Our Management Team

ARAG plc was founded in the UK in 2006 by a team of highly motivated market professionals. With an ARAG Management Team who have a combined experience totalling well over 100 years in the legal expenses industry and covering all aspects of the business, we have the pedigree and expertise to fully understand what our clients want.

We concentrate on creating innovative products coupled with exceptional service delivery in both the Before-the-Event and After-the-Event legal expenses markets. In addition we have a unique range of emergency assistance products designed to offer unrivalled customer service.


Meet our Senior Managers

Tony Buss, Managing Director

Tony Buss, ARAG MD

Career and interests:

"I joined Legal & General straight from Bristol Grammar School and spent ten happy years as a Liability Insurance Underwriter including working in the City of London before returning to Bristol in 1987 to take up a career in Legal Expenses Insurance (LEI).

LEI was at that time relatively small, but over the years it has grown substantially, and I’d like to think that I have played a significant part in raising its profile and importance within society as a whole.

In 2006, I seized the opportunity of being part of launching ARAG into the UK, particularly as ARAG’s strong heritage since 1935 has always been based on a simple idea that “every individual should be able to assert his or her rights, not just those who can afford it”.

My passion is to ensure that this idea becomes reality in the UK.

When time allows, my beloved golden retriever Harry needs walks to the local pubs where regulars try in vain to convince me to switch my allegiance from Bristol Rovers to a more productive pastime.

Zena and I enjoy our regular travels to the French Riviera now that our four children are all grown up and I like to keep fit and think I’m still young by regularly running, going to the gym and attempting to play the drums like John Bonham of Led Zeppelin."


Tony Buss, Managing Director of ARAG UK, shares the vision and values that are important to his organisation.

David Haynes, Underwriting Director

David Haynes ARAG director

Career and interests:

"I have worked in the legal expenses industry since leaving school in the 1980's, undertaking a variety of roles including underwriting, sales and product development before settling down at ARAG and heading up the Underwriting & Product Development teams.

In February 2018 I was delighted to join the ARAG UK Board and am looking forward to helping shape the future strategy of the business. I view legal expenses as a challenging market that offers many opportunities to work alongside brokers and insurers, enhancing their own products and services.

I am a keen sportsman and will partake in anything involving a round ball. I especially enjoy golf and play whenever I can as well as being a long suffering Bristol City season ticket holder. Off the green I like reading, walking and of course entertaining.

I am married with two boys both of whom are very keen on sport (like their dad), in particular football and cricket."


David Haynes talks about the importance of innovation in crafting products to meet the specific needs of customers.

Bob Moreton, Chief Financial Officer & Company Secretary

Bob Moreton ARAG

Career and interests:

"I originally studied Accountancy at UWE in Bristol and trained in the manufacturing industry where I achieved my professional accountancy qualification. I have worked in the paper and print industry and also with Unilever plc where I used to analyse the cost of the red stripe in toothpaste!

Fellowship of CIMA followed and, at the risk of showing my age, I have now worked for 30 years in legal expenses insurance. I was one of a small group of individuals who came together in 2006 to form the ARAG UK start up and in my current role I am responsible for Finance and, IT and Compliance.

We are experiencing a data led revolution in our personal lives and in all areas of the business, not just the areas I am primarily responsible for, and the interesting challenge for me is to ensure that we make best use of our resources to ensure ARAG responds effectively to the great challenges and opportunities that digitisation and digitalisation bring to our business and to the markets we operate in.

I am married, have three “grown up” children, two at University, and a dog named Ziggy. For hobbies I enjoy travel (still hoping to get to Machu Picchu…), dog walking, cycling, football, golf and all things to do with fish, including fly fishing and keeping Koi carp."

Chris Millward, Head of Claims

Chris Millward, Head of Claims ARAG

Career and interests:

"My entire professional career has been based in insurance, working within claims and customer services since 1999. All but two years have been spent in Legal Expenses Insurance.

I joined ARAG in 2007 and have held various positions within the Claims department since, latterly as Claims Manager, which has given me an in-depth understanding of our customer needs and how to deliver a quality service which is something I remain passionate about protecting.

Outside of work, I’m married with two young boys who like to keep me busy! I enjoy country walks, listening to music and following sport."

Andy Talbot, Head of Sales & Marketing

Andy Talbot, Head of Sales ARAG

Career and interests:

"I graduated with an honours degree in Business Administration and initially worked for a Lloyd's broker in the City and then as a commercial underwriter for a composite insurer.

Enjoying face-to-face contact with brokers, I moved into development underwriting and then was tempted by a role in legal insurance, which soon took me from South London to Bristol. Having enjoyed studying in the West Country (and the cheaper house prices!), this soon became home and since then I have married and now have two teenage children.

I helped found ARAG UK and initially just looked after the Before-the-Event sales function, but did such a good job I now head up the After-the-Event sales team too! I also manage the Marketing team where we combine our collective skills to link customer journey and a clear brand strategy.

Interests include spending as much time walking the dog in Cornwall as possible, trying to stand up on a surfboard, part-owning and following AFC Wimbledon and foreign travel."


Head of Sales, Andy Talbot, talks about the ARAG approach to building profitable relationships with our business partners.