Cargiant

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Your questions answeredThe things we’re asked the most.

Cargiant

Do you really have all those cars?

Yes we do. There are always thousands of used cars in stock here that's why we made it into The Guiness World Records as the World's Largest Car Dealership (showroom) in 2007.

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Do you sell to trade?

As our prices are genuinely low we often sell to traders and other dealerships. To ensure our best car prices are available to the public we charge traders an additional £500 to buy directly from Cargiant.

Trade traders

When are your opening times?

Monday to Friday: 10am - 10pm
Saturday: 9am - 7pm
Sunday: 12pm - 6pm
Sunday Doors Open/Viewing: 11am
Bank Holidays: 10am - 7pm

 

 

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How do you keep your prices so low?

We buy in our cars in bulk and compare thousands of cars every week. Our high volume turnover and commitment to keeping costs down means we can pass savings on to our customers. You pay less because our profit margins are much lower.

 

 

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Do I need an appointment?

No, you don’t. Just pay us a visit and we’ll be more than happy to help. But if you do prefer to plan then you can always book a test drive or make an appointment to see our finance managers.

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Are you child friendly?

Yes. We offer a Children’s menu at our diner and there's a play area too.

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Do you negotiate on price?

We want the best for each and every customer, so we work hard with our pricing team. Every week they monitor both our competitor prices, CAP and Glasses prices across the industry, so that each car is at the lowest possible price and you won’t need to negotiate. This is why all our prices are fixed.

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Can I reserve a car online?

If you do want to reserve a car then you will be required to see and drive the vehicle before you make any financial commitment. If you are happy with the car and wish to progress then you can leave a £200 holding deposit on cars under £20,000 or £500 for cars over £20,000 when you visit our dealership.

 

 

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Do you arrange cars for export?

No, we don’t arrange cars for export, but you’re free to export the car yourself. We’ll be happy to help with the relevant documentation. Speak to our team for more information.

 

 

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I need to make a complaint. What is your complaints procedure?

We’re committed to providing a high standard of service to you and all our customers. Occasionally we may not live up to our expectations and if this happens we want to hear from you. This will allow us to put matters right and improve our service. We value your feedback and thank you for helping us to improve the quality of our service.

In the first instance, please share your complaint with our staff as they are usually best placed to resolve the problem.

Alternatively, or if your concern remains unresolved, contact our customers service team using the contact below. The customers service department is open Monday to Friday 0900-1900 hours.

Telephone: 020 8969 5511 and choose option 2

Email: customerservice@cargiant.co.uk

Address: 44 Hythe Road London NW10 6RS

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Our Cars

Are your cars HPI checked?

Yes. We guarantee our cars have no outstanding finance, and have not been stolen or written off.

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Can I test drive the car before buying it?

Absolutely. We wouldn’t have it any other way. We offer test drives with no obligation to buy. Due to London traffic, it will be a short drive – but enough to get a good idea if it’s the right car for you. Please bring with you a valid driving licence.

If you book a test drive online, the car will still remain on sale. Should the car sell before your appointment then we'll let you know straight away.

Please note, that we do not allow dogs or any other pets in our showrooms, forecourts and cars. Please remember to plan ahead if you do have a pet. 

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What is the £149 admin fee for?

We charge this fee to cover essential documentation and administration costs. Your statutory rights are not affected.

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Have your cars been checked?

Yes, thoroughly. Every car we offer for sale at Cargiant has successfully passed a demanding mechanical and safety inspection in addition to a final quality control inspection. If you want to double check before taking delivery of any vehicle, you’re welcome to arrange an independent inspection at your own expense. If any mechanical or electrical problems are evident at these times, they will be remedied accordingly.

Note: inspections must be pre-booked so we can allocate space within our workshops for the inspection to take place.

 

 

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Do your cars have road tax?

The way you purchase road tax has changed. Since October 1 2014, car tax is no longer transferable between owners. This means that now, buyers of used cars will have to tax them themselves as soon as they take ownership, rather than benefiting from tax already paid for by the seller. You can easily use the free internet access at our showrooms to purchase yours before driving away in your new car.


For more information visit: https://www.gov.uk/government/news/vehicle-tax-changes

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How do I secure a car?

