▸ Classification · Insurance
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 trade-facing side of the network.
No UK data service sees cash repairs, undeclared accident damage, work carried out abroad, or a fault a seller has simply not mentioned. Where a field is unavailable for a particular vehicle the report says so rather than filling the gap with an estimate, because an invented figure on a report used for a purchase decision is worse than an honest blank.
Any claim — including a non-fault claim where another party was entirely responsible — typically affects future premiums for three to five years. The report you take to renewal should include the claim outcome (settled, repudiated, withdrawn), the no-claims position at renewal and any open reserve. Disclose them all even when not directly asked.
Two quotes at the same premium can behave completely differently after a claim. Check the compulsory and voluntary excess, whether a courtesy car is guaranteed or subject to availability, and whether using your own garage forfeits the repair guarantee. Those terms decide what the policy is actually worth.
/ Brand consolidation
If you've used learnerinsure.com before for a quick UK insurance quote, the same service now runs as Expert Car Check. 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 learnerinsure.com continue to resolve here. If you were referred to learnerinsure.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
Releasing an impounded vehicle requires evidence of at least 30 days of insurance from the date of release. Standard annual policies are routinely refused; a specialist impound policy is the recognised route.
Yes, and materially. Carrying paying passengers or delivering for a third party requires hire-and-reward cover by law; ordinary commuting or social policies exclude it and will not pay out.
Yes. Standard 'social, domestic and pleasure' or 'commuting' cover does not include carrying paying passengers or delivering parcels for any third party. Hire-and-reward cover is required by law.
Cover the day of collection and the following day. Handover delays are the most common reason a short policy expires part-way through the journey home, and a gap of even an hour is uninsured driving.
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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.