United Kingdom · Finance · Mid-Level (2-5 years)

Insurance Manager

Here is the whole job, in plain words. What it is, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

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As an Insurance Manager, a good place to start on Prompt Engineering (for routine drafting & analysis) is Using and Checking AI Tools in Daily Work, a free Future Fluency module at Level 3. You'd practise using everyday AI tools on real tasks from your own week, and checking what they produce before you use it.

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  • Experience bandMid-Level (2-5 years)
  • Direct reportsNo direct reports
  • Reports toSenior Insurance Manager
  • UK framework levelUsually a coordinator, or early in a professional job

Also advertised as Senior Insurance Analyst · Risk & Insurance Specialist · Finance Risk Coordinator

Built on 43,079 real UK job descriptions we analysed · grounded in what real qualifications cover

1From this job to a course

The qualifications matched to this job

City & Guilds Level 3 Certificate In Providing Financial Services City & Guilds Limited · Level 3 · covers 7 of 20 standards
City & Guilds Level 3 Award in Providing Financial Services City & Guilds Limited · Level 3 · covers 5 of 20 standards
Highfield Level 3 Certificate in Providing Financial Services (RQF) Highfield Qualifications · Level 3 · covers 3 of 20 standards
City & Guilds Level 2 Certificate In Providing Financial Services City & Guilds Limited · Level 2 · covers 5 of 20 standards
Highfield Level 2 Certificate in Providing Financial Services (RQF) Highfield Qualifications · Level 2 · covers 1 of 20 standards
City & Guilds Level 2 Diploma in Business Administration City & Guilds Limited · Level 2 · covers 1 of 20 standards

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Collating and analysing statistical insurance data City & Guilds Level 3 Certificate In Providing Financial Services
Processing complex insurance business as an intermediary City & Guilds Level 3 Award in Providing Financial Services
Processing complex insurance renewals Highfield Level 3 Certificate in Providing Financial Services (RQF)
Collating, preparing and monitoring information and data from a variety of sources City & Guilds Level 2 Certificate In Providing Financial Services
Processing straightforward insurance policy documentation Highfield Level 2 Certificate in Providing Financial Services (RQF)
Collate and report data City & Guilds Level 2 Diploma in Business Administration

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
Systems Fluency seeing the whole picture
Your Plan Illustration

Built for Insurance Manager

6 units that map to this job, from the qualifications that cover it.

  1. Collating and analysing statistical insurance data City & Guilds Limited · covers 7 of 20 standards Level 3
  2. Processing complex insurance business as an intermediary City & Guilds Limited · covers 5 of 20 standards Level 3
  3. Processing complex insurance renewals Highfield Qualifications · covers 3 of 20 standards Level 3
  4. Collating, preparing and monitoring information and data from a variety of sources City & Guilds Limited · covers 5 of 20 standards Level 2
  5. Processing straightforward insurance policy documentation Highfield Qualifications · covers 1 of 20 standards Level 2
  6. Collate and report data City & Guilds Limited · covers 1 of 20 standards Level 2
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

2AI and this work

Will AI change your work as an Insurance Manager?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • Prompt Engineering (for routine drafting & analysis)
  • Data Storytelling (for basic insights)
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Insurance Manager plan as you set up, starting with the free AI Fluency module. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

Keep this read. One email with what AI is changing in this job, the new skills it asks for and where to start free. Nothing else follows unless you confirm your address.

3What this role really is

An insurance manager keeps a company's insurance data accurate and its risk cover in order. You check that insurance data is correct, that certificates of insurance go out on time, and that claims get reported quickly. The role sits at the centre of the company's risk transfer arrangements, making sure cover is in place when something goes wrong.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

RMIS (Risk Management Information System) - e.g., Origami Risk, Riskonnect Intermediate

Entering claims data, running pre-built reports for claims history or COI issuance, managing COI issuance modules, and updating policy information. You'll be following established workflows, but doing so independently.

Advanced Excel (Power Query, PivotTables) Intermediate

Using VLOOKUPs/XLOOKUPs, PivotTables, and basic formulas for premium allocations, reconciling data from various sources, and preparing exposure schedules for renewals. You should be comfortable manipulating existing data models and cleaning data.

Data Visualisation Tools (e.g., Power BI, Tableau) Basic

Viewing and interacting with existing dashboards to pull claims data, loss run information, or premium trends. You'll be able to filter and interpret the data, but not necessarily build new dashboards from scratch yet.

