An Advantage with us

Expert advice. Personal touches. Way beyond the ordinary.

Advantage Risk Solutions offers something refreshingly different: a holistic approach to managing your risk and insurance portfolio.

Whether you are a business or an individual client, our bespoke service eliminates the hassle of dealing with assorted companies, numerous members of staff and piles of paperwork. Instead, you have just one contact who will manage every aspect of your risk and insurance requirements – from reviewing your current risk profile through to finding the right policies to protect your assets and liabilities to handling your insurance claims process. What’s more, all of this is delivered with exceptional levels of customer service. We’re proud to say that there is no-one else out there quite like us.


How we work

We design insurance and risk management programmes for businesses, not for profit organisations and high net worth individuals based around three core principles: prevention protection and support.


Proactive Risk Management and Loss Prevention

Taking a full review of your insurance and risk needs; identifying ways in which your risk profile can be improved and introducing appropriate controls or enhancements.


Meticulous Insurance Protection

Ensuring that your protection is right for you; identifying gaps and suggesting better alternatives where appropriate. Providing the right solution to ensure the ultimate protection of your assets and liabilities in the most cost-effective way.


Uncompromising Assistance

We’re there for you every step of the way: from support throughout a claims process through to ongoing guidance and advice – as your insurance needs inevitably change over time. We are only ever a quick phone call away. Our ethos is based on long-term partnerships. We are not here to simply tick boxes and move on. If you’re not entirely comfortable with the language of insurance and risk management, you’ll find our approach refreshingly jargon-free and easy to digest, too. We speak your language and we are not fans of hard selling. Clients come to us for professional advice – and because we go that extra step in the level of service we provide.  


Why Advantage Risk Solutions?

We believe that the service we offer is one-of-a-kind. However, it’s not just that which sets us apart. We think and behave very differently to your average insurance broker, too.

We’re Creative

We embrace and encourage change and welcome new ideas. We won’t just opt for the easy route, we will genuinely work hard to find the best solutions for our clients, no matter what it takes.

We’re Transparent

We will always tell you how much we are going to earn from arranging your insurance portfolio. Similarly, we won’t charge you any additional fees unless these are agreed in advance and clearly identified.

We’re Experts

With many years’ combined experience, it’s fair to say we know our subject matter; we understand our clients and we speak their language.

We’re Attentive

We’re committed to building long-term client relationships based on mutual trust. This involves listening, understanding and anticipating our clients’ needs. We also take pride in a highly personalised service.

We’re Independent

Because we’re not tied to a particular set of products or services, we can offer high quality, independent advice.

We’re Connected

We’re in close touch with the market: our in-depth knowledge and breadth of contacts will ensure that we’re always aware of new trends, new ideas and innovative products.

A genuine Advantage

We love what we do and we believe that shines through with our personal approach and the quality of advice we offer.

Who We Are

Advantage Risk Solutions is the brainchild of two insurance professionals who identified a gap in the market for a holistic, tailored approach to insurance and risk management.

Advantage Risk Solutions is part of the Asset Advantage Group, a leading independent privately owned asset finance business; and while the two businesses offer complimentary services, they operate independently of one another.


Robert Munday


Robert has over 20 years experience working within the insurance industry, starting his career with an independent insurance brokerage before moving on to an underwriting role within Zurich Insurance plc. Robert then moved back into broking in 2000 when he joined Graham Brown Insurance Brokers in Guildford, who were acquired by Aston Scott in 2005.

Robert remained with Aston Scott and progressed to the position of Branch Director until his departure in 2014 when he left to establish Advantage Risk Solutions.

Emma Pendrey


Emma has been working in the insurance industry since 2002 when she joined leading global broker Aon, specialising in insurance and protection for the High Net Worth Sector. After a short career break Emma joined Aston Scott in 2012 as Account Executive to build and develop their High Net Worth proposition.

Emma left Aston Scott in 2014 to establish Advantage Risk Solutions.

Jonathan Eddy


Jonathan graduated from University of Westminster with a 1st in BA (Hons) Business Studies. He initially worked for Standard Chartered Bank before moving into the leasing industry at Capital Charter (part of Bank of Scotland). Jonathan then moved to KBC Lease prior to joining Asset Advantage. He became Managing Director in 2002.

Alastair Ramsay


Alastair graduated from University of London with a BSc. (Hons) in Mathematics and is an ACCA qualified accountant. He has over 20 years of experience of the financial services industry, most recently as Finance Director of Japaninvest Group plc.

Philip Knight


Philip graduated from University College of North Wales with a 2:1 BSc. (Hons). He began his career at Lloyds Corporate Banking, before moving to the Group Credit department at Lloyds Bank Head Office Risk Management. Following roles in Credit and Risk at Lloyds Bowmaker, De Lage Landen and BNP Paribas, Philip joined Asset Advantage in 2007.