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About

Cookies are small text files that get stored on your computer when you visit some websites.

We use cookies across our site to help improve usability of the site and provide a level of enhanced functionality. You can remove any cookies which get stored on your computer, but this may prevent you from being able to use parts of our website.

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‘Performance’ cookies are used throughout the site to help collect information about how you are using our website (e.g. which pages you visit). These cookies don’t collect any personal information about you, everything is collected anonymously and is only used to help improve the usability and performance of our site.

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Terms & Conditions

Disclaimer

Macrae & Dick Limited makes every effort to ensure that the information contained in this website is accurate and current. However, we give no warranty or undertaking as to the quality or freedom from error of the contents of this site. Access and use of this site is entirely at your own risk.

This website is in continuous development and we reserve the right to permanently or temporarily alter content without notice. All information is subject to change without notice.


All MPG and CO2 information displayed on vehicles was correct at time of manufacture. However, all vehicle specifications are subject to change at any time. Whilst every effort is made to ensure accuracy, please contact your local dealer for full specification information.

This website displays images of cars, interiors, parts and accessories. Unless otherwise stated, all models shown are for illustrative purposes only. All cars advertised are available at branches listed or from group stock.


Discount vouchers are subject to availability at participating branches.

OFFERS ARE SUBJECT TO STATUS, TERMS AND CONDITIONS. MODELS SHOWN FOR ILLUSTRATIVE PURPOSES ONLY. FOR FINANCE A GUARANTOR MAY BE REQUIRED.

Company Details

Registered Name:Macrae & Dick Ltd
Registered Number:12270 (Scotland)
Registered Address:PO Box 17, 66 Harbour Road, Inverness, IV1 1JX
Email Address:enquire@macraeanddick.co.uk
Telephone Number:01463 230430
VAT Registration:552 5972 21    

FSA - Initial Disclosure Document - Macrae & Dick Ltd.

Macrae & Dick Ltd, Registered Office, PO Box 17, 66 Harbour Road, Inverness, IV1 1JX.

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you
this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

We offer the following products: Guaranteed Asset Protection (GAP), Mechanical Breakdown
Insurance, Warranty, MOT insurance and tyre insurance. Ask us for a list of insurers whose
products we offer.

3. Which service will we provide you with?

We will make a recommendation for you after we have assessed your needs for Guaranteed
Asset Protection (GAP), Mechanical Breakdown Insurance, Warranty, MOT insurance and tyre
insurance.

4. What will you have to pay us for our services?

We will not charge any fees for advising and arranging insurance.

5. Who regulates us?

Macrae & Dick Ltd Registered Office, PO Box 17, 66 Harbour Road, Inverness, IV1 1JX, is
authorised and regulated by the Financial Services Authority. Our FSA registration number is
301249. We are permitted by the FSA to sell and administer general insurance contracts.
You can check this on FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register/ or by
contacting the FSA on 0845 606 1234.

6. Ownership

Macrae & Dick Ltd, Registered Office, PO Box 17, 66 Harbour Road, Inverness, IV1 1JX.
Macrae & Dick is a private limited company.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us in writing to the FSA Compliance Manager,
66 Harbour Road, Inverness, IV1 1JX or by calling 01463 230430. Full details of our complaints
procedure are available on request.
If you cannot settle your complaint with us, you may be entitled to refer to the Financial
Ombudsman services.

8. Are we covered by the Financial Services Compensation Scheme?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot
meet our obligations. This depends on the type of business and circumstances of the claim.
Further information about compensation scheme arrangements is available from the Financial
Services Compensation Scheme.
Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the
remainder of the claim, without any upper limit.


FSA - Initial Disclosure Document - Menzies Motors Ltd. 

 Menzies Motors Ltd, Registered Office, PO Box 17, 66 Harbour Road, Inverness, IV1 1JX.

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you
this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

We offer the following products: Guaranteed Asset Protection (GAP), Mechanical Breakdown
Insurance, Warranty, MOT insurance and tyre insurance. Ask us for a list of insurers whose
products we offer.

3. Which service will we provide you with?

We will make a recommendation for you after we have assessed your needs for Guaranteed Asset
Protection (GAP), Mechanical Breakdown Insurance, Warranty, MOT insurance and tyre
insurance.

4. What will you have to pay us for our services?

We will not charge any fees for advising and arranging insurance.

5. Who regulates us?

Menzies Motors Ltd is an Appointed Representative of Macrae & Dick Ltd, Registered Office, PO
Box 17, 66 Harbour Road, Inverness, IV1 1JX. Macrae & Dick Ltd is authorised and regulated by
the Financial Services Authority. The Macrae & Dick Ltd FSA registration number is 301249. The
Menzies Motors Ltd FSA registration number is 413286. We are permitted by the FSA to sell and
administer general insurance contracts.

You can check this on FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register/ or by
contacting the FSA on 0845 606 1234.

6. Ownership

Menzies Motors Ltd Registered Office, PO Box 17, 66 Harbour Road, Inverness, IV1 1JX.
Menzies Motors Ltd is a private limited company.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us in writing to the FSA Compliance Manager,
66 Harbour Road, Inverness, IV1 1JX or by calling 01463 230430. Full details of our complaints
procedure are available on request.
If you cannot settle your complaint with us, you may be entitled to refer to the Financial
Ombudsman services.

