Underwriting

The main role of the Underwriting department is to ensure focus is always maintained on the quality of risks we’re writing and all accepted risks fall within the overall underwriting guidelines for
NFU Mutual as a whole. We aim to provide a feasible approach to the underwriting of risks, taking into account all relevant factors. This helps us to be confident that we’re always quoting the correct premiums and applying adequate terms for all risks that are proposed to us, and to accept or decline risks based on their own merits. We make every effort to be as consistent as possible when, so that the same terms are always applied for similar proposed risks.

The key functions of the department are to handle all underwriting queries from Sales and Customer Services, plus undertaking renewal reviews of all policies where claims have been made. We’re also responsible for ensuring that all new policies are issued within agreed services standards and for providing product training and support across NFU Mutual Direct.