▸ Classification · HPI / Provenance
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 consumer side of the network.
/ Insurance shortcuts
Most people checking a vehicle on hpiloan.com 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.
Category A means the vehicle must be crushed in its entirety and never re-registered. Category B requires the bodyshell to be destroyed; only mechanical parts may be reused. Category S indicates structural damage that has been professionally repaired. Category N covers non-structural damage repaired to a roadworthy standard. The check returns the recorded category, the year of the entry and, where the insurer has shared it, the recorded damage type.
If a UK police force has logged the vehicle as stolen on the Police National Computer, that marker is returned in the check. PNC is updated by police forces themselves, so a 'no marker' result reflects the position at lookup time. The check should be re-run on the day of collection for any private purchase, since the record can change between viewing and handover.
The data shown here is pulled at lookup time from DVLA's vehicle record, the Driver and Vehicle Standards Agency MOT history, the Motor Insurance Anti-Fraud and Theft Register (MIAFTR) for write-offs and the Police National Computer feed for theft markers. Finance information is matched against the UK lender register. Nothing is cached for more than 24 hours, so a check run today reflects the record as it stood today rather than a stale snapshot.
/ 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, 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 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
An HPI-style check cross-references DVLA's vehicle record, MIAFTR (the insurance write-off register), the Police National Computer for theft markers and the UK consumer-finance register for open agreements. It does not verify mechanical condition or repair quality — only the legal and financial backstory.
DVLA records are refreshed every 6 hours. MIAFTR and PNC are live at lookup. Finance registers are updated by participating lenders as agreements are opened, settled or transferred.
Keep the PDF for at least two years. If a dispute later arises with the seller or with an insurer, the dated report is the primary evidence that the issue was either declared or undeclared at the point of sale.
Yes, for vehicles where the VIN is on record. UK registration plate is the primary lookup; VIN is a fallback for newly-imported or de-registered vehicles.
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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.