Actuarial Pricing & Underwriting

Pricing and underwriting expertise play a critical role in managing the quality of business provided by St Andrew's.

Experienced, qualified people in these teams are able to draw on many years' data such that clients can be confident of keen rates backed up with a rigorous and ongoing review of performance.

Open and transparent relationships built with our clients allow for a full and complete understanding of the business to be underwritten. Rates provided are tailored to client requirements and reflect the considerable experience that St Andrew's has in providing household insurance.

All St Andrew's schemes are continually monitored such that any required corrective action can be made in good time and in consultation with our clients. Automated production of key indicators and a robust set of processes for review and action help us and our clients to a full and current understanding of scheme performance. And regular formal underwriting reviews by senior management are a key part of the way in which St Andrew's manages this aspect of our business.