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Underwriting graduate pathway

Turning uncertainty into stability.

Find a career that brings out your spark.

Is Underwriting right for you?

You might know Aviva for our home or car insurance. But we offer all kinds of other  specialised products, services and expertise in areas like Contingency and Marine Insurance too.

Whatever the type of insurance, there are lots of factors that affect how much it costs. This includes the type of cover being provided, the likelihood of something bad happening, the value of what’s being insured, and the customer’s history of making claims in the past.

Our underwriting teams take all this, and more, into account. They assess whether it’s something we’d be comfortable to insure and, if so, how much we would charge our customer for it. So they are analytically minded, yes, but also brilliant negotiators and creative thinkers too. Sound like you?

If so, join us, turning uncertainty into stability for our 19.5 million customers.

You don’t need a degree in any particular area. We believe a talent for knowing what makes people tick, a passion for learning, and the confidence to make clear decisions are far more important. Whatever you studied, bring these qualities and we can teach you the rest.

Salary: £32,500
Duration: Permanent role, with two-year development programme
Locations: London

Applications for the Underwriting graduate pathway are now closed.

What you can expect

You’ll train and grow with us, soaking up information from our underwriters, and gaining valuable experience. In order to assess risk, you have to have knowledge of all kinds of fascinating topics that have an impact on the products and services we provide. So your training could include learning about geopolitical issues, world trade, climate change, fine art, popular culture and more. You’ll learn about the financial mechanisms that underpin the whole process, too.

We will support you to progress toward receiving your licence to underwrite, at which point you will get a portfolio of your own to underwrite and develop. At the end of it all, you’ll be an experienced Underwriter, and a leader in-the-making, with the professional credentials and practical experience to build a great career.

And that’s not all, because in years one and two, you’ll also benefit from our supported central development programme, giving you everything you need to become a well-rounded professional and a future business leader.

Underwriting Specialisms

For 2025 we have graduate opportunities within two specialisms. During your application you will have the chance to choose the specialism that suits your skills, interests and aspirations best.

Marine Underwriting

Marine underwriting, as the name suggests, involves assessing and insuring maritime risks. As you can imagine, it’s a fascinating field that’s puts you right at the heart of international trade and commerce.

Read more

Contingency Underwriting

How do the organisers of huge events like concerts, festivals and major sports tournaments protect themselves from the risks of unexpected cancellations or disruptions? The answer could lie with you.

Read more

Where you’ll be based

Our 2025 Underwriting Graduate roles will be based in London.

The likelihood is you’ll balance time in the office with working from home. We call this Smart Working. Three days in the office and two days from home is typical, but this will vary between teams. When you join us, your leader will take time to discuss this with you, and agree on what works best for you, your team, and the business.

Even with our Smart Working approach, it’s important to note you’ll still need to live within commuting distance of the relevant office. That way you’ll get to spend time with your team in person, as well as virtually, and get access to the right internal support networks to help you succeed.

London

What you’ll need

You’ll either already have a degree (in any subject) or be on track to graduate by the end of Summer 2025 and be available for full-time work from September 2025.

You’ll also need to be a quick learner, decisive, and good at building a rapport with others.

A passion for keeping abreast of world events is key. An interest in Geography, politics, world trade and subjects such as fine art will be key for the Marine role, and for the Contingency role an additional interest in artists, bands and events will set you up for success.

Show us your spark

That’s what we want to see. So, each stage of our application process is designed to bring out the best in you. Below is a step-by-step guide, which you’ll see varies slightly depending on the pathway you choose.

If we can help to make the process smoother for you with any additional support or reasonable adjustments, please let us know by emailing avivaearlycareers@aviva.com.

Step 1 – Apply online

For the initial online application, we’ll ask you to attach a copy of your CV and answer a short questionnaire about why you’re interested in this programme. We want to hear about what you enjoy doing, what you’re good at, and how you connect with our values.

Step 2 – Online Tests

If you’re shortlisted, the next stage is online testing. For all pathways, this includes a Situational Strengths test – featuring tasks and scenarios that show us how you like to work, your thought processes and your personal strengths.

For Accountancy, Actuarial, Claims, Finance, Underwriting and Wealth, there’s also a Numerical Reasoning test. And if you choose Software Engineering within Technology, you’ll be asked to complete a coding test.

Step 3 – Video interview

If you pass the online tests, you’ll be sent a link to complete a recorded video interview. You’ll be given a series of strengths-based questions – with a practice question first – and our online system will guide you through the process step by step. During the interview, you’ll have the chance to tell us what’s made you want to start your career with Aviva.

Step 4– Assessment day

If you do well, you’ll be invited to an assessment day. It’s your opportunity to get insights into what it’s like to work at Aviva and to meet some of the people who work here. Impress us there and you’ll be offered the role to start in September 2025.

Central Development Programme

Designed to augment your role-based training and any qualifications you’re working towards, whichever graduate pathway you choose, during the first two years you’ll complete the Central Development Programme.

Find out more

What you’ll get

The work you do at Aviva will make a real difference to our customers, and we’ll recognise your contribution with a range of benefits to suit the life you live.

Find out more

Locations

Our graduate offerings are based in some of the UK’s most vibrant cities, all of which are great places to live and work. Details of the specific locations available on this pathway are shown above, and you can find out more about each location below.

Our locations
We currently have
202 roles across
12 locations, organised into
6 teams.