Initial Disclosure Document 

We are directly authorised by the Financial Conduct Authority.

We want to ensure that we give you the best advice during the purchase of your vehicle.

We will share your information with the third parties detailed in our GDPR policy and Initial disclosure document.  This is a contractual requirement if you refuse, we may be unable to complete your transaction.

We are regulated by the Financial Conduct Authority.

We only offer products from a limited number of insurers;

RAC (The Warranty Group Services Limited)

We act as a credit broker, not a lender, for the introduction to a limited number of finance providers for Hire Purchase and Personal Contract Purchase.

Our panel of lenders who may be able to assist your purchase are;

Black Horse Finance, Motonovo Finance and First Response Finance

We act as their agent, NOT YOUR AGENT, we are not and independent financial advisor.  We may advise you on the products, subject to your personal circumstances, you are not obliged to take our advice. You are under no obligation to use any financial product arranged by Shirlaws Motorcycles Ltd.  Other providers may offer similar products.

We will advise and make a recommendation for you after we have assessed your needs for;

Extended warranty – RAC (The Warranty Group Services Limited)

We will review suitable finance products for you after we have assessed your needs for; 

PCP, HP.

You are not required to agree with our recommendations, please visit moneyserviceadvice.org.uk for free and unbiased advice.

You will make no payment to us for the introduction to our panel of lenders.  Typically we will receive a commission from the lender.  You may ask us for details of such payments.

Commission arrangements.

% of balance financed model.  We will be paid a commission by the lender, this will be a percentage of the amount you borrow.  This means the more you borrow, the more we are paid.

Flat £ fee. 

This is a flat fee for introduction.  The amount of borrowing or rate of interest do not affect the income we receive.

Who regulates us?

Shirlaws Motorcycles is directly authorised by the FCA.

What to do if you have a complaint.

If you wish to register a complaint, please contact us;
In writing, 92 Crown Street, Aberdeen.
By Phone, 01224 584855
By email – sales@shirlaws.com

We are covered by the Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme.  You may be entitled to compensation if we cannot meet our obligations.  Further information is available from the FSCS.

Data Protection Act

We are governed by the Data Protection Act (2018).  This ensures data you give us is managed in a secure and confidential manner.  This information may be passed to companies where it is required contractually.  Without this information we may be unable to process your purchase.  You have the right to view the information we hold or to have it removed from our records by writing to us.