Fleet Underwriter

Fleet Underwriter

• Fantastic opportunity to continue to develop your underwriting experience within NFU Mutual’s specialist Fleet Underwriting team


• Ongoing training, technical development and career progression opportunities available


• Hybrid working on offer after training – spend 20% of your time at our Bristol office and up to 80% of your time working from home

About the role

At NFU Mutual, our Commercial Underwriting division has a clear roadmap for digital development that supports our commercial growth objectives and opens exciting opportunities to contribute more value-added activities.

Our 280-strong team of dedicated commercial underwriting professionals work on a diverse portfolio of accounts, ranging from new business and development underwriting right through to renewals, mid-term adjustments, and onsite underwriting opportunities. They understand that effective underwriting involves not only assessing risk but also delivering underwriting solutions that support our customers ever-changing and evolving insurance needs. Our close partnership with the NFU Mutual Agency Network across the UK enhances our capacity, enabling us to serve our customers effectively and provide the right insurance solutions to protect their livelihoods. This distinctive aspect of our approach sets us apart from other insurers and is the cornerstone of our continued success.

Being a great place to work is at the heart of our company strategy, and while farming insurance remains a key priority, our focus is on commercial growth. By working in collaboration with our underwriting teams across the business and continually developing your skills, you could play a pivotal role in contributing to our future. Now is the time to join us.

We have an exciting opportunity for an experienced underwriting professional to join NFU Mutual as a Fleet Underwriter within our Commercial Fleet Underwriting team in Bristol.

Working as part of a supportive and social team of circa 20, you’ll review and evaluate commercial fleet risks, helping to deliver strong customer outcomes while supporting the continued growth of our fleet portfolio. You’ll handle a varied mix of new business, renewals and mid-term adjustments across both small and large fleet risks, working closely with our Agency Network to provide effective underwriting solutions and technical support.

This role offers the opportunity to work on varied and technical underwriting cases from cradle to grave, using data to support decision making, whilst building productive relationships with key stakeholders across the business.

At its core, underwriting at NFU Mutual feels different because it’s designed to be. Our mutual structure means you’re not just working for a company – you're part of a shared purpose that values people, relationships, and long-term thinking. Our people stay because it’s a great place to work – and our customers stay because of the quality of the service we deliver.

When you join us, you’ll receive structured training and support during your first 12 weeks while working towards your small fleet licence – for this, you will need to be full-time at our Bristol office. Following a successful induction, you'll be able to enjoy up to 80% home-working, with just one day at week working from our Bristol offices.

About you

You’re a resilient and customer focused underwriting professional who communicates effectively, builds strong stakeholder relationships and influences confidently when needed. You apply sound judgement to technical underwriting decisions, use data to support your thinking, and maintain a high level of attention to detail. You also enjoy sharing your expertise through coaching and mentoring others.

So, to re-cap, to join NFU Mutual, you’ll need to bring:

• Fleet underwriting experience


• A track record of dealing with varied and technical underwriting cases


• Data analysis experience within an underwriting environment


• Policy document review experience


• Experience of working within a regulated environment

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.

Benefits and Rewards

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

Level 1-3

• Salary circa £40,000


• Annual bonus (up to 10% of salary)


• Contributory pension scheme, up to 20%, including your 8% contribution


• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme


• A Family Friendly policy that helps you balance your work and family responsibilities


• Access to savings at High Street brands, travel and supermarkets


• £20 contribution to a monthly gym membership – subject to T&Cs


• Health and wellbeing plan - cashback for dentist, opticians, physio and more


• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance


• Employee Volunteering - volunteer in the community for one day each year


• Unlimited access to Refer a Friend £500 bonus scheme


• Life Assurance cover of 4 x salary


• Employee discounts of 15% on a range of NFU Mutual insurance policies.


• Salary sacrifice employee car scheme - subject to eligibility

Working at NFU Mutual

We’re one of the UK’s leading general insurance and financial services organisations, and for over 110 years we’ve put our customers at the heart of everything we do. Our people are just as important to us, so we’re proud to be recognised as “a great place to work”.

Our Gallup Exceptional Workplace 2026 award was not only awarded with Distinction, but it also marked us as the first UK based company to earn a Gallup Exceptional Workplace award for eleven consecutive years. We’ve also been consistently recognised by Glassdoor. We appeared in the Glassdoor Best Places to Work UK list in 2023, 2024 and 2026 — and in 2026, we were the highest ranked insurance business in the UK, highlighting our strong employee experience and the positive feedback our people share on the platform.

Additionally, we were named in the LinkedIn Top Companies 2026 list of “Best midsize employers to grow your career in the UK”, and we’ve been certified as a UK Top Employer by the Top Employers Institute in 2023, 2024, 2025 and 2026.
We offer a supportive and empowering culture where people are inspired to perform, given opportunities to grow, and recognised and rewarded for their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable—so we’re successful now and in the future.