PA Underwriter

Key purpose of the role

Acasta are seeking a skilled and detail-oriented Personal Accident Insurance Underwriter to join our dynamic team. As a Personal Accident Insurance Underwriter, you will be responsible for assessing and evaluating risks associated with PA insurance applications, determining coverage and premiums, and ensuring compliance with industry regulations. Your expertise will contribute to the overall profitability and success of our PA insurance products.


Key accountabilities

  • Review and analyse PA insurance applications/schemes to assess risks and determine profitability.
  • Utilise underwriting guidelines, risk assessment tools, and industry best practices to make informed decisions regarding coverage, exclusions, and premium rates.
  • Conduct research, gather relevant information, and analyse data to accurately assess risk levels and make appropriate underwriting decisions.
  • Collaborate with insurance agents, brokers, and underwriting team members to obtain additional information, clarify policy details, and provide guidance on risk assessment.
  • Ensure compliance with internal underwriting policies and guidelines, as well as regulatory requirements in the travel insurance industry.
  • Maintain accurate and up-to-date records of underwriting decisions, policy endorsements, and correspondence with agents and policyholders.
  • Monitor industry trends, changes in regulations, and emerging risks that may impact PA insurance underwriting practices.
  • Provide exceptional customer service by addressing inquiries, resolving issues, and explaining underwriting decisions to agents, brokers, and policyholders.
  • Participate in team meetings, training sessions, and professional development activities to enhance underwriting skills and knowledge.
  • Collaborate with product development teams to provide input on new product offerings and enhancements based on underwriting experience and market insights.



    • Proven experience as a PA Insurance Underwriter or in a similar underwriting role within the insurance industry.
    • Strong analytical skills and the ability to interpret complex data and make sound underwriting decisions.
    • In-depth knowledge of PA insurance products, underwriting principles, and industry regulations.
    • Excellent attention to detail and accuracy in assessing risks and determining coverage.
    • Effective communication skills to interact with agents, brokers, and policyholders in a professional and customer-oriented manner.
    • Proficiency in using underwriting software, databases, and Microsoft Office Suite.
    • Ability to work independently and collaboratively within a team environment.
    • Strong organizational and time management skills to prioritize tasks and meet deadlines.

    The important bits:

    • Working hours are Monday to Friday (9am-5pm)
    • Smart casual office attire
    • Onsite parking
    • Mental Health Package



    • Support towards relevant qualifications.
    • Extra day off for your birthday.
    • Benefits and Reward programme (with over 4,000 perks and discounts) Monthly Flexi Days (Subject to Attendance and Performance Maximum of 1 per month) .
    • Regular social events.
    • Free Fruit. Coffee Machine.
    • Life support: Access to counselling for emotional problems and a pathway to structured therapy sessions (employees only) at your convenience.
    • Legal information: For issues that cause anxiety or distress including debt management consumer, property or neighbour disputes (employees only).
    • Bereavement support: Qualified and experienced counsellors who can help with grief plus legal advisors to help with related legal matters. Medical information: Qualified nurses are on hand to offer support on a range of medical or health-related issues offering practical information and advice.
    • Online CBT: We recognise the value of self-help tools in dealing with a range of issues, which is why we have a range of CBT self-help modules, informative fact sheets and invaluable advice videos from leading qualified counsellor


    The other bits:

    • Holidays – 20 Days + Bank Holidays (1 day is added each complete year of working for Acosta Europe with a maximum of 25 days)
    • Excellent public transport links, close to the M60 motorway. (Cheadle Hulme train station is a 5-minute walk from the office.)
    • You’ll be reporting directly to the Managing Director.


    We offer a supportive working environment, opportunities for growth and development and a competitive salary.

    If you are ready to take your career to the next level, we’d love to hear from you!


    If you would like to apply for the role, please send a CV and cover letter to