UK

United Kingdom · Finance · Lead (8-12 years)

Lead Insurance Underwriter

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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  • Experience bandLead (8-12 years)
  • Direct reports3-6 reports
  • Reports toUnderwriting Manager
  • UK framework levelUsually a manager, or the deepest specialist in a team

Also advertised as Staff Underwriter · Principal Underwriter (Technical) · Underwriting Team Lead

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

Two short quizzes about you

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 5 of 10 standards
Highfield Level 3 Certificate in Providing Financial Services (RQF) Highfield Qualifications · Level 3 · covers 2 of 10 standards
City & Guilds Level 3 Award in Providing Financial Services City & Guilds Limited · Level 3 · covers 2 of 10 standards
City & Guilds Level 2 Certificate In Providing Financial Services City & Guilds Limited · Level 2 · covers 2 of 10 standards
Highfield Level 2 Certificate in Providing Financial Services (RQF) Highfield Qualifications · Level 2 · covers 1 of 10 standards

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

The units you would start with

Underwriting complex new risks City & Guilds Level 3 Certificate In Providing Financial Services
Underwriting straightforward new risks City & Guilds Level 2 Certificate In Providing Financial Services
Underwriting straightforward alterations to life, pensions and investment contracts Highfield Level 2 Certificate in Providing Financial Services (RQF)

The future skills this job leans on

Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Sustainability Fluency building care for people and planet into the work
Systems Fluency seeing the whole picture
Your Plan Illustration

Built for Lead Insurance Underwriter

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

  1. Underwriting complex new risks City & Guilds Limited · covers 5 of 10 standards Level 3
  2. Underwriting straightforward new risks City & Guilds Limited · covers 2 of 10 standards Level 2
  3. Underwriting straightforward alterations to life, pensions and investment contracts Highfield Qualifications · covers 1 of 10 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 a Lead Insurance Underwriter?

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

  • Deep Data Storytelling & Visualisation
  • Parametric Insurance Design & Application
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 Lead Insurance Underwriter plan as you set up, starting with the free Data Fluency module. No card.

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

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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

Underwrites complex risks and guides other underwriters, owning a significant part of an insurance portfolio.

4What you'd actually use

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

Core Underwriting Platforms (e.g., Guidewire PolicyCenter, Duck Creek Policy) Advanced

You'll manage a full portfolio within the system, configure simple products or rules, troubleshoot data issues, and train junior staff on its effective use. You know the platform inside out.

Pricing & Modeling Tools (e.g., WTW Radar, Earnix, @RISK for Excel) Advanced

You'll build and stress-test pricing models for non-standard risks, interpret complex model outputs to justify pricing decisions, and robustly defend model assumptions to internal and external parties.

Geospatial & Catastrophe Modeling (e.g., RMS RiskLink, Verisk AIR Touchstone) Expert

You'll analyse portfolio-level exposure, interpret detailed catastrophe model outputs to inform risk selection and pricing on complex accounts, and use this data to inform strategic underwriting decisions.

Data Query & Visualization (e.g., SQL, Power BI, Tableau) Advanced

You'll write complex SQL queries to conduct ad-hoc portfolio analysis, identify trends, and build new Power BI or Tableau dashboards to track team performance and present insights to leadership.

Advanced Excel (Power Query, VBA, Advanced Formulas) Expert

You'll use Power Query to clean and merge disparate data sources, build sophisticated, multi-sheet workbooks for complex portfolio analysis, and potentially write simple VBA macros to automate routine tasks for your team.

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
Underwriting Authority (Per Risk) None (recommendations only, supervisor signs off) Up to £500K GWP (routine risks within strict guidelines) Up to £5M GWP (complex, bespoke risks, with full rationale)
New Underwriting Guideline Development Suggest minor wording changes to supervisor Propose new clauses for specific risk types to senior underwriter Define and implement new guidelines for a market segment, with manager consultation
Team Hiring & Performance Management Provide feedback on interview candidates if asked Informal guidance to new joiners, provide input on junior performance reviews Interview and recommend candidates for your team, conduct performance reviews, provide formal mentorship plans
Broker Relationship Strategy Respond to broker queries as directed Manage relationships for assigned accounts, build new relationships through networking Develop and execute relationship strategy for key broker partners, identify new growth opportunities through broker channels
Project Budget Allocation No authority Recommend software or training purchases up to £5K to manager Approve project budgets up to £100K for initiatives within your domain, consult on larger spends

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.

