Outstanding finance
The car may still be owned by a finance company. Buying it can lead to a dispute over who owns it, and the lender may try to recover the car or the money owed.
Vehicle tax rates in the UK are determined by the CO2 emission bands. It is essential to understand these bands as they impact the cost of owning and operating a vehicle. The table below provides a detailed overview of the CO2 emission bands and the corresponding tax rates for different types of cars.
| CO2 Emissions (g/km) | Diesel Cars (TC49) that meet RDE2 & Petrol Cars (TC48) | All Other Diesel Cars (TC49) | Alternative Fuel Cars (TC59) |
|---|---|---|---|
| 0g/km | £0 | £0 | £0 |
| 1 to 50g/km | £10 | £30 | £0 |
| 51 to 75g/km | £30 | £135 | £20 |
| 76 to 90g/km | £135 | £175 | £125 |
| 91 to 100g/km | £175 | £195 | £165 |
| 101 to 110g/km | £195 | £220 | £185 |
| 111 to 130g/km | £220 | £270 | £210 |
| 131 to 150g/km | £270 | £680 | £260 |
| 151 to 170g/km | £680 | £1,095 | £670 |
| 171 to 190g/km | £1,095 | £1,650 | £1,085 |
| 191 to 225g/km | £1,650 | £2,340 | £1,640 |
| 226 to 255g/km | £2,340 | £2,745 | £2,330 |
| Over 255g/km | £2,745 | £2,745 | £2,735 |
Understanding the CO2 emission bands is essential for environmental conservation and the economic aspects of vehicle ownership. Lower emissions result in lower vehicle tax rates, promoting environmentally friendly vehicle choices.
What is road tax?
Road tax, also known as Vehicle Excise Duty (VED), is a tax levied on vehicles in the UK. It is based on the vehicle’s CO2 emissions, with lower emission vehicles generally paying less tax.
How do I check my vehicle’s road tax status?
You can check your vehicle's road tax status using our free service or directly on the GOV.UK Check Vehicle Tax website.
What is an MOT?
An MOT is an annual test for vehicle safety, roadworthiness, and exhaust emissions required in the UK for vehicles over three years old. It ensures your vehicle meets the minimum safety standards.
How can I check my vehicle’s MOT status?
You can check your vehicle’s MOT status for free using our service or on the GOV.UK Check MOT Status website.
What happens if my road tax expires?
If your road tax expires, you must renew it immediately to avoid penalties, including fines and possible impoundment of your vehicle. Driving without valid road tax is illegal.
What are the consequences of not having a valid MOT?
Driving without a valid MOT can result in fines, penalty points on your license, and your insurance may be invalidated. It is illegal to drive a vehicle without a valid MOT certificate.
Can I tax my vehicle without an MOT?
No, you cannot tax your vehicle without a valid MOT certificate. You must ensure your vehicle passes the MOT test before you can renew the road tax.
How often do I need to get an MOT?
In the UK, vehicles over three years old must undergo an MOT test annually to ensure they meet road safety and environmental standards.
What documents do I need for an MOT test?
You will need your vehicle’s logbook (V5C), your current MOT certificate (if applicable), and a means of payment for the test fee.
How can I reduce my vehicle tax costs?
You can reduce your vehicle tax costs by choosing a vehicle with lower CO2 emissions. Electric and hybrid vehicles often have lower tax rates due to their reduced environmental impact.
Is road tax transferable when selling a car?
No, road tax is not transferable when selling a car. The new owner must tax the vehicle in their name, and you can apply for a refund of any remaining tax.
What should I do if my vehicle fails its MOT?
If your vehicle fails its MOT, you will be provided with a list of issues that need to be fixed. You must repair these issues and pass a retest to obtain a valid MOT certificate.
Can I drive my car to the MOT test if the road tax has expired?
Yes, you can drive your car to a pre-booked MOT test if the road tax has expired, but you must have insurance. Ensure you have proof of your MOT appointment in case you are stopped by the police.
What are the penalties for driving without road tax or MOT?
