The Vehicle History portion of your report is built from live Experian data combined with DVLA and DVSA feeds. You'll see whether the car is subject to outstanding finance, whether it has ever been written off, recorded as stolen, or flagged with high-risk markers.
Outstanding finance. If a car is still under a PCP, HP, conditional sale or lease agreement, the legal owner is the finance company, not the seller. We show the lender name, agreement type, start date and settlement status. Never buy a car with active finance unless the seller can prove it has been settled in full.
Insurance write-off categories. Cat N covers non-structural damage, Cat S structural damage, Cat B severe damage where the vehicle should not return to the road, and Cat A total destruction. The report shows the category, the date of loss and the insurer where available.
Stolen and export markers. A live check against the Police National Computer surfaces any active stolen status, and DVLA export markers flag vehicles registered abroad but advertised in the UK, a common signal of cloning or fraudulent registration activity.
The report also covers keeper history, plate change history, colour changes, import/export status and the vehicle's full DVLA-recorded specification.