Underwriting Services Overview

Direct Group offers market-leading expertise in a variety of underwriting services and access to our own personal lines products through industry standard platforms, as part of a panel (including 3rd party products) and bespoke white label solutions, for which a full suite of Third Party Administration (TPA) services can be provided.

Product structuring and design

Designing specialist products or schemes to fit your business needs and cater for quick delivery to market

Risk selection

Dedicated Underwriters to support you with an optimal risk selection strategy

Rating and pricing

Our Underwriters can review individual risk characteristics to create rating factors to help determine the premium the consumer is quoted

Capacity sourcing and management

We arrange and manage multiple capacity providers to provide you with a one-stop shop solution


We can support with various aspects to facilitate a product launch, such as training, sales and marketing

Detailed reporting

We can offer detailed reporting to track performance and specialist support such as propensity modelling, to support your business development

Our Brands

Our portfolio of award-winning whole sale brands provide a comprehensive coverage for customers and allows insurance distributors a cost efficient and non-volume dependant option in providing specialist or niche business that’s more tailored to their clients .

Midas Logo

MIDAS Underwriting

Catering for niche risks requiring specialist underwriting attention and expertise for non-standard Home via MIDAS Crown (for ‘hard’ risks) and MIDAs Jewel (for ‘soft’ risks). Plus non-standard Motor and NI specialist cover

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Fortress Logo


A bedroom rated standard Home buildings and/or contents insurance product catering up to 5 bedrooms. Tailor a cost effective solution for your clients by using your own add-on product arrangements or alternatively access a large selection of ancillary products through us.

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MIDAS Commercial

MIDAS Commercial

Specialist Commercial Combined and Property Owners Insurance catering for the SME market.

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Lutine Logo


Offering Individual and Group Life Protection cover including specialist covers such as Key man, and Ex-patriates. Group Life scheme members also get the benefit of free access to ‘Lifestyles’, an online employee benefits platform.

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Direct Group Underwriting

Ancillary products

Create a bespoke customer proposition by combining ancillary products to complement Home, Motor and Commercial policies

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Simple Logo


Simple Insurance provides 5* Defaqto rated Landlords Insurance, comprehensive Caravan cover for both static and touring caravans and Home Insurance, for buildings and contents.

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Maras has been working in partnership with property professionals for over 20 years and is of the most established referencing and insurance providers in the lettings market.

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Working with us

This product is available to brokers or intermediaries, retail and affinity partnerships via: