Checklist and tips for buying a used car
Check out our guidance and checklist to ensure you're getting the right second-hand car deal
Key points
Buying a used or secondhand car can save you thousands of pounds compared to buying a brand new car.
You should carry out a used car check when buying a secondhand car. This includes assessing its mechanics, engine and interior, as well as verifying legal paperwork such as the V5C registration document (logbook) and MOT certificates
Potential drawbacks of buying a used car include hidden mechanical issues, a shorter lifespan compared to new cars, and often a limited or no warranty
Should I buy a second-hand car?
Yes, you should consider buying a secondhand car if you want to save money and help the environment.
Choosing a used vehicle in good condition will save you a significant amount of money. It also helps reduce environmental waste.
Car insurance for secondhand cars also tends to be cheaper than cover for brand new cars.
Where can I buy a second-hand car?
Dealerships
Dealerships often provide reliable cars with warranties and various financing options. ‘Approved’ dealers will ensure a car meets certain standards, offering peace of mind to buyers.
Private Sellers
Purchasing from a private seller could save you money as it may be possible to haggle over the price. However, it is a good idea to carry out a thorough check on the car's condition and history.
Online Platforms
Supermarket-style car platforms allow you to explore a wide range of cars from home. They also feature user reviews and ratings.
I am buying a second-hand car - what to check?
Here are the key areas to inspect when buying a second-hand vehicle:
Mechanical condition
Start by checking the engine, brakes, power steering and gearbox. Listen for any unusual noises and check for smooth operation during a test drive. It's also wise to look under the bonnet for any signs of leaks or recent repairs, check the windscreen for chips, and test the windscreen wipers and sunroof. Also check that the tread depth of the tyres, that the steering wheel moves as it should, and that all the seat belts are in working order.
Exterior and interior condition
Examine the bodywork for any dents, scratches, or rust. These can be telltale signs of the car's age and how well it has been maintained. Inside the car, check the upholstery and dashboard for excessive wear or damage. Ensure all electronic components such as the air conditioning, radio, and lights are functioning properly.
Legal paperwork
Always verify the V5C registration document to confirm the seller is the rightful owner and see how many previous owners the car has had. The DVLA can help with lost V5C certificates and registering a new keeper. Check the MOT certificates to see the car’s history and whether it has passed its annual checks and is roadworthy. Also check that the Vehicle Identification Number (VIN) on the car matches the number on the V5C.
Service history
A car's service history is a record of all the maintenance and repair work that has been done on the vehicle throughout its life. It includes details like the date of service, type of service (e.g., oil change, brake inspection, coolant, fluid levels), cost of service, parts replaced, and any repairs or inspections performed.
What are the pros and cons of buying a used car?
The pros
Cost-effective: Buying a used car generally costs less than a new model.
Slower depreciation: Used cars depreciate more slowly than new vehicles.
Reduced insurance premiums: It typically costs less to insure a used car.
The cons
Hidden issues: The possibility of undisclosed mechanical problems or past damage which mean the car may not function as well as a new car.
Shorter lifespan: Used cars might have already suffered some wear and tear, and might not last as long as a new car.
Limited warranty: A used car from a dealer usually comes with a warranty - but a private seller won’t offer a warranty.
How can I check a vehicle's history?
When buying a second-hand car, it's vital to carry out a vehicle history check. One effective way is using a car check service such as from the AA or RAC.
If you provide a registration number and pay a small fee, these services can provide detailed reports on past accidents, service history, outstanding finance and previous ownership. They collect data from various sources for a comprehensive car background.
Reviewing the vehicle's MOT history is also important. These service records show if the car has been consistently maintained and passed annual inspections.
Should I test drive a used car?
Yes, test driving a second-hand car is essential. It allows you to assess the car's mechanical condition and comfort. During the test drive, listen for unusual noises. These might be knocks, rattles, or whines from the engine. Also check for any warning lights on the car’s dashboard.
When it comes to the car’s handling, does it steer smoothly, or does it veer to one side? Finally, ensure all electronic systems are functioning. These include the air conditioning, infotainment system, and windows. Confirming these work properly can prevent future problems.
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Collette Shackleton
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Collette Shackleton is a highly skilled Content Writer who has over nine years’ experience creating helpful and engaging personal finance content for consumers. Collette shares her experience as a...
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Emma Lunn
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Emma has written about personal finance for almost 20 years, with a career spanning several recessions and their inevitable consequences. Emma’s main focus is helping people learn to manage their...
