ROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE)

Reference number: 117672

Instant download

Authorised by the FCA

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

Identity

Check their details

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.

Also trades as 5 other names
  • Bright Grey
  • Caledonian Life
  • Royal London
  • Scottish Life Pensions
  • Scottish Provident

Company details

From the company's Companies House record.

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)

Current directors and secretaries

Name Role Born Appointed
Finbar Anthony O'Dwyer Director May 1971 8 Jan 2020
Daniel Sebastian Cazeaux Director Nov 1975 22 Sep 2020
Mark Martin Rennison Director Aug 1960 25 Sep 2020
Jane Elizabeth Guyett Director Sep 1959 4 Aug 2021
Parwinder Singh Purewal Director Jun 1959 8 Feb 2023
Eithne Siobhan Mcmanus Director Aug 1964 1 Apr 2023
Nicola Jane Richards Director Aug 1966 5 Oct 2023
Isabel Frances Hudson Director Dec 1959 10 Feb 2025
Gregor Ninian Stewart Director May 1964 2 Jun 2025
Michelle Ann Cracknell Director Sep 1964 29 Apr 2026
ROYAL LONDON MANAGEMENT SERVICES LIMITED Corporate secretary Not published 31 Mar 2011

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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)

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Royal London Mutual Insurance Society, Limited (THE)
  • The Royal London Mutual Insurance Society Limited

Names it no longer trades under

This firm has retired 2 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Force Mutual
  • Police Mutual

Complaints record

In January–June 2025, the Financial Ombudsman Service received 160 new complaints about this firm, and upheld 22% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Pensions 88
  • Insurance 65
  • Investments 7

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

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.
Is my money safe with ROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE)?
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.
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. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is ROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE)'s Firm Reference Number (FRN)?
ROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE)'s FRN is 117672. You can verify it on the FCA register.