Autonomous Vehicles Underwriter

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 be making a real contribution 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 team mates, 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. What you will be doing

• 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 an exponential rate for years to come
• 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 your underwriting decisions everyday; with a strong drive to produce creative solutions to resolve these trade-offs and disrupt the insurance industry for good
• Cross-disciplinary expertise: you are a great communicator and have demonstrable experience working with technical and non-technical colleagues including: pricing, sales / broking, product management and operations teams. You are comfortable acting as an insurance domain expert internally, and confident in articulating your underwriting ideas and decisions 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. People go further here, reaching their full potential to achieve extraordinary things. We're spread throughout the UK and Europe, and united by our drive to get things done. We're proud of our company and our culture - a friendly and inclusive space where we can lift each other up and celebrate our wins every day. Together, we're setting the bar higher, delivering exceptional work that makes a difference. Our people are the most important part of our story, and everyone here plays a role. There's loads of room to learn and grow, and you'll get the freedom to steer your career wherever you want. You'll work alongside a talented group who embrace each other's differences and aren't afraid of a challenge. We recognise our achievements, learn from our mistakes, and help each other to be the best we can be. Together, we're making insurance matter. How we 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. We think it's a good mix of collaborative face time and flexible home-working, setting us up to achieve the right balance between work and life. Our approach to AI We believe in the power of AI to meaningfully improve how we work - helping us move faster, think differently, and focus on what matters most. At Zego, we encourage people to stay curious and intentional about how AI is leveraged in their work and teams to drive practical impact every day. This is your chance to do the most meaningful work of your career - and we'll provide you with the tools, support, and freedom to do it well.

We reward our people well. Join us and you'll get a market-competitive salary, private medical insurance, company share options, generous holiday allowance, and a whole lot of wellbeing benefits. We also offer an annual flexible hybrid working contribution, which you can use to support with your travel to the office or towards your own personal development. And that's just for starters!