Policy Expert – Group Head of Underwriting

Are you ready to transform the insurance industry?

Policy Expert is a forward-thinking business that loves to get things done. Leveraging proprietary technology and smart data, we offer reliable products and a wow customer experience.

Having achieved rapid growth since being founded in 2011, we’ve won over 1.5 million customers in Home, Motor and Pet insurance and have been ranked the UK’s No.1-rated home insurer by Review Centre since 2013.

You’ll take ownership in shaping and executing our underwriting strategy, leveraging your technical expertise, market insight, and commercial acumen to drive sustainable and profitable growth.

As the head of our underwriting function across all products, you’ll bring sharp judgement, deep industry knowledge, and strategic vision — not just to the underwriting team, but to the entire Policy Expert business. Your influence will help steer key decisions, elevate underwriting standards, and support innovation as we continue to grow.

Key accountabilities:

• Strategic ownership of our underwriting proposition for the wider business including Exec team.
• Development and implementation of underwriting strategy including underwriting footprint and acceptance appetite.
• Strategic guidance to senior underwriting team and stakeholders including Claims.
• Input of underwriting know-how and experience into pricing and product strategy and processes.
• Oversight of operational underwriting (delegated authority, escalated referrals etc).
• Development and implementation of underwriting governance and compliance framework, including audit activity.
• Work closely with senior UW, Pricing, Product colleagues to optimise our UW footprint and mix management.
• Work closely with Risk & Reserving and Claims teams to identify and respond to emerging issues relating to underwriting and loss ratio performance.
• Liaise with and influence partner insurers in the development of our underwriting proposition (footprint, acceptance rules etc).

Who are you:

• 7 + years’ experience in a personal lines underwriting leadership role, with a strong knowledge of the personal lines market, the core products and ancillaries, market dynamics and future development, underwriting growth management strategy (in particular in the aggregator market), pricing and product strategies, and legal and regulatory impacts.
• Strong knowledge of underwriting philosophies across our peer group and the wider market.
• Strong knowledge of claim trends.
• Ability to demonstrate underwriting thought stewardship and implementation.
• Strong numerical and analytical skills and experienced user of relevant software.
• Experience/understanding of use of data to enhance underwriting strategy and resolutions, including counter-fraud application.
• Demonstrable experience of managing relationships with insurers and/or reinsurers to drive underwriting performance and growth.

This role will be based in our London office in a 50/50 Hybrid mode.

We match your pension contributions up to 7%

Learning budget of £1,000 a year + Study leave (with encouragement to use it)

Enhanced M aternity & PaternityLeave

Travel season ticket loan

️ Access to a wide selection of London O2 events and use of a Private Lounge

Prayer room in office

What We Stand for and Next Steps “We pride ourselves on being an equal opportunity employer. We treat all applications equally and recruit based solely on an individual’s skills, knowledge, and experience. The quality and growing diversity of our team is a testament to this commitment”

At Policy Expert, we are committed to fostering an inclusive and supportive environment for all candidates. If you require any reasonable adjustments during the interview process to accommodate your needs, please do not hesitate to let us know. We are dedicated to ensuring every candidate has an equal opportunity to succeed and will work with you to provide the necessary support.

We aim to be in touch within 14 working days of your application – you will be notified if successful or unsuccessful. Please be encouraged to apply even if you do not meet all the requirements.

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