The Masonic Mutual Limited: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 12 years
Protected through the principal
No FCA actions
Active company since 2014

Responsible principal firm

Tower Insurance Brokers Ltd Reference number: 805562 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
The Masonic Mutual Limited (FRN 625738) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use The Masonic Mutual's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from The Masonic Mutual, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

No website on the FCA register
Phone number

01253 739789
Address

7-9 Church Road, Lytham, Lytham St. Annes, Lancashire, FY8 5LH, United Kingdom

In the full report: 2 background checks

What kind of line 01253 739789 is, and the other firm that gives it
Who else gives the postcode FY8 5LH

Other names (1)

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

TMML (MASONIC) LIMITED Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Tower Insurance Brokers Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 number: 09085809 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 13 June 2014 (12 years old)
Registered office: 7-9 Church Road, Lytham, Lytham St. Annes, Lancashire, FY8 5LH, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)
Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Christopher Geoffrey John Head	Director	May 1947	13 Jun 2014	5 other companies
Quentin Charles Triscott Humberstone	Director	Oct 1952	13 Jun 2014	None
John Clovis Pagella	Director	Nov 1943	1 Feb 2019	6 other companies
Martin Francis Richards	Director	Feb 1960	26 Jun 2023	8 other companies
Anna Louise Buss	Director	Apr 1983	20 Jan 2025	12 other companies
Simon Andrew Charles White	Director	Jan 1968	29 Jul 2025	25 other companies

Other companies run by these 6 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: 56
closed down: 22
are FCA-registered: 3

In the full report: all 56 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register
All 11 people who have ever been directors, with their dates

Key dates in its history

The Masonic Mutual’s history from the FCA register and Companies House, newest first.

Key events (3) All events (19)

2014

4 July 2014

Changed its registered name from "TMML (MASONIC) LIMITED"

FCA register

16 June 2014

Became an appointed representative

FCA register

13 June 2014

Incorporated at Companies House

Companies House

In the full report: all 19 events

All 19 events in its history (3 shown here)
Every director appointment and resignation: 16

Firms connected to The Masonic Mutual

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

connected firms: 2
share its phone number: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates
2 past links through former directors

Firms like The Masonic Mutual

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

In Lytham St. Annes

FEC Mutual LimitedLytham St. AnnesAppointed representative Homestead Consultancy Services LimitedLytham St. AnnesAppointed representative James StephensonLytham St. AnnesAppointed representative Matthew James Insurance Brokers LtdLytham St. AnnesAppointed representative Sell My Park Home LimitedLytham St. AnnesAppointed representative C&P Property Claims LtdLytham St. AnnesAppointed representative

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 The Masonic Mutual

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

56 other companies its directors have run, named
2 background checks on its contact details
All 19 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Masonic Mutual Limited FCA authorised?

The Masonic Mutual Limited (FRN 625738) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for The Masonic Mutual?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. The Masonic Mutual Limited (FRN 625738) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use The Masonic Mutual's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Masonic Mutual, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is The Masonic Mutual’s phone number?

The FCA register lists the phone number 01253 739789 for The Masonic Mutual. 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 one other FCA firm.

Is The Masonic Mutual a scam or clone?

The Masonic Mutual 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 The Masonic Mutual?

Protection works through Tower Insurance Brokers Ltd, the principal firm responsible for The Masonic Mutual's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who runs The Masonic Mutual?

Companies House lists 6 directors of The Masonic Mutual: Christopher Geoffrey John Head, Quentin Charles Triscott Humberstone, John Clovis Pagella, Martin Francis Richards, Anna Louise Buss and Simon Andrew Charles White.

How long has The Masonic Mutual been in business?

The company was formed on 13 June 2014.

Does The Masonic Mutual use any other names?

It has previously used the name TMML (MASONIC) LIMITED.