GRC Platforms (e.g., ServiceNow GRC, Archer) Basic

Responding to data requests from the GRC team, understanding how our insurance data feeds into the overall risk register, and perhaps updating basic insurance-related controls if guided.

Document Management Systems (e.g., SharePoint, OpenText) Intermediate

Uploading and tagging policies, endorsements, and certificates. You'll manage folder structures, ensure correct version control, and retrieve documents efficiently when needed.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Issuing Certificates of Insurance (COIs) Prepares draft COIs for review and approval by a senior team member. Independently issues standard COIs within established parameters. Escalates non-standard requests or complex wording requirements. Defines the overall COI issuance process and approval matrix. Approves non-standard or high-risk COI requests.
Claims Reporting & Initial Management Logs incident details into the RMIS and prepares initial notification for review. Reports routine claims directly to insurers, tracks progress, and gathers initial information. Escalates complex or litigated claims to senior management. Leads the strategy for significant claims, manages external counsel, and negotiates settlements with insurers.
Policy Review & Document Management Uploads and files policy documents following strict naming conventions. Performs initial review of new policies for obvious changes/errors, highlights these to senior management, and manages the digital policy library. Negotiates policy wording directly with brokers/insurers, designs the policy document management taxonomy, and ensures compliance.
Data Collection for Renewals Gathers specific data points from internal teams as requested by a senior team member. Independently manages the data collection process for specific lines of coverage, verifying accuracy and completeness before submission to brokers. Defines the overall data strategy for renewals, reviews consolidated exposure data, and presents it to underwriters.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

COI Issuance Speed
How quickly you can turn around standard Certificates of Insurance requests for our internal teams and external partners.
Target · >95% of standard requests fulfilled within 24 hours

If we get 50 standard COI requests in a month, you'd need to complete at least 48 of them within a day. The remaining 2 might be complex and need more time, but they'd be the exception, not the rule.

Data Accuracy for Renewals
The cleanliness and correctness of the exposure data you gather and prepare for our insurance renewals. This is critical for getting good pricing.
Target · <2% error rate in renewal exposure data submitted

If you submit 100 data points for our property renewal, we'd expect no more than two minor errors. A major error, like a missing location or incorrect valuation, would be a much bigger deal, obviously.

Claims Reporting Lag Time
The average time it takes from when an incident is reported internally to you, until it's formally reported to the insurer.
Target · Average time from incident notification to insurer reporting < 48 hours

If HR tells you about an employee incident on Monday morning, we'd expect you to have it formally reported to our Workers' Compensation insurer by Wednesday morning at the latest. Faster is always better, especially for serious incidents.

Policy Document Management
How well you organise and maintain our insurance policy documents, ensuring they're up-to-date and easily accessible.
Target · >98% of new policies and endorsements uploaded and tagged correctly within 5 business days of receipt

When a new policy document or endorsement comes in, you'll need to get it into our document management system, correctly named, tagged, and in the right folder, almost immediately. No one wants to hunt for a policy when a claim hits.

Internal Stakeholder Satisfaction
How happy our internal teams are with the support and information you provide regarding insurance matters.
  • Positive feedback from internal clients (e.g., Legal, HR, Operations) on your responsiveness and helpfulness. They'll come to you directly for routine questions, rather than escalating them to your manager. You're seen as a reliable point of contact for their insurance needs.
Process Improvement Contributions
Your ability to spot inefficiencies in our current insurance processes and suggest practical ways to make them better.
  • You'll proactively suggest small tweaks to our COI request form, or a better way to collect renewal data from a specific department. These aren't huge strategic shifts, but practical, day-to-day improvements that save time or reduce errors. You're not just following the process, you're thinking about how to polish it.
Proactive Issue Identification
Your knack for noticing potential problems or discrepancies in insurance documents or data before they become bigger issues.
  • You might spot a typo in a policy endorsement that could change coverage, or notice that a vendor's COI has expired without anyone else flagging it. You're catching the small stuff that could become big stuff later. Your manager won't have to point out obvious gaps
  • you'll bring them up first.
Informal Mentorship & Support
How well you help out new team members or junior analysts, sharing your knowledge and helping them get up to speed.
  • You'll be the one new joiners go to with their 'silly' questions. You'll patiently explain how a particular form works or where to find specific information. It's not formal management, but you're making the team stronger by sharing what you know and helping others get unstuck.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Ensuring Things Are 'Right'

You get a real kick out of knowing that a document is perfectly filed, a piece of data is completely accurate, or a process has been followed to the letter. There's a deep satisfaction in making sure the details are correct and that everything is in its proper place. It's about maintaining order and precision.

