King of the high street

Andrew Tjaardstra recently caught up with Swinton chief Patrick Smith and discovered why, following the recent acquisition of Budget Retail, he believes the high-street model has a bright future

Patrick Smith is an insurance institution. Following a distinguished career at Norwich Union, he resigned in 1999 - after being pipped to the post of head of general insurance by Patrick Snowball.

Since then, Smith has not looked back, after throwing himself into broking and turning round a company that was going backwards under the ownership of Royal & SunAlliance. From 2001, in partnership with French insurer MMA, Smith embarked on a rapid acquisition expansion that has seen Swinton sitting

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