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Pricing and Underwriting apprenticeship pathway

Turning uncertainty into stability

Tap into your brilliance every day

Is Pricing and Underwriting right for you?

At Aviva, we’re here to protect what matters most whether that’s your home, your car, your business, or something a bit more specialist. Every insurance policy starts with a decision: should we cover this, and if so, what’s the right price?

That’s where our Underwriting and Pricing teams come in.

Underwriting is all about making confident, informed decisions. As an underwriter you’ll assess risks based on the type of cover we’re giving, the likelihood of something bad happening, the value of what’s being insured, and the customer’s history of making claims. You’ll negotiate terms and decide whether we should offer cover. It’s a mix of analysis, curiosity and great people skills.

Pricing is more about the numbers. You’ll dive into data, build predictive models, and use market insight to calculate fair and competitive prices. It’s perfect if you love getting stuck into the detail and solving tricky problems.

Whether you’re more into people or data, this pathway gives you the chance to explore both sides – and find out where you shine.

Salary:£26,700
Duration: Permanent role from day one with three year learning programme.
Locations: Perth, Norwich, York, London

What you can expect

From day one, you’ll be learning loads, getting stuck in, and making a real impact. You’ll train alongside experienced underwriters and pricing professionals, gaining hands-on experience and learning how we assess risk and set prices. Along the way, you’ll explore topics – from global trade to climate change and how world events can affect insurance.

You’ll also get to grips with the financial side of how insurance works. We’ll support you every step of the way. You’ll have support and guidance from coaches and senior leaders as well as access to data tools, and the chance to work across teams. You might even rotate into different areas, to help you figure out what you enjoy most and where your strengths lie.

We’re here to help you build the skills and knowledge you need to grow your career. You’ll be part of a supportive environment where you can stretch yourself, learn new skills and try new things, and build strong connections. From approachable leaders to supportive colleagues, you’ll find encouragement at every step.

Along with formal study time, you’ll learn on the job, gaining real-life experience working within our expert teams. Which means you’ll be empowered to own your work, but you won’t do it alone. You’ll have supportive people all around you, every step of the way.

We don’t expect you to have had any previous industry experience – the apprenticeship and your on the job learning will teach you everything you need to know. Right now, we’re more interested in your passion, enthusiasm, and willingness to learn.

You’ll spend 80% of your time working in the role and 20% working towards your qualifications. For pricing its likely you’ll study the Level 4 Data Analyst apprenticeship and for Underwriting roles, the Level 3 Insurance Professional Apprenticeship qualification – you’ll also get a Certificate in Insurance from the Chartered Insurance Institute.

Specialisms

Explore more about each specialism, by clicking on the tiles below.

Pricing

Ever wondered how we work out the right price for insuring everything from small businesses to massive global brands? It’s all about data, sharp thinking, and making fair, competitive decisions. If you’re into numbers, strategy, and shaping the future of insurance, this could be what you’re looking for.

Read more

Underwriting

How do we decide which commercial risks to cover – and what to charge for them? That’s where underwriting comes in.

You’ll be joining the team that sets the strategy behind those big decisions and helping shape the future of business insurance.

Read more

Where you’ll be based

We have Pricing and Underwriting apprentice opportunities in our London, Norwich, Perth and York offices.  Not all roles are available in every location, see our advert for more details.

After your training period the likelihood is you’ll balance time in the office with working from home.

Wherever you’re based, 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 every week is typical, but this will vary between teams. When you join us, your leader will take time to discuss this with you, and agree 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 your contracted 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 to succeed.

Perth      Norwich       York      London

What you’ll need

The qualifications you need depend on which apprenticeship you’re applying for. 

Pricing apprenticeships

  • You’ll need to have or be on track for
    • at least three A-Levels at grades B, B, C or above(England) OR
    • at least four Highers at grades B, B, B, C or above (Scotland) OR
    • an equivalent Level 3 qualification.
  • Plus at least five GCSEs (or Scottish National 5s) at grades A*-C (9-4) (or equivalent), including English and Maths.

Underwriting apprenticeships

  • You’ll need to have or be on track for
    • at least two A-Levels at grades B and C or above(England) OR
    • at least three Highers at grades B, B, C or above (Scotland) OR
    • an equivalent Level 3 qualification.
  • Plus at least five GCSEs (or Scottish National 5s) at grades A*-C (9-4) (or equivalent), including English and Maths.

Alongside that, we’re looking for great communicators who can share ideas confidently, collaborate across teams, and adapt when things get busy or priorities shift. You’ll be able to work independently as part of a team and manage balancing work and study.

In addition to meeting the above criteria, you must:

  • have lived in the UK or European Economic Area (EEA) for at least 3 years by the start of the apprenticeship in September 2026.
  • be eligible to work full-time in the UK for the entire duration of the apprenticeship and beyond
  • be available for full time work from 7 September 2026 when all our apprentice roles start. 

Please note this job role isn’t sponsorable under the Home Office points based system so therefore Aviva cannot provide visa sponsorship for this programme. To apply, you’ll need indefinite right to work in the UK. If this applies to you, we’d love to hear from you.

Get yourself set to shine

Thinking about applying for an early careers opportunity with Aviva? We want you to feel confident every step of the way. That’s why we’ve created our Early Careers prep hub. Here you can…

  • discover your strengths, values, and learning styles
  • try out mock assessments and video interviews
  • get some hints and tips on the assessment process

Start your journey with us feeling brilliantly prepped.

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.

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

When you first apply, we’ll ask you to send us a copy of your CV and answer some short questions.

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 and your thought processes along with a Numerical Reasoning test.

Step 3 – Video interview

If you pass the online tests, we’ll send you a link to complete a recorded video interview. You’ll answer a few strengths-based questions (with a practice one first to help you warm up). Our system will guide you through it step by step. During the interview, you’ll have the chance to tell us why you’re excited to star your career with Aviva.

Step 4 – Virtual assessment day

If you do well, we’ll invite you to a virtual assessment day.

You’ll meet some of the team, get a feel for what it’s like to work here and show us what you’re all about. Do well and you’ll get an offer to start in September 2026.

Meet the team

Frank

Heidi

Kyle

Central development programme

No matter which pathway you’re on, you’ll also take part in our Central Development Programme during your first two years. It’s designed to boost your role-based training and any qualifications you’re working towards.

Find out more

What you’ll get

The work you do will make a real difference to our customers, and we’ll make sure your rewarded for it. With flexible benefits to suit your lifestyle, we’ve got you covered.

Find out more

Locations

Our apprentice offerings are based in some of the UK’s most vibrant cities, all of which are great places to live, work and explore. You’ll find details of the locations for your chosen pathway above, and you can learn more about each one below.

Our locations

Ready for the next step?

If you’re looking for real empowerment in a company that puts people first, now’s the time to apply.

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