Lead Motor Underwriter - Home Based, United Kingdom Salary: CompetitiveWe have an exciting opportunity to join the Personal Lines Team at Cova Insurance as a Lead Motor Underwriter !At Cova Insurance , we''re all about protecting what matters most - whether it''s your home, your car, or your business. With our award-winning customer service and a wide range of insurance products, we''re here to make a real difference.Our purpose is simple but powerful: to help protect people against the worst happening and put it right if it does . We celebrate what makes each of us unique and believe that diversity drives innovation and success. This is a hybrid position, combining the best of both worlds - working from home and spending time in our Halifax office.Develop and implement the Personal Lines motor underwriting strategy, ensuring alignment with corporate goals and effective footprint management.Make data-driven underwriting decisions within the defined risk appetite, ensuring all deals meet minimum return requirements and improve portfolio performance.Maintain strong governance by ensuring underwriting philosophy and processes are accurately applied and compliant with regulatory and legal standards.Monitor market trends and external developments to identify opportunities for innovation and improvement in underwriting practices.Proactively manage risks, incorporating them into the Departmental Risk Management Programme and taking action to mitigate potential regulatory and business threats.Collaborative communicator with the ability to work cross-functionally across Pricing, Trading, and Claims, while fostering open, respectful dialogue and embracing change.Strong leadership qualities, including the ability to motivate others, lead by example, and manage experienced underwriting teams.Highly organised and self-motivated, with excellent planning, problem-solving, and decision-making skills, especially in underwriting contexts.Commercially and strategically aware, with significant senior-level experience and a deep understanding of the UK personal lines motor insurance market.Expert in motor underwriting, with advanced knowledge of practices, regulatory frameworks, and the ability to manage complex stakeholder relationships.Professionally qualified, holding a degree or equivalent insurance qualification.We''re all about building a diverse, inclusive team where everyone can thrive.Flexible working - 36.25 hours a week with flexitime and hybrid optionsAnnual pay review - plus performance bonuses (up to 30% depending on level)Generous holidays - 25-27 days + bank holidays, with buy/sell optionsPension perks - 7.A culture where everyone belongs - we''re committed to diversity, equity and inclusion, with real action, employee-led community groups, and ongoing learning to make Cova a place where everyone can thriveMental and financial support - through our dedicated Wellbeing groupCareer growth - training, qualifications and apprenticeships to help you thriveHealth and wellbeing - private medical cover, 24/7 Virtual GP, health checks, flu jabs and moreDrive in style - Tusker Car Scheme with fully maintained insured vehiclesExtra savings - gym discounts, Cycle to Work, and retail offers via PerkpalAs a Disability Confident Employer, we''re committed to fair and accessible recruitment. If you need any adjustments or support during the application process, just let us know - we''re here to help.