Lumley Insurance Ltd

Reference number: 307431

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When lumleyinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01285 885885 is
  • Who else gives the postcode GL7 1YS
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Other names (5)

If you were contacted under any of these names, it is this firm.

  • Lumley Insurance Limited Former name: A name it was registered under before.
  • Lumley St Aubyn Insurance Services Limited Former name: A name it was registered under before.
  • Taylor St Aubyn Insurance Services Limited Former name: A name it was registered under before.
  • ABC Former trading name: A name it used to trade under.
  • AircrewBenefits.com Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company status
Active
Company type
Private limited company
Incorporated
27 April 1993 (33 years old)
Registered office
Lumley House 56 Elliott Road, Love Lane Industrial Estate, Cirencester, GL7 1YS, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
John Edward Richard Lumley Director Jan 1961 25 Jan 2003 4 other companies
Christopher Francis Richard Lumley Director Aug 1963 1 Dec 2005 6 other companies
Paul Spencer Davies Director Jul 1977 30 Jul 2020 4 other companies
Samantha Davies Director Jul 1985 9 May 2021 None

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
14
closed down
7
still active
6

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 15 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£539k

+5.9% from £509k

Cash at bank

£958k

−13% from £1.10m

Employees (average)

36

Same as 36

Owed within a year

£791k

−16% from £938k

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 02813133. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Lumley Insurance’s history from the FCA register and Companies House, newest first.

2024

16 October 2024

  • Christopher Francis Richard Lumley stopped being a part-owner

Companies House

2016

17 April 2016

  • Christopher Francis Richard Lumley became a part-owner (25–50% of shares)
  • John Edward Richard Lumley became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

19 December 2012

  • Changed its registered name from "Lumley St Aubyn Insurance Services Limited"

FCA register

21 September 2012

  • Changed its registered name from "Lumley Insurance Limited"

FCA register

2005

1 December 2005

  • Changed its registered name from "Taylor St Aubyn Insurance Services Limited"

FCA register · Companies House

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1993

27 April 1993

  • Incorporated at Companies House

Companies House

In the full report: all 43 events

  • All 43 events in its history (10 shown here)
  • Every director appointment and resignation: 26
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Firms connected to Lumley Insurance

Other FCA-listed firms that share a director, phone number or address with Lumley Insurance. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Lumley Insurance

Other firms of the same type (insurance broker), nearest first.

In Cirencester

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Lumley Insurance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 43 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Lumley Insurance Ltd FCA authorised?
Yes, Lumley Insurance Ltd (FRN 307431) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Lumley Insurance’s phone number and website?
The FCA register lists the phone number 01285 885885 and the website lumleyinsurance.co.uk for Lumley Insurance. If you were given different contact details, use these to check with the firm before going any further.
Is Lumley Insurance a scam or clone?
Lumley Insurance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Lumley Insurance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Lumley Insurance to the Financial Ombudsman Service, free of charge.
Who owns Lumley Insurance?
Companies House lists one person with significant control of Lumley Insurance: Mr John Edward Richard Lumley (50–75% of shares). Before that, it was controlled by Mr Christopher Francis Richard Lumley.
Who runs Lumley Insurance?
Companies House lists 4 directors of Lumley Insurance: John Edward Richard Lumley, Christopher Francis Richard Lumley, Paul Spencer Davies and Samantha Davies.
How long has Lumley Insurance been in business?
The company was formed on 27 April 1993, and has held its current FCA authorisation since January 2005.
What do Lumley Insurance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £539k (+5.9% from £509k) and cash at bank of £958k (−13% from £1.10m).
Does Lumley Insurance use any other names?
It has previously used 5 other names, including Lumley Insurance Limited, Lumley St Aubyn Insurance Services Limited and Taylor St Aubyn Insurance Services Limited.

Sources and links

The full report on Lumley Insurance Ltd

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