The Big Idea: winner revealed

Mr Garforth came out top from more than 50 entries to the competition - held by Insurance Age and Axa Personal Lines - that sought to find the next idea that will change the personal lines market.

These entries were whittled down to a final five, which were judged by a panel of ‘Dragons’, comprising Mike Keating, managing director of intermediary and partnerships management at Axa Personal Lines, Eric Galbraith, chief executive of the British Insurance Brokers’ Association (Biba), and Patrick