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.
Type Approval Category refers to the classification system used to categorize vehicles and their components based on certain criteria such as design, construction, safety features, emissions, and performance standards. Below are descriptions for Type Approval Categories:
1. M1 Category: This category typically includes vehicles designed for the carriage of passengers and comprising no more than eight seats in addition to the driver's seat. Examples include cars, minivans, and SUVs.
2. N1 Category: Vehicles falling under this category are designed and constructed for the carriage of goods and have a maximum mass not exceeding 3.5 tonnes. This includes vans, pickups, and light trucks.
3. L Category: This category covers light vehicles such as mopeds, motorcycles, tricycles, and quadricycles. The classification may vary depending on factors like engine displacement, maximum speed, and vehicle design.
4. O Category: This category typically includes trailers and semi-trailers designed to be coupled to motor vehicles. Trailers are classified based on their maximum permissible weight, number of axles, and other technical specifications.
5. M2 Category: This category includes vehicles designed and constructed for the carriage of passengers, comprising more than eight seats in addition to the driver's seat, and having a maximum mass not exceeding 5 tonnes. This may include larger vans, minibuses, and small coaches.
6. M3 Category: Vehicles in this category are designed for the carriage of passengers, comprising more than eight seats in addition to the driver's seat, and having a maximum mass exceeding 5 tonnes. This category typically includes larger coaches and buses.
7. T Category: This category includes vehicles designed for the transportation of goods, including larger trucks and heavy-duty vehicles. The classification may depend on factors such as maximum weight, axle configuration, and intended use.
These descriptions provide an overview of common Type Approval Categories, but specific regulations and classifications may vary between countries and regions.
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.