Roughly 1 in 3 used cars checked turns up a hidden problem: outstanding finance, a previous write-off, a stolen marker, or a mileage that does not add up. A provenance check — often called an "HPI check" after the original provider — surfaces those before you hand over any money.
What a provenance check actually covers
- Outstanding finance — is the car still owned by a lender? If so, it can be repossessed even after you buy it.
- Insurance write-off — has it been a Cat S or Cat N total loss?
- Stolen marker — is it recorded as stolen on the police database?
- Mileage anomaly — does the recorded mileage history move backwards?
- Plate & keeper changes — frequent changes can hide a car’s past.
What it does NOT tell you
A data check is not a mechanical inspection. It cannot tell you the clutch is worn or the timing belt is overdue — for that you still want a test drive and, ideally, a pre-purchase inspection. Think of provenance as the *paperwork* half of due diligence.
The data check protects you from fraud and finance. The inspection protects you from a lemon. You want both.
— Verdari buying guide
When should you run one?
Run a check before you view, so you walk in informed, and again right before you pay if any time has passed. Always verify the VIN and V5C logbook match the report.