£1,000,000 Data Accuracy Guarantee

This page sets out the full terms of the £1,000,000 data accuracy guarantee that applies to Expert Car Check Platinum-tier vehicle history reports. It supplements, and should be read alongside, our Terms of Service.

1. What the guarantee covers

If, after you purchase a Platinum-tier report on a specific UK vehicle, you suffer a direct financial loss as a result of one of the data points below being materially incorrect on the day the report was generated, we will reimburse your loss up to a maximum of £1,000,000 per vehicle, per claimant, per lifetime.

The guaranteed data points are:

• Outstanding finance status (HP, PCP, lease) sourced from Experian.
• Insurance write-off category (S, N, A, B) sourced from MIAFTR.
• Stolen-vehicle marker sourced from the Police National Computer.
• Mileage anomalies recorded against the DVSA MOT history.
• VIN / chassis-plate mismatch against the DVLA record.
• Scrapped, exported, or destroyed marker on the DVLA record.

2. What the guarantee does not cover

• Free, Silver, or Gold-tier reports — the guarantee is exclusive to Platinum.
• Data points not listed in clause 1, including valuation, service history, ULEZ/CAZ status, and AI predictive outputs.
• Changes to the underlying record that occurred after the report was generated.
• Indirect, consequential, or speculative losses, including loss of profit, loss of opportunity, or distress.
• Losses on a vehicle bought without a pre-purchase physical inspection by a qualified VOSA-approved technician dated within 48 hours of purchase.
• Vehicles bought from a private seller more than 7 days after the report was generated.
• Any matter excluded by the source data provider's own terms (for example, gaps in MIAFTR where the insurer has not yet reported).
• Losses where you already knew, or reasonably should have known, of the issue before buying the report or the vehicle.
• Losses arising from user input error — including typos, transposed characters, wrong VRM, or selecting the wrong vehicle from a dropdown.
• The first £500 of any proven loss, which is borne by you in all cases.
• Losses on any report other than the first Platinum report purchased for that specific vehicle.

3. Conditions of cover

All of the following conditions must be satisfied in full. If any one condition is not met, the claim is void:

• You must be the original purchaser of the Platinum report and the registered keeper (or named buyer on a dated sale invoice) of the vehicle.
• You must have completed your purchase of the vehicle within 7 calendar days of the report being generated.
• You must have retained a copy of the report and all supporting documents (sale invoice, V5C, finance settlement letter, insurer correspondence, etc.).
• You must notify us in writing within 14 calendar days of first becoming aware of the loss. Awareness begins when you receive written confirmation from a third party that the data was incorrect — not when you merely suspect it.
• You must obtain independent, dated written confirmation from the original data source (Experian, MIAFTR, DVLA, DVSA, or Police National Computer) proving the data point was incorrect on the day the report was generated. A claim without this primary evidence will be rejected summarily.
• You must have obtained a VOSA-approved technician inspection within 48 hours of purchase, which must note no visible evidence of the undisclosed issue.
• No single data point claim may exceed £100,000, even if multiple losses flow from that one inaccuracy.
• You may not combine reports or claimants to increase the cap.

4. How to make a claim

Email claims@expertcarcheck.com with the subject line "Guarantee claim — [VRM]" and include:

• The original Platinum report (PDF or web link).
• Your dated sale invoice and V5C log book.
• Independent source confirmation proving the data point was incorrect on the day the report was generated.
• The VOSA-approved technician inspection report.
• A notarised statement of loss.
• Bank statements or other documentary proof of the financial loss.
• A detailed timeline of how the loss arose.

We will acknowledge your claim within 5 working days and aim to reach a decision within 60 working days. If we agree the claim, we will pay you the assessed loss (less the £500 excess and subject to the £100,000 per-data-point cap) by bank transfer within 14 working days of your written acceptance of our final offer.

5. Dispute resolution

Before commencing any court or arbitration proceedings, you must first refer the dispute to an independent mediator appointed by the Civil Mediation Council. You bear all mediation costs unless the mediator finds wholly in your favour. If mediation fails, the dispute will be resolved by binding arbitration under the Arbitration Act 1996, with a single arbitrator appointed by the Chartered Institute of Arbitrators. You bear the arbitrator's fees unless the award is wholly in your favour.

6. Independent verification

Expert Car Check is an independent UK company. We are not part of the DVLA, DVSA, the Police, Experian, or any insurer. The guarantee is underwritten by Expert Car Check and is not insurance regulated by the Financial Conduct Authority. It is not a substitute for motor insurance, GAP insurance, or any other regulated financial product.

7. Governing law

This guarantee is governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that consumers may bring proceedings in the courts of their place of residence. Nothing in this guarantee limits or excludes your statutory rights under the Consumer Rights Act 2015.