Come and see us in person. Deposits are by debit card or cash. As soon as you pay the £200 deposit for cars under £20,000 or the £500 deposit for cars over £20,000, we’ll reserve the car in your name for up to three days. Please note that this deposit is non-refundable.

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Why is the £200 deposit non-refundable?

We remove the vehicle from sale, preventing any other customers from buying it. The only exception is if you are not accepted for finance arranged by Cargiant, in which case we’ll refund the full deposit.

Can I drive away on the same day?

Yes this is possible*. In order to purchase a car you’ll need to bring the following documentation with you:

  • Your UK/EU driving licence
  • An EU Passport if using EU driving licence
  • Two proofs of address dated within the last 90 days, e.g. bank statement, council tax statements or other utility bill.

Sorry, we are unable to accept mobile phone bills.

*Please be aware for same day drive away circumstances and timings apply. We advise allowing 2 hours from the time a deposit is placed.

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How much fuel will be in my car?

Due to health and safety reasons we’re unable to keep the tanks in our cars full. However, you’ll have enough fuel to take you to a local petrol station. You’ll find a petrol station within a few minutes of Cargiant:

Towards Harlesden
Texaco
Scrubs Lane Service Station
235A Scrubs Lane
London, W10 6AH


Towards White City Station:
Texaco
875 Harrow Road
London, NW10 5ND

 

 

 

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Does the car have an MOT?

Yes. The MOT expiry date of each car is published on the car details page. Cars have a minimum of 60 days MOT.

Car Finance

Can you provide finance that suits my circumstances?

Yes. Our finance experts can advise you on all finance options including hire purchase. Don’t worry about your credit history, we’ll do all we can to help.

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I’ve been approved for finance on a car. Does this mean the car is now reserved for me?

The approval of finance on a car does not necessarily mean the car will automatically be reserved for you. Multiple finance applications can be made on the same vehicle and the demand for our vehicles are very high therefore we cannot always guarantee they will be available to test drive or purchase once you’ve decided to proceed.

We will always have a number of alternative vehicles which match your requirements and if you are not able to find a vehicle that matches your exact specifications on our website, we can arrange to find something similar from our many vehicles in stock that are currently not available via the website. 

With regard to your finance application there is no need to make an additional application. As soon as you have found the right car for you we will update your finance arrangement to suit your needs. Our finance team will be available to assist you through this.

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I’m a minicab driver, can you help me with finance?

Yes, we can. We know that driving a car is your livelihood and we more than welcome your business.

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Why is there a debit/credit card charge?

The debit and credit card surcharge is in place to reflect the new transaction fee policies introduced by Visa and Mastercard in 2016. This change increased costs to businesses for accepting payments made by credit and debit cards as it removed the 50p cap on transaction fees.

As a result:

  • debit card payments over £500 will incur a 0.20% surcharge;
  • credit card payments* will incur a 0.3% surcharge.

At Cargiant we work hard to make sure our pricing is as low and transparent as possible. So to keep our admin fee at a minimum for all customers, we decided the fairest way to update our pricing was to apply a surcharge when applicable. This charge is equal to the transaction fees Visa and Mastercard charge Cargiant.

*Please note: unfortunately, we cannot accept credit card payments made towards the purchase of your car. However, credit cards are accepted for additional products i.e. Mechanical Breakdown Insurance and Vehicle Protection System (GardX). 

Who do you work with to provide finance?

We use specialist motor funding divisions of the major high Street names and finance houses such as Blackhorse, Barclays and MotoNovo Finance. We continually assess our list of vendors to ensure our finance packages offer the best value for our customers.

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What type of finance do you offer?

We offer Hire Purchase (HP). Learn more about our finance solutions on our finance page.

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What is Hire Purchase?

Car hire purchase is a form of car finance. With our hire purchase options you can spread the cost of your car in a way that suits you. We offer flexible terms ranging from 36 to 60 months. Whichever you choose, your standard monthly payment will never change. And because the loan is secured on a vehicle, your other credit needs are left undisturbed.

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What is your APR?

The rate depends on various factors. These include the amount borrowed, term, total, charge for credit, doc fees, and also which of the finance companies we deal with who accept your application for credit. Our APRs are typically very competitive against other car dealers, saving you time and trouble.

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Do you offer 0%?

We don’t offer an interest free facility, but we do offer very competitive rates.

