▸ Classification · History & Provenance
Data sourced from DVLA, MIAFTR, contracted stolen-vehicle data 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 consumer side of the network.
Running a check on your own car before listing gives you the same picture the buyer will see. If there is a settled finance agreement still showing, or an old Category N from a previous owner, it is far better to disclose it in the advert with the paperwork ready than to have a buyer discover it on the driveway with cash in hand.
If the report shows nothing of concern, ask to see the V5C in person and compare the VIN on the document to the one stamped on the chassis and printed on the dash. If the report flags something, raise it directly: a Category N write-off is not necessarily a deal-breaker, but a seller who claims a car has no history when MIAFTR shows otherwise is telling you something important about the rest of the conversation.
The number of previous keepers, the dates of each change, and the time each kept the vehicle are a useful proxy for ownership stability. A six-month gap between two short-term keepers, particularly if followed by a fresh advert at a higher price, is a familiar pattern in low-grade trade flipping. The check returns the keeper count and date sequence so you can spot it.
/ Brand consolidation
hpiloan.com 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, contracted UK data providers for stolen-vehicle markers and the UK lender register for outstanding finance. The team 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 hpiloan.com continue to resolve here. If you were referred to hpiloan.com 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, for the period since UK registration. Anything before the import date sits outside UK records entirely, so the report shows the import marker and the first UK registration date rather than implying a complete history.
It is worth doing before selling. You see exactly what a buyer will see, and any historic marker from a previous owner can be disclosed in the advert with the paperwork ready rather than discovered on the driveway.
Walk away. Any legitimate UK seller has no reason to object to a vehicle check — they should be running one themselves before listing.
Most often it is a typing error or a personal plate not currently assigned. It can also mean the vehicle has been exported or scrapped. Confirm the registration against a photograph of the V5C before drawing any conclusion.
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One field. A typical lookup completes in under a second, using the same UK vehicle records relied on by trade buyers and insurers.