First Central
Gareth Howell is an experienced financial and underwriting leader with a strong background in the insurance industry. Currently serving as Chief Financial Officer and Chief Underwriting Officer at First Central since October 2019, Gareth is responsible for the underwriting and pricing strategy, as well as the commercial P&L of the insurance business. Prior to this role, Gareth held various executive positions at AXA, including Executive Managing Director, where responsibilities included full P&L and operational ownership of AXA Insurance’s direct and personal intermediary businesses. Gareth's career also includes significant roles at Zurich Financial Services, focusing on personal lines, pricing, and product management. Gareth is a Fellow of the Institute of Actuaries, with a degree in Maths and Economics from the University of Exeter.
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First Central
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First Central Insurance & Technology Group is committed to restoring and maintaining trust in the industry through technology and data to reduce risk, tackle fraud and deliver products for the future. Our in-house capabilities, people and commitment to innovation makes us stand out from others in the industry. Having established as a group in 2008, we have over 1,000 dedicated colleagues across our subsidiary businesses, with locations in Guernsey, Gibraltar, Sussex and Manchester. We deliver market-leading motor insurance, underwriting, distribution, finance, technology and legal services. Our car insurance broker, 1st CENTRAL, is firmly established as a top supplier on UK price comparison websites and became the number 1 best-selling brand on these sites (December 2021). Meanwhile, our underwriting brand, Skyfire Insurance, uses state-of-the-art data sources and capabilities to assess risk at a granular level in order to provide competitive private motor insurance premiums.