Again, you stand to lose your money, but in this instance perhaps something even more valuable… your health.
Despite the best efforts of the professional end of the industry, clocking is still a serious problem. Last year it around one in 16 cars looked at were red-flagged as being at risk. Thankfully the UK has a very good track record with owners returning cars which have had a recall notice issued. If you would like to have an independent inspection of a vehicle, you will need to book a Vehicle Examination. Your HPI Check will not provide any details if the vehicle has been stolen and recovered unless there are outstanding interests or the vehicle was subject to being written off as a total loss by the insurer.
Information provided in your HPI Check comes from a variety of data sources. Where an interest is recorded you will be advised as to the type of interest as well as an explanation as to what the interest means. If you are unsure what to do next please contact the seller and seek an explanation.
If you are still unsure about the vehicle purchase, do not go ahead with the transaction. This could mean that we have not yet received that data or it could be mean there are no current interests recorded.
Lots of people buy vehicles using some form of finance from a finance company. That means the person selling the car may be the registered keeper, but NOT the owner of the vehicle.
That will continue to be the finance company until the loan agreement has been paid off. Not all check providers have finance information, so make sure you use one who does have finance information. If the loan is defaulted on, then the finance company could seize back the vehicle in lieu of payment. You need to speak with both the seller and the finance company to find the best way to clear the finance off the vehicle, and make sure you end up purchasing the vehicle, debt free.
If the vehicle has been stolen, then it technically belongs to someone else and the Police will take it from you. It means you risk losing both the car and the cash you paid for it, which could put you seriously out of pocket.
Clocking vehicles is a quick way of adding value to a vehicle. Not only does it add false value, but it also means the vehicle might miss significant service internals and work, which could end up posing a safety risk. The HPI Check comes with a market standard valuation — if the vehicle is priced at a lot less than the market standard, you need to find out why. If you were the seller, would you under-price it?
If a vehicle is damaged and an insurance claim is processed for it, the insurer will either authorise repairs to the vehicle, or write it off declare it a total loss. For vehicles written-off since January , the Association of British Insurers ABI provides an insurer damage classification, A to D, ranging from those vehicles which should never go back on the road, to those which can be be safely repaired.
Two new classifications were added in October, , N and S which should over time replace the C and D classifications.
Category N and S better describe the type of damage to the vehicle rather than the cost of repair. Category A - Scrap only, parts are not salvageable, vehicle not permitted on the road and should be crushed. Category B - Extensive damage, beyond repair. Parts are salvageable, vehicle not permitted on the road and should be scrapped.
Category C - Vehicle is damaged but repairable, cost of repair exceeds the pre-accident value of the vehicle. Category D - Vehicle is damaged but repairable.
Category S - Structurally damaged but repairable, its important that these vehicles are repaired professionally. Category N - Repairable non-structural damage.
This was to prevent vehicle cloning. Note that a VIC did not check the safety or quality of any repair. Only an MOT is currently required before a vehicle is permitted on the road. In addition to the Condition Alert, you will be advised if the vehicle has been registered with DVLA as having been scrapped. A vehicle inspection should be able to confirm the quality of repairs and general road worthiness of the vehicle. We also have access to manufacturer-supplied technical data where available about the vehicle, ranging from brake horsepower figures, to maximum speed, and even height, length and width.
HPI are the only authorised distributor of the official used car label, outside of the transport governmental bodies. If the vehicle comes up as stolen, you should not proceed with the purchase unless HPI can give you the all clear. We will contact the police to check whether they need to take any action and then let you know what will be happening. HPI will provide details of the companies involved and give you a reference number so you can contact them directly to discuss the outstanding finance agreement.
A settlement can usually be agreed between the seller, the finance house and the purchaser. If a vehicle appears on this register, it has been written off by an insurance company. The register warns that a vehicle has been subject to an insurance total loss claim, or 'written-off', because of damage or because it has been stolen and not recovered.
For vehicles written-off since January , the HPI Check provides an insurer damage classification, A to D, ranging from those vehicles which should never go back on the road, to those which can be be safely repaired.
If you are considering purchasing a vehicle on the register, we strongly advise that you have it independently inspected by a reputable company for structural and mechanical integrity prior to purchase.
If the total loss is a result of a theft claim, we will contact the insurance company on your behalf. This register provides details of written off vehicles that have been properly repaired and have passed an independent Autolign-approved structural examination. HPI have access to all car accident history records and can usually provide a copy of the original inspection for a fee. Logbook Check V5C details required Ensure the logbook is legitimate and the most recent issue by entering the V5C Number and Date you were provided and letting us cross check it Find out more.
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