Need help interpreting an HPI check
Discussion
Just got an HPI from a reputable main dealer on a used car and it came up with this.
29/07/11 Motor Trade and Other
19/07/11 Auction Co.
14/07/11 Auction Co.
18/05/11 Insurer
18/05/11 Motor Trade and Other
21/12/09 Insurer
It then says:
'Data insurance of 10k for 12 months was purchased on 03/08/11'
Does this mean that the car was crashed twice and the insurance took it over, and sold it on?
There is no reference to CAT C or D anywhere as far as I can see although I have been sent one page that starts with the reg, make model and ends with the above line.
Is there anything missing on this sheet?
29/07/11 Motor Trade and Other
19/07/11 Auction Co.
14/07/11 Auction Co.
18/05/11 Insurer
18/05/11 Motor Trade and Other
21/12/09 Insurer
It then says:
'Data insurance of 10k for 12 months was purchased on 03/08/11'
Does this mean that the car was crashed twice and the insurance took it over, and sold it on?
There is no reference to CAT C or D anywhere as far as I can see although I have been sent one page that starts with the reg, make model and ends with the above line.
Is there anything missing on this sheet?
Which coincides with when it seems the current dealer bought the car, so they would have done it.
The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
Hi its pretty much what BIG has said.
When you do a data check there are differing levels of insurance which you can ask for from £10k up £40k. This means that if the information is incorrect that HPI give you, you can sue them for upto the level of insurance which you have chosen.
It does not mean that the car has had any incidents this would be clearly marked on the HPI and a reason given halfway down the page.
Hope this helps
When you do a data check there are differing levels of insurance which you can ask for from £10k up £40k. This means that if the information is incorrect that HPI give you, you can sue them for upto the level of insurance which you have chosen.
It does not mean that the car has had any incidents this would be clearly marked on the HPI and a reason given halfway down the page.
Hope this helps
jazzdude said:
Which coincides with when it seems the current dealer bought the car, so they would have done it.
The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
No not normally an insurer has checked the details of the car----someone could have gone and asked an insurer for a quote???The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
Of course it could mean that there has been a claim.
jazzdude said:
Which coincides with when it seems the current dealer bought the car, so they would have done it.
The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
No, you'd be wrong to assume that. Those search results show when someone did an HPI check on that registration.The car shows no former keepers as it was a lease car so would I be right to assume that this history says that the car had an insurance incident back in May, was repaired and put in an auction in July?
jazzdude said:
At the end of the day it seems that the document that was created to inform buyers or current owners of the history of the car is open to all sorts of interpretations.
Would it not have been simpler for them to use terms that make sense for those who are not in the 'trade'?
Experian checks are for those in the trade. Would it not have been simpler for them to use terms that make sense for those who are not in the 'trade'?
The system is great for doing multiple reports in a short time, superior to Hpi imo.
Insurance company checks are fairly standard so dont let that put you off.
I have checked around a dozen cars today and all have had at least one insurance check (one had 6) - its part of being on the road.
bigandclever said:
No, you'd be wrong to assume that. Those search results show when someone did an HPI check on that registration.
That makes sense as there are multiple checks on the same day, minutes apart.The the ones that say 'Auction Co' are from an auction house and the ones that say 'Motor Trade and Other' is when a dealer checks?
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