The grandmother`s name has been mistranscribed, it should be ANN KENDALL who is the grandmother of Annie Matilda.

Searching I have found:

Annie Matilda Knight dau of Oliver Knight & Matilda Kendall born 1877.

Matilda Kendall dau of Elias Kendall & Ann Wall, so Ann Kendall (nee Wall) is Annie Matilda`s grandmother, which doesn`t help with the Tovey`s!!

Brilliant - that's why I couldn't find her previously. As you say, the Tovey connection is still elusive, but thank you so much for piecing this together.