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Over what period of time can I take my finance?

We offer a variety of terms from 36 months to 60 months (5 years), depending on the finance plan you have chosen.

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Can I apply for Cargiant finance online?

Yes. You can apply online via this link. If you prefer, you can talk to one of our Business Managers face to face at Cargiant or call the finance team on 0208 969 5511. Our Finance team are SAF approved and know car finance products inside out. They are able to answer any questions you may have as well as guide you through your application. We’re all here to help.

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Can I apply for Cargiant finance if I have a Provisional, EU or International driving licence?

Yes, but this is subject to the finance companies criteria and your personal credit standing.

What if I have a poor credit history?

A less than perfect credit history shouldn’t stand between you and the car you need. That’s why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone

 

How much deposit do I need for finance with Cargiant?

This depends entirely on the Finance provider, but there are occasions where Finance can be arranged without a deposit. Our business manager will provide you with a full quotation and advise you on the various finance packages available.

How old do I need to be to apply for finance?

Under UK law you must be at least 18 years old to enter into a finance agreement.

What documents do I need to apply for finance?

  • Your UK/EU driving licence
  • EU Passport if using EU driving licence
  • Two proofs of address dated within the last 90 days, e.g. bank statement, council tax statements or other utility bill.

Sorry, we’re unable to accept mobile phone bills.

 

 

What if I don’t have council tax statements, utility bills or bank statements?

We may still be able to help, just contact us on 020 8964 7509 for more information.

What if I still have outstanding finance on my part exchange car?

Firstly you need to contact your existing finance provider and obtain a settlement figure. Once you have this, come in and get a value on your part exchange. When we have both these figures, we can work out how much deposit you have towards your next purchase, or if you need to put money in to clear your existing finance.

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Is it possible to use my own finance provider?

It’s possible to use your own finance provider, but all our customers appreciate the benefit of doing everything in-house, such as Mechanical Breakdown cover and finance. External finance companies will have to send documents to us. They will then want a receipt of the original documents before paying us for the car, which can lead to a delay in the purchase of your car. If you do decide to go ahead with finance outside of Cargiant, there will be an external finance admin fee of £200 to cover administration costs. You will be able to add the external finance admin fee to the price of the car.

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About Part Exchange

Does my car have to be running?

Yes, we’ll need your car to be up and running for a part exchange.

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What’s the oldest car you accept in part exchange?

We will consider any age car for part exchange. Just bring us your car for a valuation.

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Can you give me a price by email or on the phone?

As no two used cars are the same, we’ll need to carry out a physical inspection (covering age, condition, documentation, mileage, ownership, specification and more) on your car before we can offer you the best possible price.

Once an offer is made this is valid for 7 days. So if you’re unsure about your part exchange, you’ve plenty of time to make up your mind.

 

 

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Can I part exchange my mum’s/ friend’s/ cousin’s car?

You need to be the legal owner of the car. For more information and to discuss any extenuating circumstances please call us on 0208 969 5511.

 

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My car’s registered in Ireland. Will you accept it?

No. Your vehicle must be registered to you at an address in England, Scotland or Wales. To find out more please call 0208 969 5511.

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Do you check the mileage on cars before accepting them?

Yes, we run a NMR (National Mileage Register) check to make sure the mileage is correct. We will also want to check the service history to ensure it stacks up, along with the car’s VOSA history (MOT).

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Do you HPI check cars before taking them in as part exchange?

Yes. We’ll check to make sure your car has no outstanding finance, is not an insurance write off and is not stolen. We may also carry out an Experian check on the vehicle.

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Does my car need to have a current MOT?

You shouldn’t be on the road without a current MOT certificate. But we will consider a car without a current MOT. For more information please call us on 0208 969 5511.

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Why should I part exchange my car at Cargiant?

On average, Cargiant appraises in excess of 2,000 vehicles a month from customers on a part exchange basis. This is far more than any competitor, so it is most definitely worth your time visiting us with your car.

Can I part exchange more than one car against my new purchase?

We will look at all part exchange deals on an individual basis and this may be possible. You would need to bring both cars to our dealership for inspection. For more information please call us on 0208 969 5511.

Do you accept any vehicles?

