AR Experts Ltd is a Manchester-based technology company developing SaaS platforms, AI solutions, hardware-integrated products, enterprise software, websites and mobile applications. Our BizAlign ecosystem includes Telematics, Fleet, Workforce, HR, InsurTech and Docs, alongside custom technology services for clients across various industries. About the Role We are looking for an Assistant Underwriter to support the development and operation of our commercial motor and fleet insurance proposition.

The successful applicant will assist with reviewing insurance submissions, gathering risk information, preparing quotations, maintaining accurate underwriting records and supporting policy administration. The role will also involve working with brokers, clients, senior underwriters, capacity providers and internal product and technology teams. This is an excellent opportunity for someone who wants to develop a career in commercial insurance and gain experience within a growing technology-led InsurTech business.

Structured training and guidance will be provided, but applicants should have a genuine interest in underwriting, commercial motor insurance and the use of technology and data in assessing risk. Key Responsibilities

• Support underwriters with the assessment of commercial motor and fleet insurance risks.
• Review proposal forms, statements of fact, claims histories, vehicle schedules, driver information and other supporting documents.
• Gather any missing information required before a risk can be assessed or referred.
• Assist with preparing quotations, policy documents, renewal terms and underwriting correspondence.
• Process new business, renewals, mid-term adjustments, cancellations and other policy administration activities.
• Ensure each submission is complete, accurate and properly documented.
• Identify information that falls outside agreed underwriting criteria and refer it to the appropriate senior underwriter.
• Maintain accurate underwriting notes, referral records, decisions and supporting evidence.
• Communicate professionally with brokers, prospective clients, policyholders and business partners.
• Respond to enquiries and provide clear updates on the progress of quotations and policy changes.
• Follow up on outstanding documents, additional information, quotations and renewal invitations.
• Support the preparation of insurance schedules, endorsements and supporting documentation.
• Assist with checking policy information before documents are issued.
• Work within agreed underwriting authority, referral procedures and service-level expectations.
• Help ensure that insurance products are administered consistently and fairly. Telematics and Data-Assisted Underwriting
• Support the use of telematics data when assessing commercial motor and fleet risks.
• Review relevant information such as mileage, journey patterns, speeding, harsh braking, acceleration, cornering, night-time driving and driver-behaviour scores.
• Assist underwriters in interpreting vehicle usage, driver behaviour and fleet-risk information.
• Help identify unusual activity, missing information or risk indicators requiring further review.
• Support the preparation of risk summaries and evidence for underwriting decisions.
• Work with the BizAlign Telematics and technical teams to understand available data, scoring methodologies and system functionality.
• Ensure that telematics information is used accurately, appropriately and in accordance with applicable procedures.
• Avoid making unapproved assumptions or promises based on incomplete data. Broker, Client and Partner Support
• Build professional working relationships with brokers, clients, insurers, capacity providers and other business partners.
• Request additional risk information clearly and professionally.
• Explain documentation requirements and next steps without providing information beyond approved authority.
• Support senior underwriters during broker discussions, client meetings and product demonstrations.
• Prepare meeting notes, risk summaries, quotations and follow-up correspondence.
• Help maintain a responsive and professional service throughout the quotation and policy lifecycle.
• Escalate complaints, complex enquiries, potential conflicts or sensitive matters to the appropriate person. Compliance and Record Keeping
• Follow underwriting guidelines, delegated authority requirements and internal approval processes.
• Maintain complete and accurate records of submissions, quotations, referrals, decisions and policy changes.
• Handle personal, commercial, claims and financial information securely and confidentially.
• Support audit, compliance, bordereaux and management-information requirements.
• Assist with data-quality checks and correction of incomplete or inaccurate records.
• Follow applicable FCA principles, data-protection requirements and internal policies.
• Report suspected fraud, material non-disclosure, inconsistencies or unusual risk information through the correct internal process.
• Complete required training and remain informed about relevant regulatory and product changes. Collaboration and Product Development
• Work closely with senior underwriters, insurance specialists, business analysts, product owners, developers and management.
• Communicate underwriting requirements clearly to internal product and technical teams.
• Support testing of insurance workflows, rating functionality, document generation and policy-administration processes.
• Provide feedback on system usability, data quality and operational requirements.
• Help document underwriting processes, referral rules, question sets and administrative procedures.
• Contribute to the continuous improvement of underwriting workflows and customer experience.
• Assist with the preparation of insurer, capacity-provider and regulatory documentation when required. Required Skills and

Experience

• Previous experience in insurance, underwriting support, broking, policy administration, claims, financial services or another relevant regulated environment.
• A genuine interest in developing a career in commercial insurance and underwriting.
• Strong written and verbal communication skills, particularly professional UK business communication.
• Good numerical ability and confidence reviewing commercial and risk-related information.
• Strong attention to detail and the ability to identify missing, inconsistent or unusual information.
• Ability to understand and follow underwriting guidelines, referral rules and documented procedures.
• Strong organisational and time-management skills.
• Ability to manage multiple submissions, deadlines and follow-up actions accurately.
• Confidence communicating with brokers, clients, underwriters and internal stakeholders.
• Good working knowledge of Microsoft Excel, Word, Outlook and other standard business software.
• Ability to learn insurance and software systems quickly.
• Professional judgement and a clear understanding of confidentiality.
• Ability to work independently while seeking guidance when a matter falls outside assigned authority.
• Willingness to receive feedback, complete training and continuously develop technical insurance knowledge. Desirable Skills and

Experience

• Experience in commercial motor, fleet, motor trade, courier, delivery, logistics or vehicle-hire insurance.
• Previous experience as an Underwriting Assistant, Insurance Administrator, Broker Technician, Account Handler or Claims Assistant.
• Understanding of quotations, renewals, endorsements, mid-term adjustments, cancellations and policy documentation.
• Familiarity with claims histories, vehicle schedules, driver information and fleet-risk assessments.
• Knowledge of delegated authority, bordereaux, referral procedures or insurer underwriting guidelines.
• Experience using an insurance policy-administration, underwriting or broker-management system.
• An understanding of telematics, connected-vehicle data or usage-based insurance.
• Experience analysing spreadsheets, datasets or management information.
• Progress towards, or an interest in completing, Chartered Insurance Institute qualifications.
• Knowledge of FCA-regulated insurance operations and data-protection requirements. Learning and Development The successful applicant will receive structured support to develop their knowledge of:
• Commercial motor and fleet insurance.
• Risk assessment and underwriting principles.
• Underwriting guidelines and referral procedures.
• Insurance quotations, policies, renewals and mid-term adjustments.
• Broker and client communication.
• Compliance, record keeping and delegated authority requirements.
• BizAlign InsurTech and BizAlign Telematics systems. The Assistant Underwriter will be expected to complete assigned training, develop their insurance knowledge continuously and work towards handling appropriate underwriting activities within approved authority. Working Arrangements and Essential

Requirements

• Full-time position based in Manchester, UK, with hybrid working as the default arrangement.
• Remote or hybrid working may be considered depending on the suitability of the candidate and the operational requirements of the role.
• Availability during agreed UK working hours.
• A stable, reliable, high-speed internet connection.
• Access to a suitable computer and a professional environment for calls and meetings when working remotely.
• Company equipment may be provided in line with internal policy and the requirements of the role.
• Willingness to attend the Manchester office, training sessions, partner meetings or industry events when reasonably required. AR Experts Ltd is an equal opportunities employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.