Penalties for driving without road tax include fines, vehicle impoundment, and potential legal action. Driving without an MOT can result in fines, penalty points, and invalidated insurance. Both are serious offenses and should be avoided.
Can I get a refund if I no longer need to tax my vehicle?
Yes, you can apply for a refund of any full remaining months of road tax if you sell your vehicle, take it off the road, or if it has been scrapped or exported. You need to inform the DVLA to receive the refund.
What should I do if I lose my MOT certificate?
If you lose your MOT certificate, you can get a replacement from any MOT testing center. You will need to provide the vehicle registration number and either the original MOT test number or the V5C document reference number.
Is my vehicle exempt from road tax?
Some vehicles are exempt from road tax, including electric vehicles, historic vehicles over 40 years old, and vehicles used by disabled persons. Check the GOV.UK website for detailed information on exemptions.
Can I pay my road tax monthly?
Yes, you can choose to pay your road tax annually, biannually, or monthly via direct debit. Monthly payments may incur a small additional charge compared to paying annually.
What happens if I miss my road tax payment?
If you miss a road tax payment, you may receive a fine and your vehicle could be clamped or impounded. It’s important to ensure all payments are made on time to avoid penalties.
How do I declare my vehicle off the road (SORN)?
If you are not using your vehicle and want to take it off the road, you must declare it as SORN (Statutory Off Road Notification) to the DVLA. You can do this online, by phone, or by post.
Do I need road tax if I have a SORN?
No, if your vehicle is declared as SORN, you do not need to pay road tax. However, the vehicle must not be driven or parked on public roads while it is declared off the road.
How long is a SORN valid?
A SORN is valid until the vehicle is taxed, sold, scrapped, permanently exported, or until you notify the DVLA that you no longer need it. There is no need to renew a SORN annually.
Can I drive my vehicle if it's declared SORN?
No, you cannot drive a vehicle that is declared SORN on public roads. The only exceptions are if you are driving to or from a pre-booked MOT, or to a place of repair after a failed MOT.
Based on 4,553 full reports run between March 2023 and September 2026, 1 in 3 vehicles had outstanding finance, an insurance write-off, a stolen marker or a high-risk record. (Note: These figures describe vehicles our customers chose to check, not a sample of all UK vehicles.) Here’s what to look out for.
Read the full UK Used Car Risk Report: by age, make and model
The car may still be owned by a finance company. Buying it can lead to a dispute over who owns it, and the lender may try to recover the car or the money owed.
An insurer has declared the car a total loss. Category S and N cars can be repaired and sold again, but the record lowers the value and can affect insurance.
Usually just a private plate, but a change can separate a car from its history. Check that the plate history matches the V5C log book.
Our mileage anomaly check compares every recorded reading, free on MOT readings and with dealer and insurer records in the full report. A reading lower than an earlier one can mean an error, a replaced dashboard or a clocked car.
Imported cars can have history from outside the UK that UK records don’t show. Ask for the import paperwork and service history.
A respray can be harmless, or it can hide accident repairs or a disguised identity. Compare the colour on the V5C with the car in front of you.
Recorded on 17 of the 4,553 reports we looked at. A stolen car can be taken back by the police or the rightful owner, leaving you without the car or your money.
A finance company, insurer or the police has registered an interest in the car. Contact them before you buy to find out if that interest is still active.
Source: CarCheckUp full reports, March 2023 to September 2026 (4,553 reports). Figures describe vehicles our customers chose to check, not every car in the UK.
Check a vehicle nowThe free car check covers the DVLA record and MOT history. The full car history check adds the records that decide whether a used car is safe to buy: every check below appears in the same report as our sample.
