Senior Commercial Motor Underwriter

Cardiff

Who are we?

Admiral Business sit within the Admiral Group, and are the experts in business insurance, offering SME insurance for tradespeople, professionals, and couriers. They build products and services that put their customers’ first, combining agility with reliability to deliver innovative products and superior customer experience to the under\-served SME market across the UK.

Location: London or Cardiff

About the Role

Admiral Business is seeking a Senior Commercial Motor Underwriter to help shape the technical and commercial development of our motor portfolio. This is a specialist role for an experienced underwriter with strong knowledge of the commercial motor market and a passion for building innovative, customer\-focused solutions.

Reporting to the Motor Underwriting Manager, you’ll be one of our technical experts and a trusted partner for brokers, customers, and colleagues across the business. You’ll play a key role in risk selection, pricing, and portfolio performance, helping to shape underwriting appetite, refine product design, and drive sustainable growth.

As part of a growing commercial lines business within Admiral Group, you’ll have the opportunity to influence strategy, support the evolution of our underwriting model, and help redefine how commercial motor insurance is delivered through technology, insight, and underwriting excellence.

What You’ll Do

• Underwrite and target commercial motor risks across a range of products, including mini\-fleet, fleet, taxi, salary sacrifice, commercial van, and future product lines.


• Help shape underwriting appetite, guidelines, pricing frameworks, and portfolio strategy, ensuring alignment with Admiral Business objectives and market opportunities.


• Partner with Product, Claims, Pricing, Distribution, Operations, and Data teams to evolve our propositions and respond to changing customer and broker needs.


• Build strong relationships with brokers and partners, acting as a trusted technical expert and helping to grow business within our underwriting appetite.


• Monitor portfolio performance, market trends, and loss ratios, using insight and data to inform underwriting decisions and identify opportunities for growth and optimisation.


• Collaborate with Pricing and Data teams to refine risk selection, enhance portfolio performance, and support profitable growth.


• Support the development of underwriting capability through coaching, training, and knowledge sharing across the team.


• Ensure underwriting activity aligns with governance, compliance, and risk appetite requirements.


• Represent Admiral Business externally, helping to strengthen our reputation, broker relationships, and market presence.


• Champion innovation, automation, AI, and digital tools to improve underwriting effectiveness, efficiency, and customer and partner experiences.

Essential Experince

• Significant commercial motor underwriting experience, with strong knowledge of fleet and SME fleet markets.


• Deep technical expertise in commercial motor underwriting, including rating methodologies, risk assessment, and regulatory considerations.


• Strong commercial judgement, with the ability to balance technical underwriting discipline with growth and profitability objectives.


• The confidence and credibility to build relationships, influence stakeholders, and act as a trusted adviser to brokers and partners.


• A collaborative approach, comfortable working across teams to deliver shared business outcomes.


• A data\-led mindset, using insight and analytics to support decision\-making and portfolio performance.


• Curiosity and enthusiasm for new technologies, automation, and ways of working that improve underwriting and customer outcomes.

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people\-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.

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). You also have the option to buy or sell up to an additional five days of annual leave.

We’re proud of our people\-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.

Our fantastic benefits make sure our colleagues have a great work\-life balance; You can view some of our other key benefits here.

As a Disability Confident Leader, for candidates with a disability or long\-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.

If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email daniel.cavill@admiralgroup.co.uk or contact us on 07407 672980\. This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process.

\#LI\-Pioneer \#LI\-DC1

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