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									                                                               The C&A Mackie Newsletter

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   JUNE 2008 • ISSUE 6                                            READ ME . . .
                                                                                                                                  STOP PRESS!
                                                                                                                                  Avoid ‘Excess
                                                                                                                                  Payments’ the
                                                                                                                                  easy way . . .
                                                                                                                                     Another new product

                                                                                                                                  from the team here at
                                                                                                                                  Mackie’s, and another
                                                                                                                                     We now offer EXCESS
                                                                                                                                  WAIVER INSURANCE for

                                                                                                                                  Social, Domestic and
                                                                                                                                  Pleasure policies.
                                                                                                                                      So protect yourself
                                                                                                                                  from having to pay the
                                                                                                                                  often, substantial, excess
                                                                                                                                  amounts following a claim.
                                                                                                                                      “At Mackie’s we pride
        ackie’s are pleased to announce the launch of our household insurance
   M    scheme specifically for instructors. This new facility provides cover
   for buildings up to £500,000 and contents on a bedroom rated basis up to
                                                                                                                                  ourselves on offering high
                                                                                                                                  quality low cost insurance
                                                                                                                                  solutions and this is a
   £50,000. Higher sums insured are available on request.                                                                         typical situation where with
       In addition, cover is available                                                                                            a wee bit of planning clients
   for items away from the home                                                                                                   can make big savings,
   either on a specified or                                                                                                       although we hope they
   unspecified basis.                                                                                                             never have to use it of
       And because we know that                                                                                                   course”, said Carol Mackie.
   your home is probably your                                                                                                         “Very often clients don’t
   office all our clients will benefit                                                                                            consider the outlay involved
   from:                                                                                                                          in what they perceive as a
       £5,000 of home-working                                                                                                     money saving option. Then
       business equipment                                                                                                         perhaps they even choose
                                                                                                                                  NOT to make a claim at all
       Public Liability Insurance if
                                                                                                                                  just to protect their no
       you visit your pupil at home             usual personal money cover                   the unexpired period of              claims bonus. We offer this
       in connection with your job              you pick up under other                      mobile phone contracts               service to clients EVEN IF
       as an instructor                         insurance policies                           I t ’s a n u n b e a t a b l e       WE DO NOT INSURE
       Accidental loss of business              Financial compensation                   household package just for               THE VEHICLE, so there’s
       money in addition to the                 towards charges made for                 instructors. FULL POLICY ON REQUEST.     no strings attached.”

    There’s more to keys than you may think says Allan Colquhoun . . .
                                                                                                                                   MISSED US LAST
    MACKIE’S HAVE THE KEY TO GOOD INSURANCE                                                                                        TIME AROUND?
    Keys . . . A very inexpensive,               “The modern trend is for criminals      thieves took the client’s keys with
    yet highly valuable product             to break into houses to obtain car keys      them leaving him facing a hefty bill
    and one that can cause the              rather than trying to break into the car     that neither insurer would consider      www.c-amackie.co.uk
                                            itself” says Allan. “In one instance we      as a claim”.                              Go online to see ...
    professional motorist big, big,         know of thieves who broke into a house            Another aspect to bear in mind
    problems.                               and stole the car keys but failed to take    is that should the keys break in the     FEBRUARY . . .
         The correct insurance cover is     the car out through locked gates. The        lock, or are simply lost, it's not the   CAR & VAN HIRE
    invaluable at protecting no claim
    bonuses on both car and household
                                            motor insurer would not pay as the car
                                            had not actually been stolen and the
                                            policy did not provide cover for the loss
                                                                                         cost of the keys themselves that
                                                                                         cause the biggest problem but the
                                                                                         cost of that central locking system,
                                                                                                                                  MARCH . . .      
                                                                                                                                  LETTING INSURANCE
         These days central and remote      of keys! The house insurance did not         now that WILL drastically affect your
    locking systems on cars cost anything   cover the loss of keys as this was related   no claims bonus, at Mackie’s we have     APRIL . . .
    from £600-£700 upwards.                 to the motor vehicle. Unfortunately the      the answer.                              JUSTDRIVE LEASING