Successfully reconciling a complex premium allocation spreadsheet down to the last penny, or catching a crucial error in a policy document before it goes live.

Being the Go-To Person for Specific Tasks

You enjoy becoming the expert on particular insurance lines or processes. You like it when colleagues know they can rely on you for accurate information or to get a specific task done efficiently. There's satisfaction in building that reputation for reliability and knowledge within your defined area.

When the HR team always comes to you first for advice on employee benefits insurance certificates, or when you're the one who always knows where to find a particular historical policy document.

Contributing to the Company's Financial Defence

Even at this level, you understand that your work directly contributes to protecting the company's assets. Ensuring accurate claims reporting or proper policy documentation isn't just admin; it's a shield against financial loss. You feel a sense of responsibility in playing that part.

Successfully reporting a claim that leads to a significant payout, or ensuring all contractual insurance requirements are met for a new, important vendor.

What frustrates people
  • Chasing internal stakeholders for exposure data that's always late, incomplete, or just plain wrong.
  • Dealing with the sheer volume of Certificate of Insurance requests, many of which have slightly different, fiddly requirements.
  • Explaining basic insurance concepts repeatedly to people who just don't seem to get it.
  • The annual renewal scramble, which is always more chaotic than it needs to be.
  • Feeling like you're constantly putting out small fires rather than building something new.
What this role does not give you
  • Daily strategic decision-making or setting the overall insurance strategy for the company.
  • Direct management of a team or significant budget authority.
  • Constant exposure to novel, unstructured problems that require 'thinking outside the box' every day.
  • A quiet, uninterrupted environment – expect regular pings and requests.

8Who you work with

Your work ensures the smooth operation of our insurance programmes. You're making sure we meet our contractual obligations, accurately report incidents, and provide solid data for renewals. Get it right, and the company's financial risk is managed effectively. Get it wrong, and we could be looking at uninsured losses or compliance issues, which no one wants.

Inside the business
  • Senior Insurance Manager (your direct boss, obviously)
  • Legal Team (for policy wording and claims support)
  • Procurement (for vendor insurance requirements)
  • HR Team (for employee benefits and D&O related queries)
  • Operations Teams (for property and casualty exposure data)
Outside the business
  • Insurance Brokers (our main point of contact for policies)
  • Insurers (for claims reporting and basic queries)
  • External Vendors (who need COIs from us, or whose COIs we need to check)

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • At least 2-5 years of hands-on experience in an insurance, risk management, or finance role, ideally within a corporate environment or a brokerage.
  • Proven ability to manage multiple tasks and deadlines, especially in a data-heavy or document-intensive role.
  • Demonstrable experience with at least one RMIS platform (e.g., Origami Risk, Riskonnect) for data entry and reporting.
  • Solid intermediate-level Excel skills, including PivotTables, VLOOKUPs/XLOOKUPs, and basic data manipulation.
  • A track record of meticulous attention to detail and accuracy in previous roles.

10What to practise next

Where the job is going, and what to do about it starting this week.

RMIS Configuration & Custom Reporting

Critical within 12-18 months. As you become more familiar with our RMIS, you'll need to move beyond just running pre-built reports. The ability to configure simple dashboards, build custom reports for specific TCOR analysis, or even manage minor data integrations will make you invaluable.

Report Builder Interface · Dashboard Design Principles · Data Export & Import Templates · User Access & Permissions

  • This month: Explore the 'report builder' function in our RMIS. See what custom reports others have built.
  • Month 2: Ask your Senior Insurance Manager for a small, non-critical report you can try to build from scratch in the RMIS.
  • Month 3: Work with the RMIS vendor's support team to understand how to create a simple custom dashboard.
  • Month 4-6: Document one common data integration process and suggest improvements.

Quick win: Identify one recurring report that's currently done manually and investigate if it can be automated or built within the RMIS.

Advanced Excel Modelling & Automation

Important within 12 months. While you're good with Excel now, moving to the next level means building more complex financial models for risk retention analysis, using Power Query for more robust data cleansing, and even dabbling in VBA for process automation.