Single full report with finance, write-off, stolen and mileage checks, including VAT. Other providers’ published prices, checked September 2026.
| Check | Free check | 150+ data points Full report (24+ checks) |
|---|---|---|
| Risk checks | ||
| Outstanding finance | Not included | Included |
| Insurance write-off & damage (Cat S, N, C, D) | Not included | Included |
| Police stolen marker | Not included | Included |
| High risk register | Not included | Included |
| Scrapped & certificate of destruction | Not included | Included |
| Salvage auction records | Not included | Included |
| Vehicle Identity Check (VIC) | Not included | Included |
| History | ||
| MOT history with advisories & failures | Included | Included |
| Mileage history & anomaly check | MOT readings | Included |
| Mileage recorded by dealers & insurers | Not included | Included |
| Previous keepers | Not included | Included |
| Number plate changes | Not included | Included |
| Colour changes & DVLA colour codes | Not included | Included |
| Log book (V5C) issue dates | Latest date | Included |
| Imported, exported & pre-registration use | Export marker | Included |
| Previous searches on the vehicle | Not included | Included |
| Vehicle data | ||
| Make, model, colour, fuel & engine size | Included | Included |
| Tax status, MOT status & expiry dates | Included | Included |
| CO2 emissions & tax band | Included | Included |
| Registration & status details | Not included | Included |
| Manufacturer (SMMT) model details | Not included | Included |
| Engine, performance & technical specification | Not included | Included |
| Weights, dimensions & towing | Revenue weight | Included |
| Fuel economy & noise | Not included | Included |
| Road tax cost (6 and 12 months) | Not included | Included |
| EV battery, charging & range (electric vehicles) | Not included | Included |
| Motorcycle (MCIA) details (motorcycles) | Not included | Included |
| Price | Free | £11.99 per report from £8.39 with bundles |
Every package gives you the same full car history check. Bundles cost less per report, so they suit you if you're checking several cars. The free car check stays free.
Single vehicle
£10.79 per report
£9.59 per report
All prices include VAT. Unused reports have no expiry date. See all prices and larger bundles · See a sample report
Over 780,000+ vehicle checks completed. Read genuine feedback from buyers who avoided costly mistakes.
"Saved me £6,200 on an Audi A3! The seller claimed the car was clear, but the CarCheckUp report immediately showed £5,400 in outstanding Black Horse finance. Lifesaver."
"Identified that a Nissan Qashqai had been rolled back by 42,000 miles between its 2022 and 2023 MOTs. Walked away immediately."
"Instant download and looks much cleaner than standard vehicle check reports. Showed the complete keeper history, MOT advisories and road tax status. 10/10 recommend."
One reg check gives you the free vehicle check, and one payment the full car history check: 150+ data points across 24+ checks, with no subscription.
Direct real-time queries with DVLA, DVSA, Experian Automotive, and the Police National Computer (PNC) theft database.
Comprehensive vehicle verification covering finance, write-offs (Cat S/N), mileage rollback, keeper history, plate changes and salvage history.
Instant access to complete MOT test history, mileage anomaly analysis, test failure advisories and road tax status at zero cost.
Transparent pricing with no hidden recurring monthly fees or surprise renewals. Full reports cost £11.99 with multi-check discounts from £9.59.
Check any UK car, van or motorbike using its registration plate number or the 17-digit chassis VIN from the log book or windscreen.
Clean, mobile-friendly report generated in seconds, with downloadable PDF proof and immediate copy emailed to your inbox.
How our car check compares with other UK vehicle history check services on data coverage, sources and price.
| Feature & Coverage | CarCheckUp | HPI Check® | AutoCheck (Experian) | Total Car Check |
|---|---|---|---|---|
| Outstanding Finance Check | Included | Included | Included | Included (£9.99+) |
| Insurance Write-Off (Cat S, N, C, D) | Included | Included | Included | Included |
| Police Stolen Status (PNC) | Included | Included | Included | Included |
| Mileage Anomaly Check | Free & Full | Included | Included | Included |
| MOT History & Test Advisories | Free & Full | Included | Included | Included |
| Previous Keepers & Plate Changes | Included | Included | Included | Included |
| Free VIN Lookup | Free | Not offered | Not offered | Not offered |
| Previous Searches on the Vehicle | Included | Not offered | Not offered | Not offered |
| Free Mileage Anomaly Check | Free | Not offered | Not offered | Not offered |
| Verified Data Sources | DVLA, DVSA, Experian, PNC | DVLA, DVSA, HPI, Police | DVLA, DVSA, Experian, Police | DVLA, DVSA, Police |
| No Recurring Subscription | Yes (Pay once) | Yes (Pay once) | Yes (Pay once) | Yes (Pay once) |
| Single Full Report Price | £11.99 | £19.99 – £29.99 | £14.99+ | £9.99 – £14.99 |
Guides to checking a used car: what a car history check shows, how to read an MOT history and what to ask the seller.
