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Board of Directors

Our Board not only has significant experience in the Insurance Sector but also have a range of specialisms which ensure all aspects of our competency profile are well covered. The matrix at the bottom of this page explains the specialisms, where a Board member has a competency darkened this indicates a primary specialism; a lighter colour is a secondary specialism for that Board member.

Luke Savage, Chair of the Board

Non-executive Chair of the board, Luke is responsible for the leadership of the board, setting the agenda and ensuring the board’s effectiveness on all aspects of its role.

Appointment to the Board:
Appointed to the board and as Chair in February 2020.

Committee membership:
Nomination & Governance (Chair to 31 December 2021) and a member of the Remuneration Committee (from February 2020). Attends the Audit & Risk Committee by invitation.

Current directorships/business interests:

  • Numis Corporation plc, Chair
  • Numis Securities Ltd
  • Liontrust Asset Management Plc, Chair


Skills and experience:

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Eamonn Flanagan, Independent Non-Executive Director and Chair of the Remuneration Committee​

Eamonn Flanagan

Appointment to the Board
Appointed to the Chesnara plc board in July 2020 and as Chair of the Remuneration Committee in January 2022.

Committee membership:
Audit & Risk and Remuneration (Chair)

Current directorships/business interests

  • Movestic Livförsäkring AB, Chair of the company and member of the Audit & Risk Committee
  • Movestic Fonder AB
  • A J Bell, NED

Skills and experience:

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Steve Murray, Group Chief Executive

Appointment to the Board

.Appointed as a director of Chesnara on 2 August 2021 and as Group Chief Executive on 19 October 2021.

Career, skills and experience

Steve joined Chesnara from Royal London where, as part of their Group Executive Committee, he was Chief Commercial Officer with Group wide accountability for M&A and Strategy, Transformation and Analytics & Insight, as well as accountability for its legacy business and the take to market activity across the UK insurance and savings business. He was also a director of Royal London Asset Management. Prior to that he spent 15 years at Standard Life across a variety of roles, seeing it through demutualisation and IPO before leading Group M&A and strategy. He then worked in Standard Life’s UK & European insurance business initially as CEO of 1825 financial planning before becoming MD Commercial & Strategy. After leading the first phase of the separation of the UK & European insurance business to Phoenix, he was appointed as Deputy Head of the Private Market division in Aberdeen Standard Investments. Steve started his career with EY.

Current directorships/business interests:

  • Countrywide Assured Services Ltd
  • CASFS Ltd
  • Countrywide Assured Life Holdings Limited
  • Movestic Livförsäkring AB
  • Scildon NV Supervisory Boardli>
  • Waard Group Supervisory Board
  • Cattanach -a private charity (Chair)


Skills and experience:

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Jane Dale, Senior Independent Non-Executive Director and Chair of the Audit & Risk Committee

Appointment to the Board:
Appointed to the Chesnara plc board in May 2016 and as Chair of the Audit & Risk Committee in December 2016. Appointed as the board’s Senior Independent Non-Executive Director in October 2018.

Committee membership:
Audit & Risk (Chair) and Nomination & Governance

Current directorships/business interests:

  • Countrywide Assured plc, Chair of the Audit & Risk Committee
  • Covea Insurance plc and Covea Life Limited, NED and Chair of the Audit Committee
  • Novia Financial plc, NED and Chair of the Audit Committee; and Novia Financial Holdings Limited, NED
  • Brown & Brown (Europe) Holdco Limited, NED and Chair of the Risk & Compliance Committee.


Skills and experience:

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Carol Hagh, Independent Non-Executive Director and Designated Workforce NED​

Appointment to the Board:
Appointed to the Chesnara plc board on 14 February 2022.

Committee Membership:
Nomination & Governance (Chair from 9 April 2024) and Remuneration.

Current directorships/business interests:

  • Countrywide Assured plc, NED
  • Old Game New Rules Ltd, Director and Founder
  • Direct Line Insurance Group plc, NED (with effect from 1 April 2024)
  • UK Insurance Ltd and Churchill Insurance Company Ltd (part of Direct Line Insurance Group)


Skills and experience:

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KARIN BERGSTEIN, Independent Non-Executive Director

Appointment to the Board:
Appointed to the Chesnara plc board on 14 February 2022.

Committee Membership:
Nomination & Governance and Audit & Risk

Current directorships/business interests:

  • Van Lanschot Kempen N.V., NED
  • Bank Nederlandse Gemeenten N.V., NED
  • University Medical Center Groningen, NED
  • Bergstein Advies B.V., General Manager
  • Foundation for Continuity of NN Group, NED
  • Foundation for Preference Shares Wereldhaven, NED

Skills and experience:

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TOM HOWARD, Chief Financial Officer

Appointment to the Board:
Appointed to the Chesnara plc Board on 15 April 2024.

Career, skills and experience:
Tom is a highly experienced CFO with over 25 years of industry experience and joined from Aviva Investors, the asset management division of Aviva plc where he was most recently CFO. Over a 14-year period, he has held a variety of senior roles within Aviva plc, including Director of Mergers & Acquisitions for Aviva Group and CFO for Aviva's Life and General Insurance business in Ireland. He has an extensive leadership track-record in strategy, M&A, capital management and financial reporting in UK and European insurance businesses. Tom is a fellow of the Institute and Faculty of Actuaries.



Skills and experience:

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GAIL TUCKER, Non-Executive Director

Appointment to the Board:
Appointed to the Chesnara plc Board on 29 January 2025.

Career, skills and experience:
Gail is a retired PwC partner with over 30 years' experience in financial services audit, predominantly focused on the insurance sector. Gail has also been the Global IFRS technical partner responsible for insurance and financial instruments and brings a well-developed perspective on the UK life and pensions industry. A qualified accountant, Gail holds a BSc from the University of Warwick and a BA from The Open University. She is currently a Trustee of the Breast Cancer Now charity and a member of the Institute of Chartered Accountants in England & Wales (ICAEW) Financial Services Board. For 7 years she was an independent Council member at the University of Warwick and a member of its Audit & Risk committee.


Skills and experience:

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  • Key Skill
  • A Industry knowledge - UK
  • B Industry knowledge - Sweden/Netherlands
  • C Governance - Actuarial
  • D Governance Financial / Audit
  • E Risk Management
  • F Investment Management
  • G M & A and Business Development
  • Key Skill
  • H Commercial Management
  • I Change Management
  • J Ensuring Good Customer Service and Outcomes
  • K Information Technology / Cyber
  • L Sustainability including ESG
  • M People & Reward
  • N Regulatory



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