$ ecc query --domain carfraud.co.uk --category finance & write-off
› carfraud.co.uk is built for the trade side of UK vehicle data. The same lookups that sit behind retail checks, exposed at a pace that suits a forecourt or auction lane rather than a customer reading on a phone. Cloned plates, clocked mileage, hidden write-offs — car fraud costs UK buyers millions every year. Check before you pay.
Data sourced live from DVLA, MIAFTR, PNC and the UK lender register at lookup time.
Typical lookup completes in under one second from the UK.
Built and supported in the UK as part of the trade-facing side of the network.
/ Insurance shortcuts
Most people checking a vehicle on carfraud.co.uk need cover for it within the same day or week. Rather than send you back to a comparison site, the four panels below route directly to UK specialists for the most common short-notice insurance situations.
Fully comprehensive 1–28 day cover on any UK car you don't own. Quote in under two minutes, policy documents and MID registration delivered before you set off.
Get a day quote →via TempcoverLearner driverShort-term learner insurance for new and provisional drivers on a borrowed or family car. Claims are isolated to the learner's policy so the car-owner's no-claims bonus is protected.
Quote learner cover →via VeygoImpounded releaseStandard annual insurers routinely refuse impound cases. This is the specialist 30-day standalone policy every UK pound and police force accepts. Documents in minutes.
Quote impound cover →via Tempcover ImpoundedAnnual comparisonAnnual fully comprehensive quotes from the UK panel of insurers, with named-driver, telematics and classic-car options included on the same quote stack.
Compare annual →via Confused.comWe earn a commission on policies bound through these partners. The commission does not affect the price you are quoted.
A Category S or N vehicle is insurable by most UK insurers but commonly attracts a premium loading of 20-40% over an unmarked equivalent. The category marker is permanent and visible to every future insurer; declaring it on quote is mandatory and non-disclosure voids the policy.
A vehicle can be a 'total loss' to the insurer (the claim was settled as a write-off) without being structurally compromised — typically this happens when the cost to repair exceeds the insured value at the time of the claim. The check returns both the category marker and, where the insurer shared it, the recorded damage type.
For vehicles over £10,000, ex-fleet stock, anything advertised as 'just imported' or any car where the registered address sits a long way from the listing, treat a summary check as a starting point rather than the verdict. A full HPI-grade report, a pre-purchase inspection at the seller's address and a finance settlement letter where applicable are the three layers that catch the cases a quick lookup will not.
/ Brand consolidation
carfraud.co.uk is now part of Expert Car Check — the consolidated UK vehicle-data platform that several of these older brands have joined. The data sources are unchanged: DVLA's vehicle record, DVSA's MOT history, MIAFTR for write-offs, the Police National Computer feed for theft markers and the UK lender register for outstanding finance. The team, the underwriting partners and the support contact are the same. What's changed is that the work that was previously spread across several smaller brands now sits in one place, which keeps response times tight and the underlying registers maintained against current DVLA schemas. Bookmarks and historic links to carfraud.co.uk continue to resolve here. If you were referred to carfraud.co.uk by a previous report, broker or print listing, this is the right page — there is no further redirect to chase.
Visit expertcarcheck.com →/ Common questions
Yes. Cat S and N vehicles typically attract a 20-40% premium loading. The category marker is permanent and declaration is mandatory at every renewal.
A: vehicle must be crushed entirely. B: bodyshell destroyed, mechanical parts may be reused. S: structural damage, repaired. N: non-structural damage, repaired. S and N are legally insurable and roadworthy once repaired.
Get a written settlement letter from the named lender, dated within 7 days of completion, confirming the balance and the lender's discharge on receipt. Pay the settlement portion to the lender directly, the residual to the seller.
V5C doesn't match the DVLA-recorded keeper postcode; seller can't show photo ID matching the V5C name; V5C serial doesn't verify with DVLA; asking price meaningfully below market; insistence on cash and a quick handover off the registered address.
/ Also in finance & write-off
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/ Begin
One field. A typical lookup completes in under a second, using the same UK vehicle records relied on by trade buyers and insurers.