You’re looking to replace your car and planning to make the most of your budget by buying used. There are certainly big savings to had in the used car market, and the opportunity to get a lot more car for the money you spend.
However, the unwary used buyer could easily fall in one of many traps that could – at best – end up costing you money or – at worst – losing your newly-acquired wheels.
That apparently tempting buy may look pristine, particularly if a savvy seller has spent a little cash having it valeted, but the shiny metal could be hiding terrors such as the most common problem of outstanding finance. Missed payments could mean the car is actually owned by a finance company and not the person trying to sell it to you.
The problems could be much darker – such as mileage illegally reduced so that the car appears a better bargain than it is, a practice known as ‘clocking’. You might be looking at a previously stolen car, one that has been in a major accident and repaired, or even written off by an insurance company. It even be a clone of an identical model.
All these could result in you losing both the car and the money you paid for it. But much worse, you could be putting yourself and your family at risk travelling in a dangerous car that shouldn’t be on the road.
However with a little effort and in some cases a little cash, you can obtain an extensive picture of the history and the condition of that car that’s caught your eye, making it far less likely that you will be caught out. And almost all of this pre-purchase checking can be done online.
Match your market
Just how extensively you check out your intended purchase really depends on where you are buying. If the car is a manufacturer’s Approved Used model on the forecourt of a franchised dealer, you can be pretty confident it won’t be hiding any real nasties.
Manufacturer Approved Used cars also come with a warranty, which adds to the peace of mind, but of course as a result they also cost more than buying from an independent dealer or privately.
Most independent used car businesses also offer warranties, but more care is needed here – these warranties vary enormously in their actual value, while the cars on offer are generally older, higher mileage examples and more likely to have issues.
You will certainly want to make a vehicle history check, described, wrongly, by many sellers as an “HPI check”. HPI is one of several companies offering, at a cost, a comprehensive report on the history of a used car, particularly whether it has any finance outstanding, has ever been written off, or been reported stolen.
Problem is HPI has been around so long that that the term “HPI check” is applied to any kind of vehicle history record – just as all vacuum cleaners are referred to as Hoovers even though Hoover made very few of them.
Ignore signs on forecourts proclaiming “free HPI checks” – official HPI checks cost and anyone claiming to offer a free one is actually providing a vehicle history check. You have no way of knowing just how extensive that check will be – in most cases it will be no more than you can do yourself on Government websites.
A comprehensive vehicle history check is essential if you take the most risky option of buying privately. We are not saying you should ignore that car you’ve always wanted sitting on a driveway with a For Sale sign on it, but you should start off sceptical. If after doing the research you are still tempted it might be worth paying out for the most comprehensive, but also most expensive, pre-purchase check – a vehicle inspection.
Particularly useful if you are not particularly mechanically savvy, full vehicle inspections cost around £150-£200. They also need the permission of the seller, but if they refuse you should ask yourself what they might be scared of…
Inspections involve an expert crawling all over the car and taking it on a road test, then providing a comprehensive report on its condition. They don’t take it to a workshop and dismantle anything, so this kind of check is not completely foolproof, but it does give you a much stronger picture of what you are buying,
So before we look at some of the best sites to get a car check, resign yourself to spending some money – whether £20 or £200 it’s a small price to pay when you plan to spend thousands on a used car, especially if it reveals that car has a dark past…
Step 1: The basics
The first step to ensuring you don’t get caught out is quick – and free! Basic vehicle information is listed on the Driver & Vehicle Licensing Agency (DVLA) website. All you need is the make and model of the car, its registration plate and the mileage shown on the dashboard. Try and ensure you see and record the mileage shown – don’t rely on the seller to tell you.
Entering the registration on the DVLA website reveals a whole lot of information on the car which can immediately show if it is what it appears to be. One click then links to the Government’s MOT database, proving whether the car actually has a valid MOT certificate, when it expires, and crucially a history of past tests – these include advisories, so you can compare with any “full service history” that might be offered by the buyer.
Each MOT test also records the mileage, so you can check if what the clock reads now tallies with previous readings. If looking at this information throws up any questions, at the least ask the seller to explain them. And if you are not fully satisfied with the answer, walk away.
Step 2: History checks
Carguide is slightly different to a traditional vehicle history check – its range of services include all the vehicle history elements of rivals, but it also predicts the likely cost of future services and repairs.
There is a free option that includes the same MOT history you can get from the DVLA, although it also includes whether your chosen car has ever been listed as salvage or as a taxi (taxis are considered quite abused cars, typically showing high mileage mostly over lots of short journeys), and it predicts likely failure points for future MOTs.
For £6.99 you can check out two cars and get a ‘Buyers Report’ on one of them, which includes revealing whether tha car has outstanding finance, has been written off, is stolen or scrapped, plus likely service schedules and their costs.
Hard to beat for value is Carguide’s £10.99 30-day access, allowing you to check as many cars as you want, shortlisting and comparing them, and producing Buyers Reports on two of them.
If your budget is very tight this could be the best option. Mycarcheck does offer a free service, but all it provides is a valuation of how much the car should be worth and its MoT status and history – information you can get from the DVLA website.
More useful is the £3.99 basic check. This will reveal if the car has ever been stolen, exported, scrapped or written off by an insurance company, as well as providing more details about the car.
Crucially however, the Basic Check does not include outstanding debt or finance. Adding just that essential information bumps the price up to £9.99 for the ‘Comprehensive Check’.
Mycarcheck does have one major plus – its extensive multi-car service. Three comprehensive checks cost £19.50, five £25 and if you are really undecided you can get 20 checks for £70.
As we’ve already mentioned, HPI is the granddaddy of used vehicle checking services, but you might initially be put off by the firm’s ‘Basic’ check costing £9.99, the same as mycarcheck’s comprehensive option.
However your tenner does buy the most important info – insurance write-offs, and stolen vehicles. To get such features as the MoT history requires HPI’s £19.99 Comprehensive check, but this includes whether the car has been cloned from an identical model, shows up discrepancies in the recorded and apparent mileage and reveals whether the logbook has been stolen.
The Comprehensive check also provides a host of extra information, such as what the model commonly fails MoT tests on, how much it should be worth and what it will cost to own, down to the cost of fuel.
HPI also offers a multi-service – three different cars for £29.95 and is so confident of its data that all full checks include a £30,000 guarantee.
Step 3: Vehicle inspection
The AA’s vehicle inspection is typical of the most extensive pre-purchase checking you can carry out and offers two options beginning with the ‘Basic’, costing “from” £142 and only available for cars up to ten years old.
The engineer provides a report, with photos, focusing on up to 155 check points, plus a road test of up to five miles. Included are the body, engine compartment, electrics, suspension, steering, clutch, gearing, exhaust, fuel system, brakes, wheels and tyres.
A Comprehensive inspection currently costs from £191 and extends the areas covered up to 206 points, checks the bodywork for accident damage and extends the road test for up to 10 miles.
Other breakdown providers also offer a vehicle inspection service, as do independents and at a range of prices – it’s worth shopping around online. The RAC version for example (www.rac.co.uk/buying-a-car/vehicle-inspections) ranges from a basic service at £99 to an ‘Advanced’ version at £239 which includes diagnostic testing of key parts of the vehicle, analysing brake fluid and extending the road test up to 20 miles.