Portfolio Loss Ratio (Assigned Book)
The ratio of claims paid out to premiums earned for your specific book of business and your team's portfolio.
Target · Maintain a loss ratio at or below 55% (target varies by line of business)

If your book generates £10M in premium and incurs £5.2M in losses, your loss ratio is 52%, which is within target. If it's 60%, we'll be having a chat about risk selection.

New Business Hit Rate (Complex Accounts)
The percentage of new, complex submissions you quote that actually convert into bound policies.
Target · Achieve a quote-to-bind ratio of 20-25% on new business submissions over £100K GWP

You quote 50 complex risks in a quarter and bind 12 of them. That's a 24% hit rate, which is solid, especially for the tricky stuff.

Renewal Retention (Key Accounts)
The percentage of desirable renewal accounts (typically those over £50K GWP) that you and your team successfully retain.
Target · Retain 90%+ of desirable renewal accounts

Out of 100 key renewals, you manage to retain 92. That's great, as losing these big accounts can really hurt our GWP.

Underwriting Authority Adherence (Team)
Ensuring that you and your direct reports consistently operate within their defined underwriting authority limits and guidelines.
Target · 0 breaches of documented underwriting authority per quarter for your team

Your team wrote 150 policies last quarter. The internal audit found no instances where an underwriter exceeded their 'pen' authority or ignored a critical guideline. That's what we want to see.

Mentee Progression
The development and advancement of the junior underwriters you mentor.
Target · 1-2 mentees ready for promotion to the next level (e.g., Underwriter to Senior Underwriter) annually

Your Assistant Underwriter, Sarah, has consistently taken on more complex risks under your guidance and is now ready for her own 'pen' and a promotion. That's a win for everyone.

Broker Relationship Strength
How effectively you build and maintain strong, trusted relationships with our key broker partners, especially for complex or challenging risks.
  • Key brokers actively seek you out for advice on difficult risks, rather than just sending submissions. They'll tell your manager you're fair, knowledgeable, and responsive. You're getting early insights into market opportunities.
Team Technical Guidance & Mentorship
The quality and impact of your technical guidance and mentorship for your direct reports and other junior underwriters.
  • Junior underwriters consistently approach you with their toughest questions. They're making fewer errors on their own. Their performance reviews show tangible improvement in their underwriting judgment and decision-making, directly attributing it to your guidance.
Strategic Input & Guideline Development
Your contribution to evolving our underwriting strategy, risk appetite, and internal guidelines for specific lines of business or market segments.
  • Your ideas and analysis are regularly considered and incorporated into new underwriting guidelines or product enhancements. You're proactively identifying emerging risks or market opportunities and bringing well-thought-out proposals to the leadership team.
Cross-Functional Collaboration
How well you work with other internal teams (e.g., Claims, Actuarial, Legal) to resolve complex issues or improve processes.
  • You're seen as a fair and knowledgeable partner by other departments. When there's a tricky claim or a new product idea, they bring you in early. You're helping bridge the gap between underwriting and other functions, not creating silos.

7Would you like it

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

What people enjoy
Solving Complex Puzzles

You thrive on dissecting intricate risk submissions, piecing together disparate data, and crafting bespoke solutions for unique client needs. The more ambiguous or challenging the risk, the more engaged you are. You love the intellectual challenge of finding the right answer when there isn't an obvious one.

A broker sends you a submission for a new, experimental technology company with no comparable market data. Instead of declining, you see it as an opportunity to build a new risk model from scratch, pulling in data from adjacent sectors and making reasoned assumptions.

Mentoring & Developing Talent

You get a real kick out of seeing your team members grow. You're happy to spend time explaining the 'why' behind a decision, reviewing their work, and guiding them through difficult situations. Their success feels like your success.

One of your junior underwriters is struggling with a complex renewal. You sit down with them, break down the problem, and guide them to the correct pricing and terms, empowering them to present it confidently to the broker.

Making a Tangible Commercial Impact

You're driven by the knowledge that your decisions directly contribute to the company's bottom line. You want to see your book of business perform well, and you're proud when your strategic input leads to profitable growth or avoids a significant loss.

You implement a new underwriting guideline for a specific class of business that you helped develop. Six months later, you see the loss ratio for that class improve significantly, directly impacting the company's profitability.

