Autonomous Vehicles Underwriter

Overview

We're seeking a talented and ambitious Autonomous Vehicles Underwriter to shape, develop and grow our underwriting capabilities in the UK. If you're hands on, hungry to disrupt the traditional insurance market to make real change, this is the role for you! Reporting to the Head of Underwriting, in this newly-created role you will contribute to the development and growth of our AV portfolio in the UK, focusing on top line growth whilst maintaining adequate loss ratios.

You will work with an elite group of teammates, including pricing, commercial, claims and product, and you'll be the go-to person for motor insurance knowledge, ensuring that our products meet the current and future needs of our customers.

• Pioneer AV Insurance:
  Develop creative, future-facing underwriting strategies for autonomous fleets, human-supervised systems, and AV-enabled platforms. Innovate beyond traditional risk frameworks to accommodate new driving behaviors, ownership models, and liability paradigms.
• Shape AV Portfolio Growth:
  Own and grow Zego's AV book in the UK, balancing ambitious top-line GWP growth targets with disciplined portfolio profitability and loss ratio management.
• Develop Broker & Commercial Partnerships:
  Support sales and commercial teams in structuring AV insurance solutions for our broker network and direct clients. Be the underwriting lead on new business opportunities and renewals.
• Build Process & Infrastructure:
  Define and streamline underwriting workflows, data capture, and decision logic for scalable AV insurance operations. Bring clarity to an evolving regulatory and technical landscape.
• Own the Knowledge Stack:
  Act as Zego's internal expert on AV-related insurance, from UK motor regulations to AV-specific liability trends and actuarial assumptions. Represent Zego in conversations with reinsurers, MGAs, OEM partners, and the wider AV ecosystem.
• Underwriting
  
  Experience:
  
  3+ years of UK motor fleet underwriting experience, ideally with exposure to AVs, connected vehicles, or other next-gen mobility risks.
• AV Domain Curiosity:
  Demonstrated interest or involvement in autonomous vehicle technologies, whether through prior underwriting, academic work, regulatory study, or commercial partnerships.
• Startup Mentality:
  You are self-starting, proactive and creative. Willing to work fast and make commercial considerations that come with working at a VC-backed start-up, with a strong desire to build something new that will scale at exponential rate.
• Deep Insurance Knowledge:
  In-depth knowledge of the insurance market, policy wordings and guidelines.
• Creative Commercial Thinking:
  You have an eye for detail and can see trade-offs between profitability and growth in underwriting decisions, with a drive to create solutions that disrupt the insurance industry.
• Cross-disciplinary expertise:
  Great communicator with experience working with technical and non-technical colleagues including pricing, sales/broking, product management and operations. Comfortable as an internal insurance domain expert and able to articulate ideas with external (re) insurers.
• Passionate to make real changes for customers.

At Zego, we know that traditional motor insurance holds good drivers back. It's too complicated, too expensive, and it doesn't take into account how well you actually drive. That's why, since 2016, we've been on a mission to change all of that. Our mission at Zego is to offer the lowest priced insurance for good drivers. From van drivers and gig workers to everyday car drivers, our customers are our driving force - they're at the heart of everything we do.

We've sold tens of millions of policies so far, and raised over $200 million in funding. And we're only just getting started.

Joining Zego is a career-defining move. Our people are the most important part of our story, and everyone here plays a role. There is room to learn and grow, and you'll have the freedom to steer your career where you want. We work in a collaborative culture with a flexible hybrid approach and a mix of office and remote work.

We believe that teams work better when they have time to collaborate and space to get things done. We call it Zego Hybrid. We ask you to spend at least one day a week in our central London office, a balance of collaborative face time and flexible home-working.

We believe in the power of AI to meaningfully improve how we work. At Zego, we encourage curiosity and intentional use of AI to drive practical impact. We offer tools, support, and freedom to do meaningful work.

We reward our people well. The package includes a market-competitive salary, private medical insurance, company share options, generous holiday allowance, wellbeing benefits, and an annual hybrid working contribution. There's more to Zego than just a job - check out our blog for insights, stories, and more.