About our Finance & Insurance Services
Status Disclosure Document
The Financial Conduct Authority is the independent watchdog that regulates financial services. It requires us to give you this document to help you decide if our services are right for you.
West End Garage whose registered address is 4 Cutlins Road, Edinburgh EH11 4DG is authorised and regulated by the financial Conduct Authority. Our Firm Reference Number is 672010.
We are an Insurance Intermediary and our permitted business is the supply of insurance and finance products connected with the purchase of your motor vehicle. You can check this on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting the contact centre on 0300 500 0597.
About our Insurance Services
We will only offer products from a limited number of Insurers. All the products we offer are optional. The Insurers who supply our products are:
SKODA GAP Insurance: Motors Insurance Company Ltd
AutoTrust Tyre Insurance: Motors Insurance Company Ltd
AutoTrust Alloy Wheel Repair Insurance: Motors Insurance Company Ltd
We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We receive commission from the insurer which is a percentage of the total annual premium.
You will not receive advice or a recommendation from us. We may ask you some questions to narrow down the selection of products we will provide details on. You will then need to make your own choice about how to proceed. We hold any insurance money as an agent of the insurer under a risk transfer agreement.
About our Finance Services
We are a Credit Broker not a Lender and therefore no finance advice or recommendation will be made. We will introduce you to a limited number of lenders and finance products to assist with your vehicle purchase, who may pay us for introducing you to them. Please ask us for a list of finance products and the lenders we use.
Customer Care, Dispute Resolution and Complaints
We work hard to ensure that the finance and insurance services we offer are fair and that our communication to our customers is clear and not misleading.
However, if you are unhappy with either service please write to:
Daniel Houghton, West End Garage, 4 Cutlins Road, Edinburgh, EH11 4DG Telephone no: 0131 453 2244
We will answer any complaints as quickly as possible but always within eight weeks.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
The Financial Services Compensation Scheme (FSCS) – applicable to insurance services only
We are covered by the FSCS. This means that you may be entitled to compensation from the Scheme if we are unable to meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim without any upper limit. Further information about compensation scheme arrangements is available from FSCS.