8. Are we covered by the Financial Services Compensation Scheme?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we
cannot meet our obligations. This depends on the type of business and circumstances of the
claim.
Further information about compensation scheme arrangements is available from the Financial
Services Compensation Scheme.
Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the
remainder of the claim, without any upper limit.

Macrae & Dick Ltd. provides a wide range of finance facilities some of which are described below and fully integrated into our web site. From the comfort of your own home you can view all the available finance products for your next vehicle and generate your own personalised quotations by changing the deposit, term and annual mileage.

In addition, you can complete an application through our secure on-line proposal form which will pass your information directly to our finance company. You will then be guided through the process by them. In gaining pre-approval it allows you to make a considered choice on your next car purchase in a quick and convenient manner through a greater selection of finance products.

• Find your vehicle
• Choose your finance product
• Tailor your quotation
• Apply on-line
• Visit us and view the car


Hire Purchase

Hire Purchase (HP) is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit. The term "secured loan" means exactly that, a loan that the lender can secure against an asset (in this case, the vehicle). HP gives you additional rights over those of a personal loan and is only available through dealers that have passed the stringent approval process of the finance companies.

Personal Contract Purchase

A Personal Contract Purchase (PCP) plan will enable you to purchase your next car with lower monthly repayments. The way this is achieved is by deferring an amount of the total cost of the vehicle to the end of the contract. This amount is known as the Guaranteed Future Value (GFV).

The Guaranteed Future Value plus your deposit is subtracted from the cash price of the vehicle and your monthly payments are based on the balance (plus interest on the balance and the GFV).
By only repaying the difference between the cash price and the optional balloon payment you are only financing the depreciation of the car.

At the end of the contract you have four options:


• You can return the vehicle to the finance company. As long as you have not exceeded the agreed mileage, you will have nothing more to pay.
• If you want to keep the vehicle, you can simply pay off or refinance the outstanding balloon payment.
• You can come back to us and part exchange your vehicle for a new one. If the trade-in value is greater than the GFV, the difference can be used towards a deposit on the next agreement.
• You can sell the vehicle privately and keep any profit over and above the GFV.
Why Apply Online?
• You are in no way obliged to buy the vehicle, but by applying you register an interest in the vehicle.
• You can submit your details at any time, our system is availiable 24hrs a day for your convenience.
• By arranging your finance in advance you can have the comfort of knowing your finances are in place.
• The whole process is confidential with no need to disclose personal details to our operatives.
• The service is provided on a secure server so your details are kept totally safe.


Impartial Advice

We are confident that our products are suited to a wide range of finance needs, but if you are not sure then the Finance & Leasing Association have produced an impartial guide to motor finance. Their simple guide to your finance options will explain how the different products work and their finance decider tool will help you choose which product is the most suited to your needs.

Glossary
• APR (Annual percentage rate) - a standard method of calculating the full cost of the interest and other charges on the finance. You should use the APR to compare the cost of different finance options, although lease agreements will not show an APR.
• Balloon Payment - a one-off payment made by you at the end of some finance agreements. It will reduce your monthly payments.
• Credit Rating - a scoring system used by finance companies to help decide how much finance to make available to you. Click here for more information
• Flat rate - the base interest rate charged on the finance. Dealers will sometimes quote a monthly or annual flat rate but you should ask for the APR, which more accurately describes the true cost of the finance.
• Guaranteed Future Value (GFV) - it is the lowest amount that your car is guaranteed to be worth at the end of a contract purchase deal and will usually be the same as the deferred amount on the finance.
• Residual value - the value of your car at the end of the finance agreement, after a certain time and mileage. It may or may not be guaranteed, depending on the terms of your agreement.
• Total amount payable - the total cost of the finance, including any interest or other charges, if you repay the finance over the agreed period. This is a good way to compare the actual cost of various types of motor finance.


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About

Cookies are small text files that get stored on your computer when you visit some websites.

We use cookies across our site to help improve usability of the site and provide a level of enhanced functionality. You can remove any cookies which get stored on your computer, but this may prevent you from being able to use parts of our website.

For further details on how cookies are used on this site, please click on the options below.

Compliance

This cookie is used to tell us if you have consented to allow for the use of cookies on the site. Once a selection has been made, this cookie is also used to stop the cookie notification message from being displayed next time you visit the site.

Cookie Legislation Compliance Cookies:
cls, this cookie is used to tell us if you consented for this site to use cookies.

Strictly Necessary

These cookies are used throughout the site to help provide and support core functionality and will automatically be accepted. These cookies are not used to track and store any personal data and will automatically get deleted when you close your web browser.

Application Session Cookies:
ASP.Net_Session,ASP.Net_SessionId, This cookie is used to enable core site functionality.

Performance

‘Performance’ cookies are used throughout the site to help collect information about how you are using our website (e.g. which pages you visit). These cookies don’t collect any personal information about you, everything is collected anonymously and is only used to help improve the usability and performance of our site.

Google Analytics Cookies:
__utma, __utmb, __utmc, __utmz, These cookies are used to enable Google Analytics, this tool is used by us monitor site usage to improve site performance and features.

Currently this site is offering full functionality as cookies are being accepted.