This sample report shows how CarCheckUp presents official UK vehicle records. Here is what to look for when running a check on a used car:
Outstanding Finance
If a vehicle has outstanding finance, the lender (e.g. Black Horse, MotoNovo, Santander) owns the car until the balance is paid. Buying without settling the agreement means the finance company has the legal right to repossess the car. Our full report lists the finance house name, agreement reference, finance type (PCP / Hire Purchase / Loan), and contact numbers.
Insurance Write-Offs (Cat S, N, C, D)
Insurers register write-offs when vehicle repair costs exceed economic value. Category S indicates structural damage, while Category N indicates non-structural damage (electrical, cosmetic, mechanical). Both categories can be legally repaired and returned to the road, but usually carry a 20%–40% lower resale market value and higher insurance premiums.
Mileage Anomaly & Rollback Flag
We analyze every historical MOT odometer reading since 2005 . If a recorded mileage is lower than an earlier reading, our automated anomaly engine flags the exact dates and odometer difference to alert you to clocking or instrument cluster replacement.
Police Stolen Markers
Cross-referenced in real-time with the Police National Computer (PNC). If a vehicle has an active theft marker, it cannot be legally registered or insured by a new buyer, and police will seize it without compensation.
Clean Vehicle Verdict
When all 24+ checks pass with zero adverse entries, the report displays a green 'Clear' summary badge confirming no finance, write-off, or stolen markers are active.
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