Three of the most serious risks when buying a used car are outstanding finance, an undisclosed write-off and a stolen marker. The Vehicle History Check covers all three.
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 so you know exactly where the vehicle stands. Never buy a car with active finance unless the seller can prove it has been settled in full. Our guide to outstanding finance on a used car walks through HP, PCP, conditional sale and logbook loans, and what to do if a marker appears.
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, so you can judge whether the car is safe to buy at the asking price. For the buyer's guide to which categories are worth considering and which to walk away from, see Cat S vs Cat N explained.
Police 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.