Technical Underwriter - Home

Technical Underwriter - Home

Haywards Heath or Manchester
£43,000 to £68,000 depending on experience
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We’re First Central Insurance & Technology Group (First Central for short), an award-winning innovative insurance and technology organisation, delivering market-leading motor insurance, underwriting, distribution, finance, technology and legal services.

Are you looking for a new career with a fast-growing, dynamic company? Well look no further! We need a Technical Underwriter - Home to join our Underwriting team in Salford Quays, Manchester or Haywards Heath, West Sussex.

The UW & Assurance Team are tasked with using analytics and insight to drive the ongoing optimization of the FCG underwriting footprint, monitoring of underwriting and pricing performance to support the delivery of profit and volume targets for the business, as well as owning FCG’s Underwriting Control Framework and ensuring regulatory compliance for the FCG Pricing and UW functions.

The role of the Technical Underwriter is to be the subject matter expert on Home Insurance Underwriting, providing UW, Regulatory, and TCF input and guidance into the analytical work of the team and own, review, and update FCG’s UW control framework, Technical Policy Wordings, and other product management documentation.

To be successful in this role, you’ll need to:

  • have demonstratable experience in a relevant Technical UW or Product Management role for a Home Personal Lines Insurer

  • be knowledgeable and have awareness of the regulatory environment pertaining to Pricing and UW for UK personal lines insurance market

  • hold a relevant Degree with a minimum 2:1 in a related area

Job responsibilities:

Ahead of launch:

  • Provide technical underwriting input to the analytical/project work of the UW and Assurance Team and wider pricing department, ensuring regulatory compliance, TCF, and traditional UW principles are considered and where appropriate enforced – particularly in relation to:

    • Relaxation of, or introduction of, UW criteria

    • Use of data; specifically potentially sensitive data for Pricing or UW purposes.

    • Impact on customers and any regulatory impact or reputational damage this may cause.

  • Develop and maintain detailed knowledge of emerging trends/technologies/available data within the personal lines Home insurance market, providing consult and input into project work of the team and wider Pricing and UW department when required; including but not limited to:

    • Climate Change and Geographical Risk

    • Building materials and methods

    • Emerging/periodic trends

    • Use of data from other UW adjacent areas – eg counter fraud specific data sources such as the CIFAS database for UW/Pricing.

  • Develop and maintain knowledge of and advise on upcoming, potential, and historic regulatory changes impacting the UW of the personal lines motor insurance market – including but not limited to

    • Insurance market specific legislation referencing Pricing/UW – eg FCA market study

    • Broader Insurance legislation – eg IDD, Consumer Insurance Act

    • Broader legislation impacting insurance – EU/UK equalities legislation. GDPR,

  • Develop and maintain relevant internal relationships pertaining to the above – eg Counter Fraud, Claims etc

  • Develop and maintain relevant relationships with relevant third parties pertaining to the above.

  • Build and maintain relationships with stakeholders across the business, providing consult, and where required, input to projects requiring Underwriting representation.

  • Build and maintain a log of FCGs Underwriting Criteria using this as a basis for ongoing scheduled review of static UW criteria.

  • Review and Update FCGs Underwriting control framework for Pricing and UW changes.

  • Review, maintain, and suggest improvements to policy wording for FCG insurance products

Job-specific competencies:


  • Minimum 2:1 degree in a relevant field

  • A good level of experience working in a relevant Technical UW or Product Management role for a Home Personal Lines Insurer


  • In depth knowledge of the UK Personal Lines Home Insurance Market

  • Good knowledge of general insurance pricing techniques and data sources used.

  • Good knowledge of motor insurance products and the motor insurance industry

  • Broad knowledge and awareness of the regulatory environment pertaining to Pricing and UW for UK personal lines insurance market

  • Strong commercial acumen


  • Underlying Skills of:

    • Strong mathematical skills

    • Strong problem-solving skills, with the ability to adopt a logical approach to solving problems

    • Strong IT skills (including Excel and ideally programming skills)

    • Strong ability to interpret technical documents

    • Excellent communication skills, both verbal and written to a variety of stakeholders

    • Excellent time management and organisational skills

  • Proven ability to produce outstanding results based on own initiative

  • Demonstrable Behaviours of:

    • Logical thinker with solid reasoning ability

    • Commercially focused

    • Emphasis on attention to detail and accuracy

    • Quick learner

    • Self-motivated and enthusiastic

    • An organised and pro-active approach

  • Aligned to the values of Ambition; Agility; Ownership; Collaboration

What can we do for you? 

We believe we can offer you a great working environment as we’re so passionate about our people. Here are just some of the benefits and perks that we offer…

  • Fantastic training and development opportunities

  • Employee benefit packages to suit your lifestyle

  • Flexible working

  • YOUday – we give you an extra day off to celebrate a special day

  • The opportunity to take a paid day off each year to do charity work

  • A health cash plan

  • Help with travel expenses

  • The opportunity to buy additional holiday

  • Company pension scheme

  • Group life assurance

  • Enhanced maternity and paternity pay

  • Professional subscription fees paid

Employee wellbeing is high on the agenda here too. We provide a weekly free fruit delivery, discounted membership at a local health club and access to an Employee Assistance Programme, which promotes physical and emotional wellbeing at work and at home. In addition, we provide wellbeing events throughout the year to support physical and mental health.

For further information on what we can offer and to learn more about this role, feel free to contact our dedicated Recruitment team.

So, if you’re up for the challenge and would like to join our vibrant and busy team, we want to hear from you today.

We’ve received some great feedback from employees on Glassdoor. Don’t believe us? Check out our reviews for yourself!

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86% of people would recommend a friend to work at First Central

Based on 150 Glassdoor reviews (October 2021)


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Flexible working

We support colleagues who wish to work flexibly whilst meeting the needs of the business.


We give you an extra day off to celebrate a special day.

Holiday Extra

Not only do you get a generous holiday entitlement, you can also buy additional leave.


Get a day off each year to take part in volunteering activities.

Health cash plan

Claim money back on your healthcare costs, such as dental check-ups and eye tests.

Season ticket loan

We provide interest-free loans to cover the cost of season tickets for rail, bus or car parking.