HPI Check. What Is It?
An HPI check is recommended when buying a used car but why?
The checks are used to find out the history of a particular vehicle, whether it has outstanding finance against it, if it has been declared an insurance write off, has a valid mileage and provides general information.
HPI vehicle history check checklist:
• Outstanding finance and/or logbook loans – have all the debts against the car, or debts in which the car was used as security, been paid off? If not, it still belongs to a finance company.
• Write-offs – has the car previously been classed as an A, B, C, D write-off, or the newer S or N write-off categories by an insurer?
• Theft – has the car been recorded as stolen on the Police National Computer?
• Mileage – HPI’s own mileage register holds 200+ million speedometer readings.
• Previous owners – HPI can tell you how many previous owners a car's had, courtesy of the DVLA database.
• Number plate changes – again harvested from the DVLA records.
• VIN/Chassis numbers – allows you to check recorded engine and chassis numbers against those on the car itself.
• Scrapped vehicles – as with Cat A and B insurance write-offs, you don’t want a car that shouldn’t even be on the road.
• Imported/exported vehicles – cars built for foreign markets can be harder to insure or repair, while cars registered as exported shouldn’t be for sale here at all.
• MoT status – is that MoT certificate you’ve been shown genuine?
• Road tax/Fuel costs – useful for cars that use the older emissions-based road tax system, plus you’ll get an estimated cost of fuel over 12,000 miles.