Preview a complete 150+ point vehicle check. See exact report format for outstanding finance, insurance write-off, stolen status, and MOT history.
Buying a vehicle with unpaid hire purchase or PCP can lead to repossession. Learn how lenders record financial interests on the register.
The essential difference between structural (Cat S) and non-structural (Cat N) insurance write-offs, safety implications, and resale values.
How mileage rollback fraud works in the UK and how comparing annual MOT test records with insurer logs reveals clocked odometers.
Check official DVLA road tax status, VED rate, MOT expiry date, vehicle registration date, engine size, and fuel type instantly.
Learn how number plate checks work in the UK, how previous plate changes are tracked, and how to verify legitimate registration history.
Verify how many registered keepers a vehicle has had, the date of the last V5C logbook issue, and why frequent owner turnover is a red flag.
Explore expert car buying tips, common used car scams in the UK, inspection checklists, and maintenance insights from our motoring experts.
MOT pass rates, common MOT failures and typical mileage for the cars UK buyers check most. Choose a make, or go straight to a model.
Popular Land Rover models: Range Rover SportRange Rover EvoqueRange Rover
Popular MINI models: CooperCooper SCountryman
Common questions about a free car check, a vehicle check by reg and a full car history check in the UK.
Yes. The free car check shows the DVLA record (make, colour, tax and MOT status) and the full MOT history with our mileage anomaly check, for any UK registration. Outstanding finance, write-off and stolen records come from licensed databases, so they are in the full car history check. A single full report costs £11.99 including VAT.
A reg check (or number plate check) looks up a vehicle's details from its registration: make, model, colour, tax and MOT. A car history check goes further and searches the records a seller may not mention: outstanding finance, insurance write-offs, stolen markers, plate changes and mileage records.
Outstanding finance, insurance write-off records, police stolen markers, high-risk markers, scrapped and certificate of destruction status, salvage auction records, mileage records and anomalies, full MOT history with advisories and failures, previous keepers, number plate and colour changes, V5C log book dates, import and export status, previous searches, and manufacturer specification, performance and emissions data.
Yes. Choose "VIN / Chassis No." above the search box and enter the 17-character VIN shown on the V5C log book and at the base of the windscreen. We find the vehicle's current registration through the DVSA MOT database and run the check as normal. A vehicle that has never been in the MOT database may need a registration search instead.
Yes. The free check shows the MOT history with advisories and failures, mileage history with a mileage anomaly check, tax and MOT status and key DVLA vehicle details at no cost. You only pay if you want the full history report.
It compares every recorded mileage reading for the vehicle in date order. If a reading is lower than an earlier one, we flag it as an anomaly: it can be a typing error at a test, a replaced dashboard or a clocked car. The free check runs it on MOT readings; the full report adds mileage recorded by dealers and insurers. If an anomaly is flagged, ask the seller for service records that show the mileage.
A single full report costs £11.99 including VAT, and multi-check bundles are cheaper per check. There are no subscriptions or hidden fees.
From official UK sources: the DVLA, the DVSA MOT database, and Experian, which supplies finance, write-off and high-risk records and police stolen markers from the Police National Computer.
Instantly. The full report opens on screen as soon as your payment is confirmed, and a copy is sent to your email.
Yes. CarCheckUp covers the key checks buyers look for in an HPI check, including outstanding finance, write-off, stolen and mileage records, using official UK data with no subscription.
Do not buy it until the finance is settled. The finance company owns the car until the agreement is paid off and can repossess it, even from a new owner. Ask the seller to clear the agreement and get written confirmation from the lender before you pay.