Buying a used car can be a daunting process, but knowing how to check its history, valuation, finance, and mileage can save you from costly mistakes. Here’s a comprehensive guide to help you make an informed decision.
Why Check a Used Car's History?
A vehicle history check reveals important information about a car's past, including whether it has been stolen, written off, or has outstanding finance. It also provides details about previous owners, mileage discrepancies, and accident history. This can help you avoid buying a car that may be unsafe or have hidden problems.
How to Get a Car History Check
Several online services offer vehicle history checks, such as the RAC, AA, and HPI. You can also check the DVLA's vehicle information service for basic details. To perform a check, you will need the car's registration number. The service will then provide a report covering key areas like theft, write-offs, finance, and mileage.
Checking Car Valuation
Knowing a car's market value is crucial to ensure you are paying a fair price. Valuation guides like Parker's, What Car?, and Auto Trader's valuation tool can give you an estimate based on the car's age, mileage, condition, and model. Compare valuations from multiple sources to get a realistic figure.
How to Check if a Car Has Outstanding Finance
If a car has outstanding finance, the lender still owns it, and you could be liable for the debt if you buy it. To check, use a finance check service like HPI Finance Check or ask the seller for a settlement letter from their finance company. A vehicle history check will also reveal any outstanding finance.
Verifying Mileage
Mileage fraud, or 'clocking', is common in used cars. To check mileage, look at the car's service history, MOT certificates, and previous MOT records online (available from the DVSA). Discrepancies between these documents and the current odometer reading could indicate tampering.
Other Important Checks
- MOT History: Check the car's MOT history online to see past failures and advisories.
- Service History: A full service history shows the car has been well maintained.
- Recall Checks: Some cars may have outstanding safety recalls. Check the manufacturer's website or the DVSA recall checker.
- Insurance Write-Off Categories: If a car has been written off, it will be categorised as A, B, S, or N. Avoid categories A and B as they are not roadworthy.
Final Tips
Always take a test drive and have a trusted mechanic inspect the car. Use a vehicle history check service before handing over any money. By doing your due diligence, you can buy a used car with confidence.