We do not accept specialist vehicles and kit cars. However we’ll consider any age of car that you have in part exchange. Due to new DVLA rules we regret that we cannot accept a vehicle in part exchange without a full logbook. We reserve the right to refuse any vehicles.

Do you accept VCARs?

A VCAR is any motor vehicle that has been declared an insurance write off. Vehicles on VCAR can still be taken in part exchange. However, this will be at the discretion of our part exchange valuers, and it will be subject to the value, make, age and specification of the vehicle. Please remember there’ll be a significant difference in price. We don’t accept category A or B cars as they should not be on the road.


What do I need to do if I wish to keep my private number plate?

This can now be done online by visiting https://www.gov.uk/keep-registration-number

Alternatively you can take the original documentation to a local DVLA office, together with a the Vehicle Registration Form V778/1. Once you’ve received the full log book and MOT with the new registration for the vehicle, we’ll accept it for part exchange. Please note that this route will take much longer that the online option.

Depending on the time it takes to remove the private plate and get the new log book, we reserve the right to revalue the part exchange vehicle. 

About Selling your car to us

How do you determine an offer?

Our offers are based on many criteria, including the condition of your car’s mechanics and bodywork, book prices, previous owners, current valuation guides and the latest market trends.

 

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What if my car has finance owing?

If you’d like us to settle your outstanding finance you’ll need to obtain an up-to-date settlement letter from your finance provider. If you’re unsure how to get this, our team will be happy to help.

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How do I get my money?

We’ll transfer your money directly to your bank account the next working day, so we’ll need to see a debit card, cheque book, a paying-in book or a bank statement.

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What about the value of my remaining road tax?

If you sell your car to us and have notified the DVLA, you’ll be refunded automatically for any full remaining months left on the vehicle tax.  You won’t need to apply separately for a refund. The DVLA will send this refund to the address of the registered keeper.

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Do you buy any car regardless of age and condition?

Your car must be under 6 years old and have less than 100,000 miles on the clock. In addition to thisyour car must pass our mechanical, body and paintwork inspection.

If your car doesn’t meet these requirements, you can always part exchange your car against a new purchase.

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Can you still help me if my car is registered at my old address?

Possibly you would need to provide confirmation of your new and old address. Contact us for more information on 0208 969 5511.

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Can you transfer money to another person’s account?

No, we can only pay the legal owner of the car.

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I’ve lost my original log book, but have a photocopy. Is this OK?

Sorry, we’ll need the full, original log book. You can contact the DVLA to apply for a new V5 document, simply visit https://www.gov.uk/vehicle-registration-certificate-v5c-log-book

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Will you buy my left-hand drive car?

Sorry, we only buy right-hand drive cars. But we will consider it for part exchange.

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My car is a non-runner. Will you still buy it?

Your car will need to be running and would need to pass our mechanical inspection for us to accept it.

About MBI (Mechanical Breakdown Insurance)

Who administers the Mechanical Breakdown Insurance?

AA Warranty is responsible for administering MBI and handling any claims.

 

 

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What are the main features and benefits of the mechanical breakdown insurance?

This insurance contributes towards the cost of repairs required to your vehicle, due to unexpected breakdowns occurring within the period of cover and up to the maximum claim limit selected. It offers:

  • unlimited vehicle mileage once cover has started
  • unlimited number of claims up to the retail value of the vehicle at the date of breakdown in aggregate. Claims can be managed on your behalf through our nationwide network of nominated repairers
  • the ability to be transferred to a new private owner
  • no claim rejected on the grounds of wear and tear, where the Vehicle has covered less than 60,000 miles and is under 5 years old at the time of the claim.

 

 

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What is not covered by the policy?

  • Any customer excess as detailed in the schedule
  • the cost of Components listed as excluded
  • impact or accidental damage.
  • general maintenance or serviceable items
  • wear and tear where the vehicle is over 5 years old and has covered more than 60,000 miles
  • faults which existed prior to the commencement of this insurance or that could be covered by any other warranty / guarantee / insurance.
  • damage caused by overheating, freezing, corrosion or the intrusion of harmful substances (for example the ingress of water), use of an incorrect grade of fuel or oil, or lack of antifreeze, lubrication or servicing.
  • faults which were on the Vehicle at the time of purchase, or caused by the result of inadequate servicing or as a result of faulty workmanship.
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How do I know if I’m eligible for mechanical breakdown insurance?

