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Flock is an AI-first insurtech company transforming motor fleet insurance through telematics, real-time data, and advanced analytics. Recently acquired by Admiral (May 2026), Flock combines startup agility with the backing of the UK's leading motor insurer. The company's mission is to proactively prevent crashes and keep drivers safe, paying out millions annually to fleets that improve safety outcomes.
As Senior Motor Fleet Underwriter, you will manage a large business portfolio while leveraging cutting-edge analytics and AI to assess risk, optimize underwriting processes, and create tailored policies for fleet customers. You'll have autonomy to drive growth into new market segments and emerging mobility trends, supporting Flock's ambition to become one of the UK's largest fleet MGAs.
Key responsibilities include:
- Managing and developing a substantial business portfolio
- Mentoring junior underwriting team members
- Building and maintaining strong relationships with insurance brokers
- Collating data and providing portfolio analysis support to the Head of Underwriting
- Providing feedback to continuously improve risk information gathering processes
- Identifying opportunities to enhance policy wording and coverage
- Staying current with rapidly evolving motor fleet market trends and products
- Training and developing underwriting and operations team members
- Using AI tools in the underwriting workflow (extracting risk data, triaging cases, accelerating quoting) while maintaining independent judgment on all decisions
- Working with product teams to drive product, process, and customer journey improvements
You'll work hybrid from Flock's Central London office (near Moorgate/Liverpool Street), typically three days per week, 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 relationships with insurance brokers
- Ability to collate data and support portfolio monitoring and analysis
- Capability to provide feedback on risk information gathering processes
- Experience identifying improvements to policy wording and coverage
- Knowledge of current motor fleet market trends and emerging products
- Ability to actively train and develop underwriting and operations team members
- Comfort using AI in underwriting work (risk extraction, quoting acceleration) while maintaining independent judgment
Preferred:
- Experience with large corporate customers
- ACII qualification or working toward it
- Experience collaborating with product teams on roadmap enhancements
