INS302 Personal Lines Underwriting Management (8)

This subject provides the student with the knowledge and skills to assess and underwrite risk relating to personal lines classes and to survey risk exposure and interpret portfolio performance.

Subject Outlines
Current CSU students can view Subject Outlines for recent sessions. Please note that Subject Outlines and assessment tasks are updated each session.

No offerings have been identified for this subject in 2018.

Where differences exist between the Handbook and the SAL, the SAL should be taken as containing the correct subject offering details.

Subject Information

Grading System



One session


School of Accounting and Finance

Enrolment Restrictions

Bachelor of Business (Insurance) students only

Assumed Knowledge

Learning Outcomes

Upon successful completion of this subject, students should:
  • be able to relate the general principles of Underwriting to Personal Lines insurance
  • be able to evaluate the risk exposures inherent in Personal Lines
  • be able to evaluate the proposal and analyse and categorise the risk
  • be able to decide proposed basis of cover
  • be able to provide quotation to proposer or intermediary
  • be able to draft the policy document
  • be able to review operational performance of policies and portfolios


This subject will cover the following topics:

Definition and explanation of personal lines products
Analysis of the issues to be addressed in underwriting personal lines insurance
Analysis of the principles of hazard assessment and risk transfer in personal lines
Recognition and evaluation of non-routine situations in underwriting personal lines insurance
Analysis of the risk factors for householders' insurance, private motor, personal accident and sickness, consumer credit, travel and pleasure craft insurance
Investigation and evaluation of risk in the personal lines products, and compilation of information including survey report and inspections
Identification and analysis of exposures and relationship of these to company policy and procedures for acceptance and rating and insurance coverage to be offered
Determination of the cover to be provided via:
standard policy documents appropriate for the risk or
variations, extensions, excesses or alternative options
Preparation of the quotation based on the analysis of relevant factors and rating applicable and determination of provisional cover
Selection and modification of policy form and calculation of the premium and accounting and renewal records
Review and analysis of database records of premiums and claims to monitor and report on claims ratios and profitability and analysis of appropriate remedial strategies
Personal lines may include:
Private Motor
Personal Accident And Sickness
Consumer Credit
Pleasure Craft
Sources of law may include:
Statute Law
Insurance Contracts Act 1984
Disability Discrimination Act 1992
Fair Trading Acts
Racial Discrimination Act 1975


Current Students

For any enquiries about subject selection or course structure please contact Student Central or or phone on 1800 275 278.

Prospective Students

For further information about Charles Sturt University, or this course offering, please contact info.csu on 1800 275 278 (free call within Australia) or enquire online.

The information contained in the 2018 CSU Handbook was accurate at the date of publication: August 2018. The University reserves the right to vary the information at any time without notice.