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1st of August, 2013

Motorists abandon essential vehicle checks

192.com launches Background Reports to protect car buyers

  • 70% of motorists don't make basic background checks when buying second hand cars[1]
  • There were 81,000 vehicle thefts last year[2]
  • Motor Finance Fraud costs the UK £10.9 million[3]
  • 192.com launches Background Reports to protect second hand buyers

ID checking website 192.com has launched Background Reports on UK residents, offering motorists greater protection against deception and fraud.

The reports will enable motorists to know who they are buying their car from, providing the background checking of sole traders and salesmen. Over 40 million people in the UK will be accounted for.

192.com's Background Reports display names, ages and addresses, property ownership, director records, financial, and shareholding information.

Charles Reis of the British Motorist Association says: "The association supports any initiatives that help protect the car buyer in what is normally a major personal investment. The concept of verifying the seller alongside the established practice of checking the vehicle itself is a great new idea and we look forward to seeing it in action through 192.com."

The reports launch as 192.com's nationally representative poll[[1] found that:

  • Just one in five learnt as much as they could about the seller of the car.
  • 73% do not verify a seller's name and address against other sources.
  • 70% did not verify a vehicle's identification number.
  • 70% did not conduct a HPI check.
  • When buying a second hand car, 57% did not check the vehicle's V5 logbook.
  • 60% do not make sure the Vehicle's MOT is up to date.

The Background Reports will also help alleviate car cloning. A 192.com survey found that more than one in 10 motorists claim to have been "ripped off" when buying a used car, with one third claiming they no longer trust car dealers when making a financial transaction.[4]

Dominic Blackburn, Product Director of 192.com said: "Background Reports offer protection from falsehoods and fraud, enabling motorists to better protect themselves when buying a second hand car from an individual or small business."

Insolvency records and county court judgements in the Background Reports will reveal unpaid debts, and mortality data will help expose identities stolen from the deceased.

Address information will show where someone lives, has lived previously, and who with. The residential listings also display neighbour's contact details, and demographic profiles of neighbourhoods.

The Background Reports are available for purchase through 192.com's website and utilise data from leading official public sources including the Edited Electoral Roll, Companies House information, the Land Registry, The Insolvency Service and data from the Registry Trust.


  1. [1] 2013 online One Poll Survey of 2000 people commissioned by 192.com Ltd
  2. [2] 81,000 vehicle thefts in 2012: http://www.ons.gov.uk/ons/dcp171778_307458.pdf
  3. [3] Stats from the June 2013 Annual Fraud Indicator, published by the National Fraud Authority page 42:  https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/206552/nfa-annual-fraud-indicator-2013.pdf

    Types of motor finance fraud include application fraud (where a customer gives incomplete or inaccurate information to a lender), conversion fraud (the fraudulent sale of a vehicle which does not belong to the seller or on which money is still owed) and first party fraud (where a customer makes their loan repayments using, for example, a false credit card).

  4. [4] 192.com nationally representative poll of 15,000 in 2010.