Car Checks Explained

A free MotorMkt check shows the official DVLA vehicle record and DVSA MOT history, and a Full History Check adds paid records such as outstanding finance, write-off markers and stolen status.

By the MotorMkt teamPublished Last updated

How we source our data: our free checks use official records from the DVLA (registration & tax) and DVSA (MOT history). Paid full history data — finance, stolen and write-off markers — is supplied by UK Vehicle Data (UKVD), which aggregates industry registers including MIAFTR (insurance write-offs) and the Police National Computer (stolen markers). MotorMkt does not query those registers directly.

Check the actual vehicle

Checking a vehicle?

Enter its registration to check the official tax, MOT and mileage record free. If you need provenance for a purchase or ownership decision, add finance, stolen and write-off checks.

Free: vehicle identity, tax/SORN, MOT history, mileage and buyer red flags.

Full history: adds outstanding finance, stolen, insurance write-off and other paid provenance checks.

The full report is optional. Review the free official record first if you are unsure. Payment is completed securely on the next screen.

Quick Answer

A vehicle history check reveals hidden problems: outstanding finance (finance company can repossess the car from you), write-off history (Cat A/B cannot be driven, Cat S/N can but affect value), stolen status, and mileage discrepancies. Our free check shows MOT history and mileage records. A full history check (paid) reveals finance, write-offs, and stolen status - essential before buying any used car.

What is a History Check?

MotorMkt splits this on purpose. Official DVLA and DVSA data stays on the free brief. You pay only for records bought in from licensed data partners. Exact fields on a given report depend on what those partners return for that registration. A clear section is not a promise that nothing has ever happened to the car.

What the free check shows

  • • Vehicle identity from the DVLA record
  • • Tax status, including SORN where the record says so
  • • MOT status, expiry, failures, advisories and the mileage at each test, from the DVSA

What Full History adds, where the partner returns it

  • • Outstanding finance — Experian Automotive, under licence
  • • Insurance write-off markers — MIAFTR, under licence
  • • Stolen marker — Police National Computer, via Experian Automotive, under licence
  • • Mileage anomalies against records collected outside the MOT
  • • Previous keeper count, and plate and colour changes
  • • Paid import, export and scrapped markers. A DVLA marked-for-export flag, when the free record includes one, is already on the free check
  • • A Glass's valuation, and previous sale adverts where they exist
  • • Taxi or private-hire licensing, where a licensing authority has recorded it
  • • Salvage auction detail, where the vehicle is a recorded write-off

We do not hold a direct feed to police, insurers or lenders. The wording for each source is on data sources.

Insurance Write-Off Categories Explained

When a car is damaged and the insurer decides repair costs exceed its value, it's "written off." The category tells you how severe the damage was — the definitions follow the ABI Salvage Code.

Category A
Scrap Only

The entire vehicle must be crushed. Nothing can be saved. These cars should never appear for sale.

⚠️ If you see a Cat A for sale, report it immediately.

Category B
Body Shell Must Be Crushed

The body shell must be destroyed, but parts can be salvaged. You might see engines or parts from Cat B vehicles, but never the whole car.

⚠️ A Cat B car cannot legally be returned to the road.

Category S
Structural Damage

Structural damage (chassis, frame, etc.) but can be repaired and returned to road. Must be professionally repaired and inspected. These cars are significantly cheaper but can be harder to insure and resell.

✓ Can be driven if properly repaired

⚠️ Always get an independent inspection

⚠️ Disclose when selling – it's legally required

Category N
Non-Structural Damage

Non-structural damage only (bumpers, lights, etc.). Often cosmetic damage where repair cost exceeded value. Can be excellent value if repaired properly.

✓ Often good value for money

✓ Easier to insure than Cat S

⚠️ Still check repair quality

Outstanding Finance

Types of Car Finance

  • HP (Hire Purchase): The car belongs to the finance company until the final payment. Cannot legally be sold without settling the finance.
  • PCP (Personal Contract Purchase): Similar to HP – the car is secured against the loan until settled or a balloon payment is made.
  • Personal Loan: If the seller used a personal loan, it's not secured against the car – the seller owns the car outright.