What frustrates people
  • The 'Broker Squeeze': The relentless pressure from brokers to match a competitor's 'cowboy quote' on a risk you know is underpriced, forcing you to choose between losing good business or breaking pricing discipline. At this level, it's not just about your decision, but setting an example for your team.
  • Incomplete Submissions: Receiving a 2MB zip file titled 'URGENT' at 4:30 PM on a Friday, only to find it's missing the loss runs, the financial statements, and any coherent description of the client's operations. You'll spend your time chasing basic info instead of analysing.
  • Post-Claim Quarterbacking: Having your underwriting file from three years ago scrutinised under a microscope by claims and management after a large, unexpected loss occurs, with the full benefit of hindsight. You'll need to defend your original rationale, sometimes years later.
  • Legacy System Purgatory: Battling a 15-year-old, green-screen underwriting workstation that requires arcane keyboard shortcuts and crashes if you look at it the wrong way, all while brokers expect instant turnarounds. You'll spend more time fighting the tech than underwriting.
  • The 'Sales Prevention Department' Label: Being perceived by the sales and business development teams as a roadblock to growth, when you are the primary guardian of the company's profitability and solvency. You'll need a thick skin and a strong voice to defend your decisions.
  • Constantly Shifting Appetite: Building a strong pipeline of business in a specific niche, only to be told by management that 'we're coming off that class of business' due to a big loss elsewhere in the company. It can feel like your hard work is being undone.
What this role does not give you
  • A quiet, predictable 9-to-5: Expect urgent requests, shifting priorities, and sometimes working late to get a complex deal across the line.
  • Complete autonomy without accountability: You'll have significant authority, but every decision is ultimately tied to the portfolio's performance and subject to review.
  • A purely technical, heads-down role: You'll be spending a lot of time talking to people—brokers, your team, internal stakeholders—not just crunching numbers.

8Who you work with

You'll shape the profitability and risk profile of a significant segment of our business. Your decisions directly influence our underwriting results and our reputation in the market. Beyond that, you're building the next generation of underwriters, which is crucial for our long-term success. Get it right, and we're growing sustainably; get it wrong, and we're facing tough questions from the board.

Inside the business
  • Underwriting Manager & Head of Underwriting
  • Actuarial & Pricing Teams
  • Claims Team Leads
  • Product Development
  • Legal & Compliance
Outside the business
  • Senior Broker Partners
  • Key Client Contacts (occasionally)
  • Reinsurance Brokers

9What you need before you start

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

  • Proven track record as a Senior Underwriter, consistently managing a complex book of business and demonstrating strong technical judgment.
  • Demonstrable experience in mentoring junior underwriters or leading small project teams, with a genuine interest in developing others.
  • Expertise in at least one major line of business (e.g., Property, Casualty, Financial Lines), including advanced policy wording and pricing.
  • A deep understanding of insurance financial metrics (loss ratio, combined ratio, GWP) and how to influence them.
  • Strong existing relationships with key broker partners and a reputation for being a credible, commercially astute underwriter.
  • The ability to work autonomously and make high-stakes decisions with confidence, even in ambiguous situations.

10What to practise next

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

AI/ML Model Validation & Governance

More of our pricing and risk selection will be influenced by AI and machine learning models. As a Lead Underwriter, you won't just use these models; you'll need to understand their limitations, validate their outputs, and ensure they're fair and compliant. This is about trust but verify.

Model Explainability (XAI) · Bias Detection & Mitigation · Adversarial Attacks · Regulatory Compliance for AI

  • This month: Attend internal workshops on our current AI models and their underlying logic.
  • Next quarter: Take an online course on AI ethics or model governance.
  • Month 3-6: Work with the Actuarial or Data Science team to participate in a model validation exercise.
  • Ongoing: Question AI-generated recommendations, don't just accept them blindly.

Quick win: Familiarise yourself with the basic concepts of how our pricing models are built and where the data comes from.

ESG (Environmental, Social, Governance) Risk Assessment

ESG factors are no longer just for 'green' investors; they're becoming critical for assessing long-term risk and reputation across all industries. Underwriters need to integrate ESG considerations into their risk analysis, especially for large corporate accounts, to ensure we're not underwriting future liabilities.

