HCI Checks Explained: What They Are and Why They Matter
Before buying a used campervan, you need to check its history. HCI (Hire Purchase Interest) checks reveal whether the van has outstanding finance, has been stolen, or has been written off. Skipping this step can cost you thousands.
What HCI Checks Cover
Outstanding Finance
If the van was bought on finance, the finance company technically owns it until the loan is paid off. If you buy a van with outstanding finance, the finance company can repossess it — even from you.
Stolen Vehicle
A stolen vehicle check confirms the van hasn't been reported stolen. If it has, you'll lose the van and your money.
Write-Off History
If the van has been written off by an insurance company, it's been declared a total loss. Some write-offs are repaired and sold — but they may have hidden damage.
Mileage Discrepancies
Some checks compare the mileage on the odometer with mileage recorded at MOTs and services. If the mileage has been rolled back, that's fraud.
How to Get an HCI Check
Free Options
- DVLA check: Free at gov.uk. Confirms tax and MOT status.
- MOT history: Free at gov.uk. Shows MOT results and mileage.
- Police check: Some police forces offer free stolen vehicle checks.
Paid Options
- HPI Check: The original and most well-known. £10-20 per check.
- AA Vehicle Check: £10 per check. Includes finance and write-off data.
- RAC Vehicle Check: £10 per check. Similar to AA.
- mycarcheck.com: £5-10 per check. Quick and comprehensive.
What to Look For
- Outstanding finance: Red flag. Don't buy without clearing the finance first.
- Stolen: Walk away immediately.
- Write-off: Investigate further. Category A and B write-offs should never return to the road. Category C and D can be repaired.
- Mileage discrepancies: Red flag. The van may have been clocked.
How to Do Your Own Checks
VIN Check
The Vehicle Identification Number (VIN) is on the dashboard, driver's side door, and V5C document. Check they all match.
V5C Document
Check the VIN, registration, and keeper details. The V5C should be in the seller's name.
MOT History
Check the MOT history on gov.uk. Look for recurring failures, mileage at each test, and any advisory items.
Physical Inspection
- Check for signs of repair (mismatched paint, uneven panel gaps)
- Look underneath for rust, damage, or evidence of flooding
- Check the engine bay for oil leaks
- Test all electronics (windows, lights, heater)
Conclusion
A £10 HCI check can save you from buying a stolen, written-off, or finance-owed van. Always do one before buying a used campervan. It's the cheapest insurance you'll ever buy.
