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Commercial Motor Underwriter

United Kingdom, Cardiff · Job Posted March 19, 2026
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Job Description

Admiral Business is seeking a Commercial Motor Underwriter to support the technical and commercial development of our motor portfolio. Reporting to the Motor Underwriting Manager, you’ll act as a technical expert and key contact for brokers and customers, playing a central role in risk selection, pricing and underwriting strategy. You’ll help shape underwriting appetite, refine product design and drive profitable portfolio growth within a growing commercial lines business, redefining motor insurance through data, technology and underwriting excellence

Job Responsibility

  • Shape & develop the commercial motor portfolio
  • Underwrite and target commercial motor risks across a range of products
  • Aid the technical development and performance management of the commercial motor lines
  • Help create underwriting appetite, guidelines and pricing frameworks for commercial motor risks
  • Collaborate with Product, Pricing, Distribution and Operations teams
  • Drive underwriting excellence
  • Help lead broker relations to target business within our underwriting appetite
  • Ensure all underwriting activity aligns with governance, compliance and risk appetite standards
  • Provide training, coaching and mentorship to underwriting assistants
  • Maintain and develop strong working relationships with brokers, partners and other key stakeholders
  • Support growth & commercial outcomes
  • Feedback on business volumes and current market conditions
  • Monitor portfolio performance, loss ratios and trends
  • Collaborate with Data and Pricing teams to refine risk selection
  • Represent Admiral Business to brokers
  • Innovation, data & continuous improvement
  • Embrace automation, AI and digital tools
  • Identify opportunities to streamline processes
  • Drive a culture of innovation and continuous improvement

Requirements

  • Experience in Commercial Motor underwriting to price new business, renewals and mid term changes
  • Technical expert: strong understanding of rating models and regulatory considerations within the commercial motor sector
  • Commercially astute: proven ability to balance technical underwriting discipline with commercial decision-making

Nice to have

  • Collaborative leader: team player who supports others, communicates effectively and works cross-functionally to deliver shared goals
  • Data-driven: skilled in using data and analytics to inform underwriting and portfolio performance
  • Innovative mindset: excited by new technologies and ways of working that simplify and enhance underwriting processes

What we offer

  • Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)
  • Option to buy or sell up to an additional five days of annual leave
  • Eligible for up to £3,600 of free shares each year after one year of service
  • Financial & Mortgage Advice
  • 24-Hour Ecare
  • Cycle to Work Scheme
  • Annual Holiday Allowance
  • Flexible Working
  • Simply Health
  • Private Health Cover
  • Critical Illness Cover

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