KGM Fleet Underwriter

Who are we?

Howden is a collective – a group of talented and passionate people all around the world. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 18,000 employees spanning over 100 countries.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Location: Romford (Hybrid – 4 days in the office)
Company: KGM

About KGM

KGM is a leading provider of specialist insurance products in the UK market, known for its innovative approach and client-focused solutions. With a strong reputation in motor insurance, we are committed to delivering high-quality underwriting expertise and building strong relationships with our partners.

Role Overview

We are seeking an experienced Fleet Underwriter to join our dynamic underwriting team. In this role, you will be responsible for driving underwriting performance, analysing key trends, and supporting the development of fleet underwriting strategies. You will work closely with internal stakeholders, brokers, and the wider underwriting team to ensure risk assessment and pricing decisions align with business objectives.

Key Responsibilities

• Compile reports and provide commentary on key performance changes for the Monthly Underwriting Committee Meeting; attend and present findings.
• Attend regular underwriting review meetings to discuss performance and strategy.
• Make pricing and underwriting recommendations with supporting analysis to the Underwriting Committee to ensure performance and volume targets are met or exceeded.
• Review and advise on claims matters, contributing to overall risk assessment.
• Maintain and manage a register of underwriting priorities, attending regular catch-up meetings to track progress.
• Support the development of Fleet underwriting strategies, philosophies, and procedures.
• Develop and maintain strong relationships with key supporting brokers; where required, conduct face-to-face meetings in collaboration with the Business Development Team.
• Work cross-functionally to maximise Fleet business opportunities and drive growth.
• Focus on costs, process improvements, and efficiencies to enhance the profitability of KGM.
• Oversee incoming new business Fleet risks, providing training, guidance, and development for the team, and ensuring referrals are managed within authority limits.
• Contribute to the wider underwriting department by demonstrating leadership, market insight, and a commitment to best practices.

Key Skills & Experience

• Strong underwriting experience within Fleet or Motor Insurance.
• Analytical mindset with the ability to interpret performance data and make strategic recommendations.
• Excellent communication and presentation skills, with confidence in delivering insights to senior stakeholders.
• Strong relationship management skills, with experience in broker engagement and business development.
• Proactive and commercially minded, with a focus on efficiency and profitability.
• Knowledge of claims handling and its impact on underwriting decisions.
• Ability to work independently and as part of a team in a fast-paced environment.

Why Join KGM?

• Be part of a leading specialist insurance provider known for innovation and client-focused solutions.
• Work in a dynamic and collaborative environment with opportunities for career growth.
• Competitive salary and benefits package.
• Hybrid working model with 4 days in the Romford office to promote collaboration and engagement.

If you are a driven and analytical Fleet Underwriter looking for your next challenge, we would love to hear from you!

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

• Our successes have all come from someone brave enough to try something new

• We support each other in the small everyday moments and the bigger challenges

• We are determined to make a positive difference at work and beyond

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs.  Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.

*Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.