For employers
Personal Lines Technical Underwriter
About the role
This is an exciting opportunity to join NFU Mutual's Head Office Underwriting Department in a specialist Personal Lines role. Reporting to the Underwriting Segment Manager, you will recommend and develop underwriting strategy for a Personal Lines product range, with a primary focus on Private Car, and help define the rules, processes and communications needed to put that strategy into practice.
Using independent underwriting expertise and judgement, you will help define risk appetite, recommend appropriate terms and risk features, and translate underwriting appetite into clear, workable guidance for Agents and Underwriters. Your work will support consistent decision-making, effective management of insurance risk and the delivery of sustainable profit and growth objectives.
You will use data, management information and portfolio performance analysis to identify opportunities, strengthen underwriting strategy and support responsive, evidence-based decisions. You will also provide expert judgement on risk rates and rating logic, contribute to improvements in underwriting knowledge and capability, and act as a final point of referral for complex, high-value or contentious cases within agreed authority, policies, procedures and service levels.
Building influential relationships will be central to the role. You will collaborate with colleagues across Pricing, Sales, Agency, Claims, Product, Propositions, Regions, Marketing and relevant industry bodies, communicating technical guidance clearly and helping stakeholders understand the rationale behind underwriting decisions. You will also contribute to short-term projects and one-off activities that improve customer experience, commercial performance and the effective management of insurance risk.
This role is known internally as: Class Underwriter - Segment
About you
You will bring strong Personal Lines underwriting experience, ideally including Private Car, together with experience of working in a team accountable for underwriting strategy, risk selection, account performance, underwriting rules or risk acceptance criteria.
Analytical and commercially aware, you can interpret portfolio performance and wider market information, identify the key issues and turn complex evidence into clear recommendations. You combine strategic and critical thinking with practical problem-solving, and you are comfortable applying expert judgement where information is incomplete or competing priorities need to be balanced.
You will be an effective communicator and confident report writer who can tailor technical information for different audiences. Your collaborative approach, customer focus and stakeholder management skills will help you build trusted relationships, influence decisions and support the consistent application of underwriting appetite across the business.
So, in short - what we're looking for….
A clear customer focus, with the ability to balance fair customer outcomes, commercial objectives and effective insurance risk management
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:
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.
Up to £60,000 per annum
Multiple Locations (UK)
Up to £60,000 per annum
Multiple Locations (UK)
Up to £60,000 per annum
Multiple Locations (UK)
Up to £60,000 per annum
York, UK
Hybrid - up to an average maximum of 80% working from home, to be agreed with Manager
Up to £60,000 per annum
Multiple Locations (UK)
Company employees:
Gender diversity (m:f):
Hiring in countries
United Kingdom
Office Locations
