Graham is a qualified actuary with more than 20 years' experience in personal lines insurance spanning underwriting, pricing, broking, consultancy and retail distribution. He joins from Allianz UK, where he served as Managing Director, Home, and interim Managing Director, UK Personal Broker, overseeing major personal lines portfolios across home, motor, and broker channels. He also spent several years at Saga, where he served as Chief Commercial Officer with responsibility across trading, marketing and broader commercial functions, following earlier leadership of the Saga Services pricing team. Prior to this, he spent 15 years at Willis Towers Watson leading on pricing, product, claims and underwriting. At Policy Expert, Graham’s leadership role will include the provision of strategic oversight across key trading and insurance functions within its home, motor, and pet insurance lines, ensuring the business continues to grow sustainably and remains resilient in an evolving risk landscape.
His appointment follows that of Richard Kirby as Chief Operating Officer in March 2026, strengthening the business’ transformation, technology, data and product capabilities, after another year of profitable expansion. Policy Expert’s results for the period ending 31 December reported revenue of £210.3m, growth of 2.7% year-on-year. Its home insurance book remains the cornerstone of the portfolio, with more than 1.4 million active policies, £350m in GWP and a 43% best estimate loss ratio, reflecting the strength of its underwriting approach and claims management capability.
Graham’s appointment follows the decision of David Prior, Chief Underwriting Officer, to enter retirement after almost 14 years with the business.
Steve Hardy, Chief Executive Officer at Policy Expert, commented: "Graham has an impressive depth of experience in underwriting and pricing in personal lines and will bring a new perspective, technical expertise and actuarial discipline as we look to maintain our market leading position and support great outcomes for customers. In turn, David’s retirement follows a brilliant career – he helped shape the business to what it is today. We are enormously grateful for the significant role he has played and wish him a well-deserved retirement.”
Graham Wright, Chief Growth Officer at Policy Expert, added: "Policy Expert is a business with strong momentum, a clear customer focus, and a technology-underpinned model that gives it a stand-out proposition in the personal lines market. I'm delighted to be joining the team and look forward to supporting the next phase of growth.”
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