Senior Personal Lines Underwriter

• Lead on complex, high-value underwriting – make decisions that matter and guide others to do the same.
• Collaborate for impact - partner with teams across the business to deliver outstanding customer outcomes.
• Hybrid role with up to 80% homeworking and the rest working from our Regional Service Centre in either Bristol or York
• Salary up to £55,000 + up to 17.5% annual bonus

About the role

We’ve got an exciting opportunity for a Senior Personal Lines Underwriter to join our dynamic and fast-paced team here at NFU Mutual. This role plays a key part in supporting our frontline underwriters to deliver the high standards of technical quality, customer service, and compliance we’re known for.

You’ll work across our full range of Personal Lines products (including both home and motor) and play a central role in managing the most complex, high-value, and occasionally contentious cases. You’ll be a trusted point of contact for referrals, authority guidance, and commercial decisions, ensuring our underwriting remains robust and customer-focused.

Your day-to-day will be varied. You’ll be supporting and coaching underwriters, helping to strengthen capability and embed underwriting excellence. You’ll also act as a key link between Head Office strategy and regional implementation, making sure changes are well understood and delivered effectively. Working closely with our Agency Network, you’ll guide conversations, manage challenges constructively, and maintain strong, productive relationships.

There’s a real emphasis on continuous improvement – from auditing and quality checks to analysing data and account performance, you’ll be creating insight that drives better decisions and helps shape future ways of working. With NFU Mutual currently going through an exciting period of transformation, including the rollout of new policy administration systems and a greater focus on the digital customer journey, you’ll be helping us stay true to our values while evolving for the future.

If you thrive in a role where no two days are the same, where you’re helping others grow while influencing the bigger picture, this could be a brilliant fit.

About you

You’ll be someone who brings deep technical knowledge of personal lines underwriting, alongside the confidence and communication skills to support others, build strong relationships and influence change. This role calls for a blend of hands-on expertise, sound judgement and the ability to collaborate across a wide range of stakeholders – all while keeping the customer at the heart of what you do.

We’re looking for someone with a strong track record in the following areas:

• Extensive personal lines underwriting experience – particularly in motor and/or household, with a solid history of managing the most complex, high-value cases and holding higher levels of authority. You’ll have a clear understanding of the market and how to navigate regulation, compliance, and business priorities confidently and effectively. Experience of working within the high-net-worth market would be advantageous too!
• Decision-making and judgement - you’re confident in owning messages and outcomes, making informed decisions and clearly communicating your reasoning to a range of audiences.
• Experience working with control environments – whether through quality assurance, technical reviews, audits or other assurance activity, you’ll be familiar with maintaining standards, identifying gaps and taking the right action.
• Stakeholder engagement and influencing – you’ll be skilled at building trusted relationships and managing challenging conversations, particularly with our Agency Network and other key contacts across the business.
• Coaching and mentoring capability – while not necessarily a people manager, you’ll have experience in supporting others’ development through quality feedback, guidance and technical support.
• A continuous improvement mindset – ideally with experience of driving positive change, interpreting performance data and turning insight into action that supports both underwriting excellence and customer outcomes.

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.

Benefits and Rewards

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

• Salary up to £55,000 depending on experience.
• Annual bonus (up to 17.5% of salary)
• Contributory pension scheme, up to 20%, including your 8% contribution
• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme
• A Family Friendly policy that helps you balance your work and family responsibilities
• Access to savings at High Street brands, travel and supermarkets
• £20 contribution to a monthly gym membership – subject to T&Cs
• Health and wellbeing plan - cashback for dentist, opticians, physio and more
• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
• Employee Volunteering - volunteer in the community for one day each year
• Unlimited access to Refer a Friend £500 bonus scheme
• Life Assurance cover of 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.