Financial Modelling Best Practices · Power Query for Data Transformation · Basic VBA for Macros · Scenario Analysis

  • This month: Take an online course on Power Query in Excel. It's a game-changer for data cleaning.
  • Month 2: Try to automate one repetitive task you do in Excel using a simple macro (record, then tweak).
  • Month 3: Work with your Senior Insurance Manager to build a small, simple model for a 'what if' scenario related to a deductible change.
  • Month 4-6: Explore using Excel's data validation and conditional formatting more extensively to improve data quality.

Quick win: Learn one new Power Query function this week and apply it to a dataset you regularly work with.

11Staying current once you are in

What people here do to keep up
  • Attend industry webinars and seminars on emerging risks (e.g., cyber, climate change) or new insurance products. Our brokers often host these, and they're a great way to stay current.
  • Join professional networks like the Association of Insurance and Risk Managers (AIRMIC) to connect with peers and learn from their experiences.
  • Take online courses (e.g., on LinkedIn Learning, Coursera) to brush up on your Excel skills, learn about data visualisation, or explore basic coding (like Python for data analysis).
  • Read industry publications and news (e.g., Insurance Post, Business Insurance) to keep abreast of market trends and regulatory changes.
  • Participate in internal training sessions, especially those related to our RMIS or other finance systems.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Prompt Engineering (for routine drafting & analysis)

Critical within 6 months—this isn't future tech, it's here now. Competitors are already using tools like ChatGPT or Claude to draft initial claim narratives, summarise policy changes, or even help clean data. Analysts who figure this out will simply be more productive, freeing up time for more complex work.

  • Clear & Concise Prompting
  • Context & Constraints
  • Output Validation
  • Iterative Prompting

Data Storytelling (for basic insights)

Important within 12 months. It's not enough to just present numbers; you need to be able to explain what they mean, especially to non-finance people. As you take on more ownership, you'll be asked to present basic claims trends or premium allocations, and simply showing a spreadsheet won't cut it anymore.

  • Audience Awareness
  • Key Message Identification
  • Visualisation Best Practices
  • Narrative Structure

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Total Cost of Risk (TCOR) Analysis (Basic Understanding)
  • Insurance Policy Wording Forensics (Identifying Key Terms)
  • Strategic Claims Advocacy (Supporting Role)
  • Risk Retention Modeling (Conceptual Understanding)
  • Broker & Underwriter Relationship Management (Entry Level)

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Insurance Analyst (L1)

    1-2 years

    Skills to master

    • Meticulous data entry, efficient COI processing, accurate claims logging, basic policy document filing, and understanding of core insurance terminology.

    You're ready to move on when

    • Consistently accurate and timely completion of all assigned tasks with minimal supervision.
    • Proactive identification of minor discrepancies in data or documents.
    • Ability to explain basic insurance concepts clearly to internal stakeholders.
    • Demonstrated reliability and a strong work ethic.
  2. 2

    Finance Assistant / Junior Accountant (from other departments)

    2-3 years (with relevant exposure)

    Skills to master

    • Strong Excel skills, attention to detail, understanding of financial processes, and a willingness to quickly learn insurance-specific concepts and systems (RMIS).

    You're ready to move on when

    • Excellent command of financial data analysis and reconciliation.
    • Proven ability to manage deadlines and handle sensitive financial information.
    • A genuine interest in moving into the insurance and risk domain, backed by self-study or relevant coursework.
    • Strong communication skills for interacting with new stakeholders.
  3. 3

    Brokerage Account Handler (Junior/Associate)

    2-4 years

    Skills to master

    • Understanding of client needs, experience with insurer interactions, knowledge of various insurance products, and strong communication skills (both written and verbal).

    You're ready to move on when

    • Experience managing a portfolio of small to medium-sized clients.
    • Familiarity with the insurance market and placement processes.
    • Ability to articulate coverage options and explain policy terms.
    • A desire to move 'client-side' and focus on a single corporate portfolio.

15Where this role leads

The long view: From here, the path can lead to risk and insurance leadership, senior risk management, or a chief risk officer role, depending on your strengths and interests.

16Pay and demand

Pay & demand

The figure is the median for full-time employees in the ONS occupation this job title codes to (Financial managers and directors), from the April 2025 survey, about six months old when published, as ASHE always is. It is that occupation's middle, not this role's. Half earn more.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Insurance Manager is actually changing.

