Role Overview

The Motor Underwriter is responsible for evaluating, pricing, and underwriting risks related to motor insurance policies. This role ensures profitability by balancing risk selection with competitive offerings, while maintaining compliance with company guidelines and regulatory standards.

Key Responsibilities
Risk Assessment
Evaluate motor insurance applications for private cars, commercial vehicles, and fleets.
Analyze driver history, vehicle type, usage, and claims experience.
Determine appropriate coverage terms, premiums, and conditions.
Underwriting & Policy Management
Apply underwriting guidelines, rating manuals, and actuarial models.
Draft and review policy wordings and endorsements.
Maintain accurate documentation of underwriting decisions.
Stakeholder Engagement
Collaborate with brokers, agents, and clients to clarify coverage needs.
Provide technical guidance to sales teams and customer service staff.




Build solid relationships to support business growth.
Claims & Risk Control
Work with claims teams to assess motor losses and exposures.
Recommend risk improvement measures (e.g., driver training, telematics).
Market Awareness
Monitor industry trends, competitor practices, and regulatory changes.
Contribute to product development and pricing strategies.

Requirements

Qualifications
Bachelors degree in Automobile engineering or mechanical engineer.
Skilled certifications from III is preferred.
More than 10 years of underwriting experience in motor/general insurance.
Robust analytical, negotiation, and decision-making skills.
Proficiency in insurance software and risk modeling tools.
Excellent communication and interpersonal skills.

📌 Motor Underwriter Hyderabad
🏢 Kshema General Insurance
📍 Hyderabad