Climate Risk Quantification · Social Impact Assessment · Governance Frameworks · ESG Data Sources

  • This quarter: Read our company's ESG report and understand our current stance.
  • Next 3 months: Take an introductory course on ESG in finance or insurance.
  • Month 4-6: Start asking brokers for ESG-related information on large submissions and incorporate it into your risk assessment.
  • Ongoing: Discuss with our risk team how ESG factors are being monitored internally.

Quick win: For your next large corporate submission, proactively look for news or public reports related to their ESG performance and consider its potential impact on their risk profile.

11Staying current once you are in

What people here do to keep up
  • Regularly attend industry conferences and seminars to stay abreast of market trends, emerging risks, and regulatory changes.
  • Participate in internal working groups focused on product development, underwriting guideline enhancements, or system improvements.
  • Seek out opportunities to mentor junior colleagues and share your expertise.
  • Engage with external industry bodies or professional networks to build your profile and gather market intelligence.
  • Pursue advanced training in specific areas of risk assessment, such as catastrophe modelling, climate risk, or cyber security underwriting.

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.

Deep Data Storytelling & Visualisation

We're drowning in data, but insights are rare. Leadership needs more than just dashboards; they need compelling narratives that explain 'why' trends are happening and 'what' we should do about it. Underwriters who can translate complex data into clear, actionable stories will be invaluable.

  • Narrative Structure for Data
  • Audience-Centric Visualisation
  • Identifying Causal Relationships
  • Ethical Data Communication

Parametric Insurance Design & Application

The market is moving towards simpler, faster claims payouts, especially for climate-related risks. Parametric products, which pay out based on an objective trigger (e.g., wind speed, rainfall amount), are growing. Underwriters need to understand how to assess, price, and structure these new product types.

  • Trigger Event Definition
  • Index Data Sourcing
  • Basis Risk Assessment
  • Pricing Parametric Products

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Risk Appetite Framework (RAF) Application
  • Loss Ratio & Combined Ratio Analysis
  • Policy Wording & Manuscript Endorsements
  • Reinsurance Treaty Interpretation & Placement
  • Exposure & Hazard Identification (Advanced)
  • Rate Making & Technical Pricing (Advanced)

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

    Senior Underwriter (Internal Promotion)

    3-5 years as a Senior Underwriter

    Skills to master

    • Consistently managing a complex book of business, developing strong broker relationships, taking on informal mentorship roles, demonstrating proactive problem-solving.

    You're ready to move on when

    • You're consistently hitting your loss ratio and GWP targets on your book.
    • Junior underwriters regularly come to you for technical advice.
    • You're proactively identifying areas for guideline improvement or new product ideas.
    • You're comfortable leading complex negotiations with minimal oversight.
  2. 2

    Specialist Underwriter (External Hire)

    8-12 years in a specialist underwriting role elsewhere

    Skills to master

    • Deep expertise in a niche line of business, strong technical pricing skills, established broker network in that specialism, ability to quickly adapt to our risk appetite and systems.

    You're ready to move on when

    • You've managed a significant portfolio of specialist risks with demonstrable profitability.
    • You bring a strong network of specialist brokers.
    • You can quickly articulate your technical approach to complex, niche risks.
    • You're eager to share your specialist knowledge and mentor others.
  3. 3

    Actuarial or Claims Specialist (Internal Transition)

    Roughly 5-8 years in a relevant actuarial or senior claims role, plus 2-3 years as a mid-level underwriter

    Skills to master

    • Transitioning from a purely analytical or reactive role to a proactive, commercial underwriting mindset. Building strong broker relationship skills and understanding the 'art' of underwriting beyond the numbers.

    You're ready to move on when

    • You've actively sought out secondments or shadowing opportunities in underwriting.
    • You demonstrate a strong commercial drive and an understanding of market dynamics.
    • You've started to develop external relationships with brokers.
    • You've completed relevant underwriting qualifications (e.g., ACII modules).

15Where this role leads

The long view: This role can lead to Head of Underwriting or Chief Underwriting Officer, taking on wider portfolios and setting underwriting strategy.

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 Lead Insurance Underwriter is actually changing.

Where it leads

Roles this leads to

The record names a next step, but the catalogue has no page for it yet:

  • Underwriting Manager (Management Path)
  • Principal Underwriter (Individual Contributor Path)

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 Underwriting complex new risks, worked against Lead Insurance Underwriter.

