Buying a used car can save you thousands compared to a brand-new vehicle, but it also comes with more risks. Without doing the right checks, you could end up with a car that’s unsafe, stolen, written off, or still under finance. In this complete guide, we’ll walk you through exactly what to check when buying a used car—and provide a free downloadable checklist to make the process even easier.
1. Vehicle History Check (Cat S, Cat N, Stolen, Outstanding Finance)
Before anything else, run a Total Car Check. This is the fastest way to uncover hidden problems like:
- Insurance write-off status (Cat S, Cat N, Cat B, Cat A)
- Whether the vehicle is stolen
- Any outstanding finance
- Previous number plate or colour changes
- Mileage discrepancies (signs of clocking)
- If the vehicle has been seen in a salvage auction
✅ Tip: Use a trusted vehicle check service like Total Car Check’s Silver or Gold report. Just enter the car’s registration number to reveal crucial details.
2. Check the V5C Logbook (Vehicle Registration Document)
Ask the seller to show you the V5C logbook and make sure:
- The VIN (Vehicle Identification Number), engine number, and registration match the car
- The keeper’s name and address match the seller’s ID
- There are no spelling mistakes or signs of forgery
⚠️ Beware: If the logbook says “duplicate” or is missing entirely, walk away.
3. Used car MOT History & Advisory Notes
Even if a car has a current MOT, you should check the full MOT history online. This reveals recurring faults or advisories that the seller may not mention.
Things to look out for:
- Rust or corrosion (especially on suspension or chassis)
- Brake or tyre warnings
- Emission failures
✅ Use Total Car Check to view a car’s MOT history for free.
4. Outstanding Finance Check
If a car has outstanding finance, the lender still legally owns it—so you could lose the vehicle if it’s repossessed.
Always run a finance check as part of your vehicle history report. If the car is on PCP or hire purchase, do not buy it unless the seller can prove the finance is settled in full. A Total Car Check Gold Check includes an outstanding finance check and £30,000 finance data guarantee.
5. Tyres, Bodywork & Mechanical Inspection
Even with a clean history, it’s vital to inspect the car in person or have it looked over by a professional.
What to check:
- Tyres: Even tread, legal depth, no cracks or bulges
- Paintwork: Look for mismatched panels (a sign of accident repair)
- Gaps between panels: Uneven gaps could mean prior crash damage
- Engine: Check for leaks, excessive smoke, strange noises
- Interior: Check seats, electronics, warning lights
✅ Consider using an independent vehicle inspection service.
6. Signs of Clocking or Mileage Fraud
Watch for signs that the mileage may have been tampered with:
- Worn pedals or steering wheel with low mileage
- Digits on the odometer that don’t line up
- Inconsistent service history records
Use a vehicle history check to verify MOT mileages. Sudden drops or plate changes are a red flag. Total Car Check’s Silver or Gold check includes an enhanced mileage check, covering both MOT mileage and data from other industry sources.
7. Take a used car for a Test Drive
Never buy a used car without a proper test drive. Use this time to check:
- Brakes: Smooth, no grinding or pulling
- Steering: Responsive and not overly stiff or loose
- Suspension: Listen for knocks over bumps
- Gears: Smooth shifting
- Warning lights: Ensure they turn off after ignition
✅ Bring someone with you for a second opinion if possible.
8. Check the Service History of the Used Car
Ask for the full service history—ideally stamped by a dealership or independent garage. This shows the car has been properly maintained.
Look for proof of:
- Regular oil changes
- Timing belt replacements (if applicable)
- Brake servicing
- Annual servicing intervals
Cars without service history may cost more in the long run.
Final Thoughts: Buy Smart, Not Blind
Buying a used car doesn’t have to be risky—if you know what to check. Start with a comprehensive vehicle history check, inspect the car carefully, and don’t be afraid to walk away if anything feels off.