Buying Made Easy

There are so many ways to finance your car purchase that we take the time to fully explain your options. As licensed credit brokers, Kinghams can tailor a plan that is perfectly matched to your circumstances.

So whatever type of personal or business contract hire or loan, or whatever variant of hire purchase, we usually have a way to beat any quote you may get elsewhere, or steer you towards an irresistible manufacturer-subsidised offer. Kinghams provides finance for any marque, even for cars supplied elsewhere.

Typical Plans

Personal Contract Plans
You pay part of the purchase price by monthly instalments and choose either to pay the pre-agreed ‘guaranteed future value’ at the end of the period, or part-exchange the vehicle against a new one, or simply walk away. Contract plans are often cheaper than a traditional car loan and a bigger deposit allows you to drive a higher-spec vehicle for lower monthly payments.
Hire Purchase
Similar to a bank loan, you can use your trade-in as part of the deposit (if any) and make monthly repayments towards the full purchase price over a period up to five years. Repayments are fixed and will not change throughout the term, after which the car is yours.

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New Cars

Each manufacturer offers their own guarantee that manufacturing defects will be remedied, free of parts or labour charges, during the first few years of the vehicle life (usually a minimum of three years). Provided the car has been maintained to the manufacturer’s standards and not necessarily by their franchised dealers, Kinghams will negotiate your claim and carry out work that is covered by the warranty, with the manufacturer paying the cost. Wear and tear items are not included.

Used Cars

Every used car we sell at Kinghams is fully checked and comes with 6 months warranty absolutely free! This warranty can easily be topped up and we can offer very competitive rates. Our warranty offers exhaustive cover on all mechanical and electrical components, parts, labour and VAT (with some obvious exclusions such as fair wear and tear). These really give peace of mind as they extend to items that fall outside the scope of many other warranties.

Warranty top-up options:
12 months: £345
24 months: £690
36 months: £690


A First Class Insurance Service

Ask Kinghams Insurance for a quote and we’ll find you the best deal from our panel of the UK’s leading car insurers, delivering the same values you have come to associate with Kinghams with all the ongoing support you need.

Every policy comes with FREE Key Locator cover. Simply attach your unique, coded key tags to your key rings and they’ll be returned to you if they are lost and found.

To find out how much you could save on car insurance with Kinghams, call 01424 205064 and speak to one of our friendly insurance experts.

In addition, we’ll donate half of our earnings from your policy to Croydon’s oldest children’s charity The Reedham Trust and again every year that you renew!

Breakdown Cover

You can choose our comprehensive Breakdown Cover for just £54.50.

Kinghams provides all the usual cover plus HomeStart but includes a number of extra benefits free of charge such as call-outs for flat batteries, running out of fuel, accidental damage to tyres, lost or broken keys and a replacement driver if you are taken ill.

At just £54.50 we think you’ll agree this is great value.

To arrange cover for your car, simply call Kinghams Insurance on 01424 205064.

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