This insurance is available for passenger cars, vans and light commercial vehicles up to 3,500kg GVW, that are registered within the United Kingdom.

This insurance does not cover vehicles that:

  • are used for hire or reward (e.g. taxi or driving tuition);
  • have been previously recorded as an insurance total loss;
  • have been modified from the manufacturer’s specification (unless agreed by Us);
  • are used for road-racing, rallying, or any other competitive event.

If you’re still unsure one of our team will be able to answer your questions.

 

 

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If I change my mind can I cancel the policy?

Yes, you may cancel your policy within 14 days of the Issue Date* or the date on which you receive the contractual terms and conditions (whichever occurs the later) and obtain a full refund by contacting Our customer services department. If We have made a claim payment to You or on Your behalf during this time the total value of claims paid will be deducted from any refund due. Any refund of premium will be processed by the selling dealer.

After 14 days You may cancel This Insurance but no refund of premium is available and any outstanding premium instalments must be paid to Us in full. However where the Vehicle is subject to an insurance total loss or in the event  of Your death, the unused part of Your premium, calculated pro- rata will be refunded less a £50 administration charge. If We have made a claim payment to You or on Your behalf during this time You will have to return the money to Us. Any refund of premium will be processed by the selling dealer.

 

* The Issue Date will be confirmed in the Schedule, being the date on which You either concluded the contract of Insurance or the day on which You receive the contractual terms and conditions.

 

 

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How do I make a claim?

If you think that you have a fault which may be covered by this insurance, you must contact us in the first instance. The claims telephone number is: 0844 854 1500.


For more information click here

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About HPI driveaway 5 day insurance

I'm interested in the HPI driveaway 5 day insurance policy. How do I know if I'm eligible?

You're eligible for this policy if you're between 21 – 75 years of age, hold a full UK or EU driving licence, are the registered keeper or an immediate relative of the registered keeper. If you want to add a second person to the insurance then they also need to comply with the criteria above.

Are light commercial vehicles included in the scheme?

Sorry, but Light Commercial Vehicles are not included in the scheme.

Who is the policy administered by?

The HPI Driveaway Insurance policy is arranged by Lloyd Latchford Schemes and insured by Aviva Insurance plc.

For more information either speak to one of our team members. You can also download the brochure here.

About GardX Vehicle Protection

Why would I want to protect my car using GardX protect?

The problem with modern wax polishes is they simply do not last. Every time you wash your vehicle with detergent you wash away a layer of protection. The GardX Vehicle Protection System with Nano technology forms a highly resilient protective coating over your paintwork which shields it from harmful elements and provides a high gloss showroom finish that retains its appearance, wash-after-wash.

How can I be sure that the protection actually works?

When you visit Cargiant, one of our sales representatives will be happy to give you a quick demonstration. You can also view this video.

Using cargiant.co.uk

What is My Garage?

Manage your search for the perfect through your personal My Garage account. Use your account to keep on top of your test drive bookings and eStock alerts. You can also compare cars, and if you’ve added cars to your personal Watchlist, we’ll keep you up to date with the status of the cars all from one place.

What does it mean to "Add to watchlist"?

When you add a car to your Watchlist, the car will appear in your My Garage account. Here you can view all items you are watching in one place so you won't have to search for it again. As our cars sell fast we'll keep you up to date with the car/s status/es for example, when it's available in our showroom for a test drive, if it sells to another customer and is no longer for sale and if there's a change in price.

How many cars can I add to My Watchlist?

You can add up to 15 cars to your Watchlist.

What’s an eStock alert and why should I sign up for it?

If you don’t find a car that matches your specification or you’ve seen a car on our website that has recently sold, sign up for an eStock alert and we’ll notify you as soon as a car that matches your requirements comes in stock and on sale. Our stock is continually updated so we can guarantee that if we don’t have a car today that we’ll have it pretty soon. You can sign up for up to 3 eStock alerts and manage them via your My Garage account.

Do you have any other questions?

Our customer service team is available from Monday to Friday 9am -9pm, Saturday 9am - 7pm and Sunday 10am - 6:30pm.

Email: webgeneral@cargiant.co.uk

Telephone: 020 8969 5511 (choose option 1)

Address: 44 Hythe Road London NW10 6RS

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