What shows during a Clear HPI Report?
A vehicle is simply HPI Clear if the HPI Report shows the following:
There is no active finance agreement or loan secured on the vehicle
If there’s finance outstanding you should make sure the debt is settled before purchase. A vehicle with outstanding debt will remain the property of the financial company until it’s cleared. this suggests that the vehicle might be repossessed at any time.
It is not currently recorded as stolen on the Police database
A vehicle that’s recorded as stolen might be recovered by the Police and returned to its rightful owner. though you purchased the vehicle not knowing, if you purchased it from a personal seller, you’d have little or no legal recourse.
It has not been classified as a complete loss / write-off by an insurance company
Vehicles recorded as written off after October 1st 2017 are categorised as A, B, S or N. Current Cat C or D vehicles will remain intrinsically .
A car that’s previously been classified as a Category A or B write-offs are unsafe and will never be returned to the road. A Category S, N, C or D write-off has an often be declared a complete loss for economic reasons where the worth of the repair outweighed the value of the vehicle.
Please note that Cat S, N, C & D write-offs are often safe to shop for as long as you’re sure of the extent of the damage and therefore the quality of the repair.
It hasn’t been recorded scrapped by the DVLA
A vehicle that’s been recorded as scrapped shouldn’t be returned to the road.
It has consistent mileage readings with no discrepancies
Inconsistent mileage readings are often a symbol that the vehicle has been clocked.
To ensure a vehicle is fully HPI Clear further checks should be done on the V5C commonly referred to as the logbook and therefore the VIN/Chassis number. After conducting your check, we highly recommend you update it with the V5C/logbook number and date of issue so we will verify it isn’t one among a stolen batch which it’s the foremost recent issue. we’ll also invite the VIN/Chassis number as some interests are recorded against the VIN instead of the vehicle’s registration.
Only when all of the above are checked and verified clear employing a genuine HPI Check® can the vehicle be deemed HPI Clear.
HPI Clear is that the ultimate verification of a transparent history on a vehicle and provides the customer with complete peace of mind.
What else is included in a HPI report
The HPI Check produces a vehicle history report that has a check on the following:
Standard finance agreements add an identical thanks to mortgage agreements, therein the lender or financial company owns the vehicle until the debt is settled. meaning the person selling the car could also be the registered keeper, but not the owner of the vehicle. The owner will still be the financial company until the loan agreement has been paid off.
If a vehicle is broken and an claim is processed for it, the insurer will either authorise repairs to the vehicle, or write it off (declare it a complete loss, or not economically repairable). If it’s written off, it’ll be recorded during a write-off category, A, B, C, or Category A and B cars are so badly damaged they ought to never appear back on the road. Category C and D vehicles are often repaired and returned to the road, but you ought to exercise caution with them, and check the repairs are done correctly and fully. A vehicle inspection should be ready to confirm the standard of repairs and general roadworthiness of the vehicle.
When a car is reported stolen its registration details are added to the Police National Computer and this data is out there to HPI Check via a register. As a result, the HPI Check will flag up if a car has been reported stolen.
The National Mileage Register was found out by HPI Ltd, to research and ensure previous mileages on vehicles, to assist prevent clocked cars being sold on. The register currently holds in more than 200 million mileage readings.
Number of previous owners.
The driving and Vehicle Licensing Agency (DVLA) holds records of all owners of any vehicle registered in Great Britain. This database of auto ownership is out there to HPI.
Number of registration plate changes.
The DVLA also keeps a record of all registration plates including any transfers. As a result, the HPI Check includes full details of any registration plate changes throughout the lifetime of any vehicle.
Vehicle identification data.
HPI Check may be a vehicle’s registration plate, but a car’s Vehicle Identity Number (VIN, or chassis number) is additionally recorded by the DVLA, along side its engine number. As a result, an HPI Check discloses what chassis and engine numbers are recorded for a car therefore the relevant checks are often made to make sure the car is legitimate
It’s possible to require out a loan, employing a car as security. The practice is named a logbook loan because the car’s logbook (Registration Document, or V5C) is obtainable as collateral. because the lender effectively owns the car until the loan is paid off, it cannot be sold on – it effectively has outstanding finance.
Recorded as scrapped.
Once the DVLA has been notified that a car has been scrapped it should never be offered purchasable or returned to the road, unless its status is amended on the database.
Cars that were delivered new in another country might not be built to UK specification. These parallel or grey imports  could cost more to insure or not be approved to be used within the UK. Parts can also be hard – or maybe impossible – to seek out .
If a car has been officially exported from the united kingdom but is then offered purchasable , it cannot legally be used or insured on UK roads. the very fact that a vehicle marked as exported has not actually been exported would also raise questions on its true identity.
If a car’s colour is modified , by law the DVLA must be notified of that change. If a car’s records are updated to reflect this, those changes will appear as a part of the HPI Check report.
The MoT is an annual roadworthiness test that applies to all or any cars within the UK once they’ve reached their third birthday. It’s legal to sell a car without an MoT, but it is not legal to sell a car that does not have a current MoT certificate, while claiming that it does. An HPI Check reveals whether or not the car features a current MoT.
Road tax costs.
Road tax status: it is not legal to use a car on a public road if it is not taxed. However, when a vehicle is sold, its road tax is automatically cancelled and therefore the new owner has got to tax the car in their own name.
Officially referred to as Vehicle Excise Duty (VED), this tax is predicated on a car’s CO2 emissions, which are recorded among the DVLA data.
Estimated fuel costs. A car’s fuel consumption is directly associated with its CO2 emissions. With the latter recorded as a part of the HPI Check data, a typical fuel cost for 12,000 miles are often calculated.
Vehicle history check provider HPI was merged with used car valuation experts CAP in 2015. As a result, an HPI Check includes a valuation of the car supported the recorded specification and therefore the current mileage.
As well as these pieces of data , the complete specification of a car is additionally included as a part of the HPI Check. This data includes items like the car’s performance (maximum power and torque, top speed, 0-60 mph), the engine capacity, kind of fuel and what sort of gearbox is fitted (manual or automatic) along side the amount of gears.
HPI checks also are referred to as vehicle history checks,