m T. 0141 423 8555
                                                                     E. info@c-amackie.co.uk
inf m rm
Marina, Boats . . . and
                                          GAP COVER
                                                                                                                     SAVE WITH
                                                s no doubt you will be aware GAP insurance can be extremely difficult to acquire
                                                if you are a driving instructor, If your car supplier can quote it for you it’s often
Vehicles . . . but it’s a                 very expensive and when it’s built into your finance deal you’re also paying interest
Mackie’s life for busy                    for it. To make matters worse when you sell the car you start all over again, not so
Mrs. McLeod                               bad I hear you say, but how about when you’ve bought a three year GAP policy and
                                          then decide to buy a new car in two years time - there is no rebate.
    With a name like Marina
perhaps you won’t be surprised               Well, don’t panic, that’s all
that Sales and Administration             about to change!
Manager Marina McLeod married
her husband Scott in Barbados                 Mackie’s are very pleased
when their cruise ‘love boat’ docked      to have negotiated a facility
there last December.                      that will allow us to provide
                                          you with GAP cover on a
                                          monthly basis - yes monthly!
                                          Pay as you go! If you stop
                                          your monthly payment the
                                          cover stops but it remains in
      MARINA McLEOD                       force so long as you make
      Half a year married and almost      the monthly payment. But
three at Mackie’s, as Marina said;        that’s not all - uniquely for
“I can’t believe it’s June already,
maybe I shouldn’t be surprised            driving instructors - if you
though as we have been kept really        change your car over - as you      three years and hand over
busy due to the increase in enquiries     do in the normal course of         large amounts of your hard
as drivers look at their overheads                                                                              for only £10.69 per month
                                          business - we simply change        earned cash. Pay for it
and try to find ways to cut operating                                                                           plus a one off new business
costs”.                                   the policy over to the new car     monthly and if you change
                                                                                                                admin fee of £25.00. We think
      “We are seeing many more            - yes it’s transferable as long    car we’ll change the policy -
callers asking why friends can get                                                                              that offers unbeatable value.
                                          as the new car is in the same      what could be easier? No,
cover for £xx. Very often we can
beat or at least match their figure,      sort of purchase price band        you’re not going to pay a lot         Call us for a quote, email
but insurance is more than that. It       as the old one was. You don’t      more for it, in fact we can        us or go on-line at www.c-
is definitely worth pointing out that     have to buy cover for two or       provide cover up to £10,000        amackie.co.uk
the cover itself may be dramatically
improved for very little. The problem
is ensuring that we are quoting ‘like
for like’, some folk are really
surprised when we explain the
differences. At the end of the day
                                          No Fee ‘Credit Crunch’
it’s up to the client, they either heed
our advice or not. We usually find
suitable cover though”.
      Having gone straight into the
                                          help from Southern...and Mackie’s!
insurance business from school,            Our friends and colleagues at Southern Financial Services have been
Marina has over 22 years experience
in the industry. Does she ever see         on to remind us that it’s not all doom and gloom in these days of
herself working in another line of         financial pressures . . .
work? “No, not unless I win the
lottery. If that happens I think Scott                                                                             “Of course our big
and I will buy a boat and sail the
                                              By now everyone must be aware that the ‘credit crunch’
seas, we’d really love to do that,        has made it much more difficult to re-mortgage or buy a               advantage is that thanks to
what a life! (Boats and Marina            property; first time buyers in particular have been badly affected.   our exclusive agreement with
again!). “There’s never a dull                So, it’s now even more important than ever to get good            C&A Mackie we don’t even
moment though, recently we had a
client say that he was really happy       independent advice.                                                   charge a fee.
that the replacement vehicle he was           At one of our recent regular meetings, Southern Financial
allocated while his vehicle was in
                                                                                                                    There are good deals still
                                          Services, who as you may be aware, enjoy a close working
for repair had a petrol engine, as                                                                              out there and we know where
                                          relationship with us here at Mackie’s lost no time to explain
the price of diesel was costing him                                                                             to look”.
a fortune! I suppose that’s it, a life    how they are on hand with the help and advice to ensure that
in insurance is for me. It never goes     our clients beat the crunch.                                            Sounds great to us,
away because friends and family               “We research the entire marketplace to check for the lowest       Malcolm!
know I work at Mackie’s and
constantly ask me to check their          rates and the lowest arrangement fees”, said Principal, Malcolm
premiums. They know how                   Southern. “We particularly search for special exclusives including     Contact the team at
competitive we are, probably              discounted rates, free conveyancing, free valuations and high
because I’m always going on about                                                                                Southern on: 01698
                                          income multipliers. Why commit yourself to a single lender
it”.                                                                                                             269977 or at
      Check out your premiums . . .       when we have the capability to research almost every lender            msouthern@southernfinancialservices.com
Call Marina at Mackie’s now!              across the UK?

          Contact Mackie’s . . .
                                                8 2 V ic t ori a Road, Glasgow G42 7AA
                                                T: 0 1 4 1 4 23 8555/8666 F: 0141 423 8777
                                                E : inf o@c - amackie.co.uk W : www.c- amackie.co .u k                                                     m

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