Three records matter most before you pay for a used car: outstanding finance, insurance write-offs and police stolen records. None of them is on GOV.UK. They are held on licensed databases and the data is charged for each search, so a check that includes them costs money.
Outstanding finance
Finance agreements are not on the DVLA record. Lenders register them, and the registers are private. We have not found any service that shows the result of a finance check for free. Some pages called "free finance check" show the free basics and then charge for the finance result.
CarCostCheck's £4.99 outstanding finance check shows any agreement still on the car, with the lender, agreement type, start and end dates, agreement number and the number to call to settle it. If a car has finance outstanding, do not pay until the seller has settled it and you have seen confirmation from the lender. Our guide on how to check if a car has outstanding finance covers what to do next.
Insurance write-offs (Cat S, Cat N and the older C and D)
When an insurer writes a car off, the record goes on the insurers' write-off register, MIAFTR, which is not public. Free warning signs include a long gap in the MOT history, a price well under similar cars and signs of repair at the viewing, such as panels that do not match. To be sure, run a write-off check: ours shows the category, date, cause, damage and insurer. Cat S and Cat N explained covers what each category means.
Police stolen record
Some free checks show whether a car is currently recorded as stolen: Total Car Check says its free check does (checked 12 October 2026). CarCostCheck's free report does not. Our £4.99 stolen car check searches Police National Computer records and shows the date reported and a police contact if the car is recorded as stolen. For free, use the GOV.UK logbook checks above.
Previous keepers
Keeper names and addresses are not public. The DVLA releases a registered keeper's details only to someone with a "reasonable cause", such as finding out who was responsible for an accident. An individual applies by post on form V888, and the form explains how to pay.
The free report shows when the current V5C was issued, when the DVLA supplies it. The £4.99 check shows how many keepers the car has had, the date of each recorded change of keeper and how long each keeper had the car, without names. See our previous owners check.
Free car history check or the £4.99 full check: which do you need?
Use free checks to screen every car you look at. Pay for the full check on the one or two you are ready to view or buy, especially when:
- the car is a few years old or newer, so it may still be on finance;
- you are buying from a private seller;
- the price is well under similar cars;
- the plate or colour has changed recently, or the V5C was issued very recently;
- you are about to hand over a deposit.
Free report: £0
- MOT history, every advisory explained
- Mileage check against every MOT reading
- Reliability score out of 100
- Running costs and common faults
- Recalls, tax and MOT status, ULEZ check
- Estimated value range
- No sign-up, no email, no card
Full check: £4.99
- Everything in the free report
- Outstanding finance, with the lender and agreement details
- Write-off category, with the date, cause and damage
- Police stolen record
- Keepers, with the date of each recorded change
- Private plate and colour changes
- Import, export and scrapped markers
- VIN check and engine number
- One-off payment, no subscription
Check a car free See what the £4.99 check shows See a sample report
- Run the reg. Use CarCostCheck or the GOV.UK services, and check that the make, model, year, engine and fuel match the advert.
- Read the MOT history and the mileage. Walk away from mileage that goes down, and ask about any long gap with no test.
- Check recalls, tax and ULEZ. An open safety recall is usually fixed by the manufacturer at no cost to you; tax and ULEZ affect what the car will cost you.
- Check the logbook at the viewing. Look for the DVL watermark, check the serial number against the stolen ranges and match the VIN and engine number to the car.
If the car passes all four, run the £4.99 check before you pay a deposit. It is offered on the free report page, so you do not need to start again.
Try It Yourself
Start with the free check. No sign-up, no email, instant results.
Enter a Reg Plate
Before you type a reg into any free car check, look out for:
- results that say "issues found" but make you pay to see what they are;
- a request for your email address before you see any results;
- a low first price that starts a trial and then renews as a subscription unless you cancel.
CarCostCheck's free report needs no sign-up, no email and no card, and every paid check is a one-off payment.
Car finance compensation is a different thing. If you searched for a free car finance check because you think you may be owed money on a car finance deal you had in the past, that is about your own agreement, not a car you are buying, and a vehicle check will not answer it. The Financial Conduct Authority's car finance complaints page explains how to complain to your lender.
How much does a full car history check cost?
On 12 October 2026, single checks that include outstanding finance cost from £3.99 to £39.99 on the providers' own websites. CarCostCheck's is £4.99, paid once, with no subscription. Some dearer checks include a data guarantee, such as up to £30,000 with the AA's check; ours does not. For every provider's price, see our cheapest car history check prices.
Ready to Check a Car?
Free report: MOT history explained, mileage check, reliability score and running costs. Full history check £4.99. Valuation £2.99. No subscription, ever.
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