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Flock is an AI-first insurtech company transforming motor fleet insurance through telematics, AI, and real-time data. Acquired by Admiral in May 2026, Flock combines the backing of the UK's leading motor insurer with startup energy and speed. The company proactively helps fleet customers prevent crashes and pays out millions of pounds annually to fleets that improve safety outcomes.
As Senior Motor Fleet Underwriter, you will manage and develop a large business portfolio while leveraging advanced analytics and AI to assess risk, optimize underwriting processes, and create tailored policies. You'll mentor junior team members, significantly contribute to team targets, and help unlock growth into new market segments and emerging mobility trends. Your role bridges traditional underwriting expertise with cutting-edge technology—you'll use AI to extract risk data from submissions and triage cases faster, freeing your time for judgment calls that require experienced underwriting.
Key responsibilities include:
- Manage a substantial motor fleet insurance portfolio and mentor junior underwriters
- Build and maintain strong relationships with insurance brokers
- Collate data and provide analysis to the Head of Underwriting to monitor and assess portfolio performance
- Provide feedback to continuously improve risk information gathering processes for seamless quoting and onboarding
- Identify opportunities to enhance policy wording and coverage
- Stay current with rapidly evolving market trends and emerging products in motor fleet insurance
- Train and develop underwriting and operations team members
- Work confidently with AI tools in underwriting workflows while maintaining independent judgment on all decisions
- Support product teams to ensure enhancements align with product roadmap
The role is hybrid, typically three days per week in the Central London office (near Moorgate and Liverpool Street), with flexibility for longer commutes. Client site visits, conferences, and broker office visits count toward office days.
REQUIREMENTS:
Essential:
- Extensive experience underwriting motor fleet insurance
- Track record of building strong, supportive relationships with insurance brokers
- Ability to collate data and support portfolio monitoring and analysis
- Comfort using AI in underwriting work (extracting risk information, speeding up quoting) while maintaining independent judgment
- Knowledge of rapidly evolving motor fleet market trends and products
- Capability to train and develop team members
Preferred:
- Experience dealing with large corporate customers
- ACII qualified or working toward qualification
- Experience collaborating with product teams on product, process, and customer journey enhancements
