting guidelines and enhance technical capability within the team.

Skills

Commercial Motor underwriting

Policy wordings knowledge

Reinsurance knowledge

Analytical skills

Coach colleagues

Job description

Technical Underwriting Expert - Commercial Motor

Salary : Circa £70,000

Locations : Leeds, Norwich or Birmingham.

Are you someone who has extensive Commercial Motor underwriting experience and enjoys solving complex technical challenges?

This is a fantastic opportunity for an experienced Commercial Motor Underwriter who is passionate about technical underwriting excellence, policy coverage, portfolio performance and the future of motor landscape. You may already be operating in a technical underwriting capacity or be a senior underwriter ready to take the next step, using your expertise to influence risk appetite, governance, and commercial decision-making within a market-leading insurer. Based within our Commercial Motor team reporting to our Chief underwriting officer, you will play a key role in shaping risk appetite ,supporting profitable growth, researching emerging risks and the future of motor landscape and ensuring underwriting decisions remain aligned to appetite, governance, and regulatory requirements.

A bit about the job:

You'll join a specialist team responsible for shaping and developing our Commercial Motor Underwriting Risk appetite, ensuring we continue to meet the evolving needs of our customers while supporting profitable growth across all commercial motor lines and distribution channels. As a Technical Underwriter , you'll provide expert guidance on complex risks, support underwriting referrals, review policy wordings and coverage issues, and ensure underwriting decisions remain technically robust, commercially sound, and aligned with our risk appetite. Working closely with colleagues across underwriting, claims, compliance, legal, actuarial, and reinsurance teams, you'll play a key role in maintaining governance standards, identifying emerging risks, and driving continuous improvement. You'll also help develop underwriting guidelines, enhance technical capability within the wider team, and use data and insight to support portfolio performance and strategic decision-making.

Skills and experience we’re looking for:

• Strong Commercial Motor underwriting experience, including handling complex, non-standard and technically challenging risks.
• Excellent knowledge of motor insurance legislation, regulation and the Road Traffic Act, with the ability to assess the impact on underwriting decisions and policy coverage.
• Experience reviewing and interpreting policy wordings, endorsements, exclusions and coverage issues, with the ability to identify areas requiring clarification or improvement.
• Good understanding of reinsurance and treaty arrangements, including underwriting authorities, limits, retentions, capacities and referral requirements.
• Strong analytical and decision-making skills, with the ability to communicate complex technical concepts clearly and provide credible guidance and coaching to colleagues

What you’ll get for this role:

Our purpose - with you today, for a better tomorrow – is a promise we make to our colleagues too.And one of the ways we live up to that promise is by investing in you.We have so much to offer when it comes to being an Aviva colleague.

• Salary : Circa £70,000 (depending on location, skills, experience, and qualifications)
• Bonus opportunity - 12% of annual salary, (actual amount depends on your performance and Aviva’s.)
• Generouspensionscheme e.g. if you put in 8%, Aviva adds 14%
• 29 days holiday plus bank holidays, and you can choose to buy or sell up to 5 days
• Aviva-funded Private Medical Benefit to help you get expert support when you need it
• Make your money go further - Up to 40% discount on Aviva products, and other retailer discounts
• Up to £1,200 of free Aviva shares per year through our Matching Share Plan and share in the success of Aviva with our Save As You Earn scheme
• Brilliantly supportive policies including parental and carer’s leave
• Flexible benefits to suit you, including sustainability options such as cycle to work
• Make a difference, be part of our Aviva Communities and use your 3 paid volunteering days to help others
• We take your wellbeing seriously with lots of support and tools

Aviva is for everyone:

We’re inclusive and welcome everyone – we want applications from all backgrounds and experiences. Excited but not sure you tick every box? Even if you don’t, we would still encourage you to apply. We also consider all forms of flexible working, including part time and job shares.

We flex locations, hours and working patterns to suit our customers, business, and you. Most of our people are smart working – spending at least 50% of their time in our offices every week - combining the benefits of flexibility, with time together with colleagues.

To find out more about working at Aviva take a look here