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

A lesson from Collating and analysing statistical insurance data, worked against Insurance Manager.

Collating and analysing statistical insurance data Level 3

Applied to your work in Insurance Manager

The objective of this unit is to enable learners to collate, analyse, and report on statistical insurance data accurately and effectively. Learners will develop skills in applying appropriate statistical techniques, interpreting results, and maintaining accurate records, while adhering to internal policies, procedures, and external regulations.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

See Your Progress Grow Illustration
Insurance Manager
  • Total Cost of Risk (TCOR) Analysis (Basic Understanding)
  • Insurance Policy Wording Forensics (Identifying Key Terms)
  • Strategic Claims Advocacy (Supporting Role)
  • Risk Retention Modeling (Conceptual Understanding)
  • Broker & Underwriter Relationship Management (Entry Level)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

17The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Insurance Manager is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Senior Insurance Manager (L3)

    3-5 years in the current role

    You'll move from owning specific processes to managing entire insurance programmes for specific lines of coverage (e.g., Property or Casualty). You'll handle day-to-day broker interactions more independently and manage smaller claims from start to finish.

    • Full ownership of specific insurance lines (e.g., Property, Motor Fleet)
    • Leading routine renewal negotiations with brokers/underwriters
    • Managing claims from first notice to settlement (for non-litigated cases)
    • Conducting basic TCOR analysis for your specific programmes
    • Designing and implementing minor process improvements
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, parts of insurance management can be a bit of a grind. Chasing data, reviewing endless documents, drafting routine communications – it all takes time. But what if you could offload some of that to smart AI tools? We're not talking about robots taking over your job; we're talking about giving you superpowers to get through the tedious stuff faster, so you can focus on the more interesting, impactful work.

Here at Zavmo, we're really keen on using AI to make your day-to-day work smoother. For an Insurance Manager, that means less time on repetitive admin and more time on understanding risks, improving processes, and actually adding value. We're building out an AI Productivity Hub specifically for Finance roles, and you'll be one of the first to tap into these tools.

Automated COI Verification

Picture this: instead of manually checking every single Certificate of Insurance from our vendors, an AI tool scans them automatically. It'll verify that the limits, endorsements, and named insureds meet our contractual requirements, flagging only the non-compliant ones for your quick review. Think of the time you'll save on that avalanche of COI requests!

AI-Powered Policy Initial Review

When a new 100-page policy or endorsement comes in, you won't have to read every single word from scratch. An AI model can quickly compare it against last year's policy or a library of standard terms, instantly highlighting new exclusions, restrictive language, or missing clauses for your attention. It's like having a super-fast assistant for your first pass.

Initial Claim Narrative Drafting

Starting a new claim can be a bit daunting, right? You need to get all the key details down for the insurer. A generative AI assistant can help you draft a structured, comprehensive first notice of loss (FNOL) narrative. Just give it a few bullet points from an internal incident report, and it'll create a clear, concise draft, making sure you don't miss anything important.

Data Cleansing & Validation

The exposure data we get for renewals can be messy. AI tools can help you quickly identify inconsistencies, missing values, or potential errors in large datasets. It's not magic, but it's a huge step up from manual spreadsheet checks, helping you get cleaner data to our brokers faster and with less effort.

Common questions

Common questions

How do you become an Insurance Manager?

Common routes in include Insurance Analyst (1-2 years), Finance Assistant / Junior Accountant (from other departments) (2-3 years (with relevant exposure)) and Brokerage Account Handler (Junior/Associate) (2-4 years). Times vary with prior experience.

Where can an Insurance Manager progress to?

This role can lead on to Senior Insurance Manager (3-5 years in the current role), depending on the skills you build.

What new skills matter most for an Insurance Manager?

Increasingly, Prompt Engineering (for routine drafting & analysis) and Data Storytelling (for basic insights). These are the skills our record of this role lists as growing.

Free tools

Want a read on where you stand?

Three free tools, no account needed. Each one ends with a role, a level and a way in.

18Where to go from here

Other roles at Level 3

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

More jobs in finance

Stay in the field you know and move sideways rather than up.

If you leave this industry

The skills in this role carry across the insurance world. You could move into insurance broking, underwriting, or risk consulting. Understanding risk transfer, policy wording, and claims management has value across insurance, in the UK and elsewhere.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my free AI Fluency module What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.