What to Do

  • • Always run a full history check to reveal finance
  • • Ask the seller directly if there's any finance
  • • Request proof the finance has been settled before paying
  • • If finance exists, the seller must settle it before or at the point of sale
Mileage Verification

"Clocking" – winding back the odometer – is illegal but still happens. A clocked car might seem like a bargain but could have hidden wear and mechanical issues.

How to Spot Clocking

  • • Check MOT history – mileage is recorded at every test
  • • Look for mileage dropping between MOT tests (major red flag)
  • • Compare wear (pedals, steering wheel, seats) to claimed mileage
  • • Service history stamps should show progressive mileage
  • • Very low mileage on an older car needs explanation

What Our Free Check Shows

Our free car check displays the full MOT mileage history, making it easy to spot discrepancies. Look for consistent increases – any decrease or suspicious jump should be investigated.

Understanding MOT History

MOT history is publicly available from the DVSA MOT history service and tells you a lot about how a car has been maintained. Every test records mileage, pass/fail status, and any advisories.

What to Look For

Good Signs

  • • Consistent pass record
  • • Advisories addressed by next test
  • • Regular mileage increments
  • • Tested at same/reputable garage

Warning Signs

  • • Multiple failures
  • • Same issues recurring
  • • Mileage discrepancies
  • • Tested at different garages each time

Common MOT Advisories

  • • Tyres approaching limit: Will need replacing soon
  • • Brake pads worn: Budget for replacement
  • • Light surface corrosion: Minor rust, monitor it
  • • Oil leak: Could be minor or serious – get it checked
Before You Buy Checklist
  • Run our free car check for MOT history and mileage verification
  • Get a full history check to reveal finance, write-off status, and stolen status
  • If Cat S/N, get an independent inspection to verify repair quality
  • If there's finance, get proof it's settled before paying
  • Check MOT mileage matches what the seller claims
Free brief vs Full History
NeedFree briefFull History
MOT status and historyYesYes — the free data stays visible
Mileage across MOTsYesYes, plus anomalies outside the MOT
Tax / SORNYesYes
Outstanding financeNoYes, where a record is returned
Write-off categoryNoYes, where MIAFTR returns a marker
Stolen markerNoYes, where a record is returned
Salvage auction / valuationNoWhere the paid sources return them

The free brief is £0. A single Full History Check is £6.99 instead of £9.99 with code LAUNCH30. Essential (£3.99) and Clear Title (£5.99) are narrower and do not take that code.

What a history check cannot replace
  • • Seeing the car in daylight and on a lift
  • • An independent mechanical inspection
  • • Reading the V5C and matching the VIN to the car
  • • Walking away when the price only makes sense if you do not look

A clean report reduces paperwork risk. It does not make a rusty car solid, and a crash repaired without an insurance claim leaves no write-off marker.

Frequently asked questions
What does a car history check show?
On MotorMkt the free check shows the DVLA vehicle record — identity, tax and SORN status — and the DVSA MOT history, including failures, advisories and the mileage at each test. The paid Full History Check adds records bought from licensed data partners, such as outstanding finance, insurance write-off markers and a stolen marker, where those partners return them for that registration.
What does the free check leave out?
Outstanding finance, insurance write-offs, stolen markers, salvage auction records, taxi or private-hire licensing, a valuation, previous keepers and plate changes. Those are paid records. The official MOT history stays on the free check.
What do Cat S and Cat N mean?
Both mean an insurer wrote the vehicle off. Cat S is structural damage. Cat N is non-structural damage. Either can be repaired and returned to the road. Cat A must be crushed, and a Cat B body shell must be crushed. The category describes the claim, not the quality of the repair.
What happens if I buy a car with outstanding finance?
On a secured agreement the finance company keeps an interest in the car until it is settled. If you buy it unsettled, the lender may be able to repossess it. A free MOT check will not show that interest. Check before you pay, and get written proof of settlement from the lender.
How can I spot a clocked car?
The free check lists the mileage recorded at every MOT. A drop between tests is a reason to ask for an explanation. Compare wear on the pedals, wheel and seats with the mileage the seller claims, and treat a very low figure on an older car as a question, not a bargain.

Check a registration

Read the free MOT, tax and mileage record first. If you are still buying, Full History on the same page is £6.99 instead of £9.99 with code LAUNCH30. That price is one Full History Check.

Run a free check