Underwriting complex new risks Level 3

Applied to your work in Lead Insurance Underwriter

This unit aims to provide learners with a comprehensive understanding of underwriting complex new risks within the insurance industry. Learners will gain knowledge of industry roles, insurance policies, and organisational procedures, enabling them to obtain customer information, underwrite risks, communicate decisions, and maintain accurate records.

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
Lead Insurance Underwriter
  • Risk Appetite Framework (RAF) Application
  • Loss Ratio & Combined Ratio Analysis
  • Policy Wording & Manuscript Endorsements
  • Reinsurance Treaty Interpretation & Placement
  • Exposure & Hazard Identification (Advanced)
  • Rate Making & Technical Pricing (Advanced)
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.

16The 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

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

  1. Underwriting Manager (Management Path)

    3-5 years as a Lead Underwriter

    From L4 to L5

    • Developing and implementing departmental underwriting strategy
    • Overseeing multiple lines of business or market segments
    • Advanced talent development and succession planning
    • Reporting team performance to senior leadership

  2. Principal Underwriter (Individual Contributor Path)

    3-5 years as a Lead Underwriter

    From L4 to L5

    • Designing and implementing new, complex product offerings
    • Acting as the ultimate technical referral point for the entire company on specific risks
    • Leading major strategic initiatives (e.g., new market entry, large portfolio reviews)
    • Developing and delivering advanced underwriting training programmes
Working with AI on the job

Working with AI

Where AI is starting to help

Imagine having more time for complex analysis, strategic broker conversations, and mentoring your team, instead of getting bogged down in repetitive tasks. That's the reality AI is bringing to underwriting, right now.

As a Lead Underwriter, your time is precious. AI isn't here to replace your expert judgment, but to augment it, taking the grunt work off your plate. It means less time on data entry and chasing basic info, and more time on high-value, strategic decision-making and developing your team's capabilities. Think of it as having a super-efficient assistant for every mundane task, freeing you up to focus on what truly matters.

Submission Auto-Ingestion

AI tools can automatically read broker submission emails and attachments—like ACORD forms and PDFs—extracting key data points such as client name, requested limits, and revenue. This data then pre-populates your underwriting workstation, often before you've even opened the email. No more manual data entry for basic info.

Risk Flagging & Triage

An AI assistant can scan the ingested submission data against our internal underwriting guidelines and risk appetite. It instantly flags high-risk characteristics, highlights missing critical information, or identifies knockout factors that warrant an immediate decline. This lets you quickly triage submissions and focus your expert eye on the ones that truly need it.

Hazard & Trend Research

Instead of manually searching for news articles, industry reports, or regulatory updates, an AI agent can provide a real-time summary of a client's recent news, identify industry-specific risks, or highlight new geospatial threats (like flood zone changes) relevant to a complex submission. It's like having a research analyst on demand.

Broker Communication Drafts

AI can generate initial draft emails for common communications, such as a 'Request for More Information' (listing exactly what's missing) or a polite 'Decline to Quote' letter with a templated rationale. You can then quickly personalise and send these, saving significant time on routine correspondence and ensuring consistent messaging.

Common questions

Common questions

How do you become a Lead Insurance Underwriter?

Common routes in include Senior Underwriter (Internal Promotion) (3-5 years as a Senior Underwriter), Specialist Underwriter (External Hire) (8-12 years in a specialist underwriting role elsewhere) and Actuarial or Claims Specialist (Internal Transition) (Roughly 5-8 years in a relevant actuarial or senior claims role, plus 2-3 years as a mid-level underwriter). Times vary with prior experience.

Where can a Lead Insurance Underwriter progress to?

This role can lead on to Underwriting Manager (Management Path) (3-5 years as a Lead Underwriter) and Principal Underwriter (Individual Contributor Path) (3-5 years as a Lead Underwriter), depending on the skills you build.

What new skills matter most for a Lead Insurance Underwriter?

Increasingly, Deep Data Storytelling & Visualisation and Parametric Insurance Design & Application. These are the skills our record of this role lists as growing.

Free tools

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

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17Where to go from here

Other roles at Level 5

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

Knowledge of risk, commercial judgement and analytical skills transfer well. This can lead to broader risk management roles, actuarial consulting, or product development in financial services. Experience managing complex contracts and assessing financial exposures counts in these areas.

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 Data 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.