Buyer's guide

How to check a used car before you buy

8 min read · Updated 1 July 2026

Nine out of ten private-sale disputes come down to something the buyer could have caught in fifteen minutes. Here's the exact checklist we'd use before handing over a penny.

1. Before you go to see the car

Ask the seller for the vehicle registration (VRM), MOT expiry, mileage, and the V5C document reference number. Run a free DVLA check straight away — if the details they've given don't match what DVLA holds, walk away before you've wasted a trip.

Run a full history check the same day. Finance and write-off records can't be seen from the outside, and they're the two problems that turn a bargain into a total loss.

2. Paperwork checks on the driveway

  • V5C logbook — check the watermark, the DVL serial number and the seller's name and address.
  • MOT certificates and service history — look for a consistent mileage trend, not big gaps or reversals.
  • VIN plate — usually on the dashboard by the windscreen and on the driver's door pillar. Both should match the V5C.
  • Locking wheel nut key, spare key, radio code and handbook — missing items are negotiation leverage.

3. Ten-minute physical inspection

Do this in daylight, on a dry day. Look along each panel for ripples in the reflection — evidence of filler or a repaired shunt. Open and close every door, bonnet and boot; poor shut lines are a giveaway. Under the bonnet, check for mismatched panel colours around the slam panel and inner wings.

4. Test drive

Start cold — a warm engine can hide starting problems. On the drive: light acceleration through the gears, hard braking on a quiet straight (hands loose on the wheel — it should track straight), and a stretch of motorway to listen for wheel bearings and feel for vibration.

5. History checks that catch what you can't see

The two big ones: outstanding finance (the car isn't the seller's to sell) and insurance write-off (the car has been declared a total loss by an insurer). Both show up on our Full Buyer Protection Check. Also check stolen status, mileage timeline, previous keepers and colour changes.

6. When to walk away

  • Seller won't meet at the address on the V5C.
  • V5C is "in the post" or "with DVLA".
  • Price is 20%+ below market with no clear reason.
  • Pressure to pay by bank transfer or cash before you've seen documents.

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Common questions

What's the single most important check?

Outstanding finance. If the car is still on a finance agreement, the lender can repossess it — even after you've paid the seller in full.

Do I need to see the V5C in person?

Yes. Match the V5C document reference, VIN and engine number against the car itself. A missing or 'in the post' V5C is a common fraud signal.

How much should I spend on checks vs the car?

A £8.90 report on a £10,000 car is 0.09%. It's the cheapest insurance you'll ever buy against write-offs, finance and clocking.

Before you buy, check the reg.

Full Buyer Protection Check from £8.90 — finance, write-off and theft included.

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