There are dozens of ways that someone can deceive you into buying a car that isn’t all that it appears to be.If you are not an expert on cars, and let’s face it, most of us aren’t, it’s easy for us to fall into the trap.
One of the biggest and unseen pitfalls is outstanding finance. If a car you have bought in good faith still has finance owing on it, the finance company will be registered as an “interested party” in the vehicle. Until the debt is settled, they have every right to take the car and sell it to recover the money owed to them.
If you want to keep the vehicle, you would have to settle the other persons debt. Your only option then is to take them to court to try and retrieve your money, hardly fair is it?
How do I check the history of a used car?
So, what can you do? For as little as £3.00 you can check the history of the car you are buying before you part with any cash. An HPI Check report accesses information from the Police, the Insurance Companies, Finance Institutions, the DVLA, main dealers and garages.
An online HPI Check will confirm:
- Vehicle Make, Model and Colour
- Door Plan
- Engine Size
- Finance Clear
- VIN Check verification against Chassis Number
- Number of Previous Owners
- Written off by Insurance
- Previously Stolen
- Mileage History
- V5 Document Check
These HPI Checks or Car Data Checks are instantly available online and there are deals to be had for checking multiple cars if you haven’t quite found the one you want yet. All you need to run the check is the registration number of the car in question.
How much will a HPI Check cost?
Prices vary considerably for these checks. HPI Check.co.uk start theirs from £19.99 and offer the most comprehensive report available. MyCarCheck.co.uk have a more basic check but start at just £2.95.
Most of the companies offering Car Data Checks today offer a warranty, giving you some protection if their information is inaccurate. The warranty amounts do vary considerably depending on the level of check you buy so make sure you choose one with adequate cover.
3 of the largest providers of car history check reports are shown below.