Royal London Mutual Insurance Society, Limited (The)

Reference number: 117672

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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 royallondon.com first appeared online, and whether it can receive email
  • What kind of line 020 7506 6500 is, and the 5 other firms that give it
  • Who else gives the postcode EC3M 4BY
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Other names (8)

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

  • Bright Grey Trading name
  • Caledonian Life Trading name
  • Royal London Trading name
  • Scottish Life Pensions Trading name
  • Scottish Provident Trading name
  • The Royal London Mutual Insurance Society Limited Former name
  • Force Mutual Former trading name
  • Police Mutual Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • 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 (16 permissions)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Carrying out contracts of insurance
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Establishing, operating or winding up a stakeholder pension scheme
  • Establishing/operating/winding up a personal pension scheme
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments
  • Providing Targeted Support
  • Safeguarding and administration of assets (without arranging)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
160
upheld, against a 31% median
22%
about pensions
88

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
00099064
Company status
Active
Company type
Private company limited by guarantee
Incorporated
31 July 1908 (118 years old)
Registered office
80 Fenchurch Street, London, EC3M 4BY, United Kingdom
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Finbar Anthony O'Dwyer Director May 1971 8 Jan 2020 None
Daniel Sebastian Cazeaux Director Nov 1975 22 Sep 2020 None
Mark Martin Rennison Director Aug 1960 25 Sep 2020 13 other companies
Jane Elizabeth Guyett Director Sep 1959 4 Aug 2021 12 other companies
Parwinder Singh Purewal Director Jun 1959 8 Feb 2023 2 other companies
Eithne Siobhan Mcmanus Director Aug 1964 1 Apr 2023 1 other company
Nicola Jane Richards Director Aug 1966 5 Oct 2023 4 other companies
Isabel Frances Hudson Director Dec 1959 10 Feb 2025 15 other companies
Gregor Ninian Stewart Director May 1964 2 Jun 2025 None
Michelle Ann Cracknell Director Sep 1964 29 Apr 2026 41 other companies
Simon Anthony Mcnamara Director Oct 1959 7 Sep 2026 6 other companies
ROYAL LONDON MANAGEMENT SERVICES LIMITED Corporate secretary Not published 31 Mar 2011 –

Other companies run by these 11 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
94
closed down
18
went insolvent
1

In the full report: all 94 companies, named

  • What each company does, and whether it is still trading
  • Which of these 11 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 30 on the FCA register, including one no longer authorised
  • All 58 people who have ever been directors, with their dates
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Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (8) All events (119)

2026

24 July 2026

  • Changed its registered name from "Royal London Mutual Insurance Society, Limited (THE)"

FCA register

23 January 2026

  • Changed its registered name from "The Royal London Mutual Insurance Society Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2001

1 December 2001

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

FCA register

1908

31 July 1908

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 119 events

  • All 119 events in its history (8 shown here)
  • Every director appointment and resignation: 98
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Connected firms

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

connected firms
11
share a director
7
share its phone number
5

In the full report: all 11 connected firms, named

  • How each is linked: shared directors (7), the same phone number (5), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 5 past links through former directors
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Similar firms

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

In London

Chubb European Group SELondonAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedHelvetia Global Solutions LtdLondonAuthorisedAXA Insurance UK PLCLondonAuthorisedLegal and General Assurance Society LimitedLondonAuthorisedThe Prudential Assurance Company LimitedLondonAuthorised

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 this firm

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

  • 94 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 119 events in its history
  • 11 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Royal London Mutual Insurance Society, Limited (The) FCA authorised?
Yes, Royal London Mutual Insurance Society, Limited (The) (FRN 117672) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Royal London Mutual Insurance Society, Limited (The)’s phone number and website?
The FCA register lists the phone number 020 7506 6500 and the website royallondon.com for Royal London Mutual Insurance Society, Limited (The). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 5 other FCA firms.
Is Royal London Mutual Insurance Society, Limited (The) a scam or clone?
Royal London Mutual Insurance Society, Limited (The) 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 Royal London Mutual Insurance Society, Limited (The)?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Royal London Mutual Insurance Society, Limited (The) to the Financial Ombudsman Service, free of charge.
Who runs Royal London Mutual Insurance Society, Limited (The)?
Companies House lists 11 directors of Royal London Mutual Insurance Society, Limited (The): Finbar Anthony O'Dwyer, Daniel Sebastian Cazeaux, Mark Martin Rennison, Jane Elizabeth Guyett, Parwinder Singh Purewal, Eithne Siobhan McManus and 5 more.
How long has Royal London Mutual Insurance Society, Limited (The) been in business?
The company was formed on 31 July 1908, and has held its current FCA authorisation since December 2001.
How many complaints does Royal London Mutual Insurance Society, Limited (The) get?
In January–June 2025, the Financial Ombudsman Service received 160 new complaints about Royal London Mutual Insurance Society, Limited (The), and upheld 22% of those it decided.
Does Royal London Mutual Insurance Society, Limited (The) use any other names?
It trades as Bright Grey, Caledonian Life, Royal London, Scottish Life Pensions and Scottish Provident. It has previously used 3 other names: The Royal London Mutual Insurance Society Limited, Force Mutual and Police Mutual.

Sources and links

The full report on Royal London Mutual Insurance Society, Limited (The)

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