HPI (Hire Purchase Inspection) check can be valuable when considering purchasing a used vehicle, especially in the United Kingdom. An HPI check provides essential information about a vehicle’s history, including outstanding finance, whether it’s been reported as stolen, if it’s been written off, and more. So, are HPI Checks actually worth it? Let’s learn more about it.
What is an HPI check?
An HPI Check, a service offered by HPI Ltd, examines the history of any motorized vehicle registered in the UK, including automobiles, trucks, and motorcycles. The HPI Check Report will notify you of any unsettling information that financial and insurance providers, the DVLA, the Police, and other industry agencies have on file about the car.
It would help if you utilized the HPI Checks as your first line of defence against auto fraud because it is most likely the most significant check you will perform before purchasing a secondhand car.
What is included in the full HPI vehicle check?
It is important when deciding whether to change your current set of wheels. It will reveal a car’s history, including whether it has unpaid debt, has been stolen, written off, or has irregular mileage.
Either you opt for HPI or our caranalytics check, the report will contain the following and more:
Vehicle Identity Information (make, model, door plan, vehicle’s current colour & prior colour, transmission, engine size, ownership transfer)
- Plate Transfer Details
- Outstanding Finance
- Mileage Accuracy
- Stolen Car Check
- Written-off or Total Loss Declaration
- Clocking Check
- Import & Export Data
- Full Tax and MOT History
- High-Risk Check
- Scrapped Status
How can I tell whether my vehicle is HPI clear?
- It does not have a loan or active finance arrangement secured on it.
- It is not currently listed in the Police National Computer as having been stolen.
- An insurance carrier has not designated it as a total loss or write-off.
- The DVLA does not have a record of scrapping it.
Difference between HPI check and caranalytics check
Caranalytics gets its data from the same sources HPI Ltd. uses to create its reports. Yes, we request data from the DVLA, the Police National Database (PND), MIAFTR, and some other trusted firms and pay them for their services. It means there is virtually no difference between the HPI and our car history checks. We provide more data, and our internal reports show a remarkable accuracy of over 99.9%.
Caranalytics (CA), offers the most comprehensive vehicle checks and free car check in the UK. The good thing about the further checks is that they are as accurate as HPI Checks and are more affordable.
Caranalytics vehicle history checks are available at just £9.95, at less than half the cost of an official HPI check (£19.99). So, why pay more? Compare our Pricing Plans.
👉 Check out Car Analytics‘ 5-star reviews and make us your go-to choice for HPI-style vehicle history checks.
The risks involved in buying a used car without an HPI check:
- Buying a used car without an HPI check exposes buyers to major risks.
- You might unknowingly take on outstanding finance or loans from the previous owner.
- This can lead to repossession or legal issues, making you liable for someone else’s debt.
- There’s a higher chance of falling victim to car scams or buying a stolen vehicle.
- An HPI check can reveal if the car has been reported stolen, helping you avoid legal trouble.
- It also provides details about the car’s accident history and any hidden damage.
- Skipping the check can result in costly repairs later on.
- Not performing an HPI check is like gambling with your investment and risking your financial security.
Get a Low cost HPI check!
Is it important to get an HPI check?
Yes, it is important to get an HPI check when considering buying a used car in the UK. This can help you make an informed decision and avoid potential problems. If you believe HPI Checks are similar to any other reliable vehicle check service, saving £11 will not be a bad decision. The cost of an caranalytics vehicle checks are relatively small compared to the potential risks and costs associated with buying a vehicle with hidden issues.
Frequently Asked Questions about HPI Check:
While HPI checks provide valuable information, they are not infallible. There is always a slight possibility that some details may be missed or not up to date. Therefore, it’s important to use an HPI check as a tool to gather information, but it’s also recommended to conduct other checks, such as physical inspections, test drives, and independent assessments of the vehicle’s condition.
Consider setting up an HPI check if the dealer doesn’t provide it. Before you buy a car, it’s critical to understand its history. Since you never know if a vehicle may have a mysterious past, it is important to do an HPI vehicle check, even for cheap vehicles.
HPI doesn’t offer free checks, but Caranalytics gives you a free car check with key info like MOT, tax, and DVLA data—just like an HPI check.
