1. Nature of our service

Vehicle History Hub is a digital vehicle history check service. We retrieve and present data from official UK databases — including DVLA, DVSA, national finance registers, and police records — and deliver it to you as a formatted report by email.

Our service is strictly an information retrieval and presentation service. We are not:

• A vehicle inspection or appraisal service
• A regulated financial adviser or financial service
• A legal adviser or solicitor
• A guarantor of any vehicle's condition, ownership, or fitness for purpose
• An insurer or warranty provider

Nothing contained in any report produced by Vehicle History Hub constitutes financial, legal, mechanical, or investment advice. Reports are tools to assist your research — the purchasing decision remains entirely yours.

2. Data accuracy disclaimer

Our reports are generated in real time using data retrieved from the Vehicle Data Global API, which aggregates information from official UK databases. While these are the same authoritative sources used by major providers, we cannot guarantee that the data is complete, accurate, or up to date in every case.

Data inaccuracies can arise for a number of reasons entirely outside our control:

• There may be a delay between an event occurring (e.g. a finance agreement being registered, a vehicle being reported stolen) and it appearing in the relevant database
• Records may have been submitted incorrectly to a database by a third party
• Some historical records — particularly for older vehicles — may be incomplete or absent
• A database may have experienced a partial outage or data gap at the time of your check
• The vehicle may have been re-registered, modified, or had its identity altered in a way not yet reflected in official records

Vehicle History Hub passes data through from official sources without modification. We are not the original data controller for any of the underlying data and cannot be held responsible for errors or omissions that originate in those source databases.

3. Known data limitations

The following are known limitations of vehicle history data that you should be aware of before making a purchasing decision:

Finance & outstanding loans

Finance agreements are registered by lenders at varying speeds. A recently taken-out finance agreement may not appear in our check immediately. Private loans not secured against the vehicle will not appear at all — only formal hire purchase (HP), personal contract purchase (PCP), and similar regulated finance products are tracked.

Stolen vehicle checks

A vehicle can only appear as stolen once it has been reported to the police and the report has been entered into the national database. A vehicle stolen but not yet reported, or reported after your check, will not appear as stolen in your report.

Write-off categories

Insurance write-offs are recorded when a claim is made and the insurer categorises the vehicle. Vehicles written off without an insurance claim — for example, privately repaired vehicles — may not appear in write-off records. Category D write-offs (the old classification) may predate the current Cat S/N system and may not appear in the same way.

Mileage records

Mileage is recorded at each MOT test and at DVLA registration events. Mileage between MOT tests is not tracked. A vehicle could have its mileage altered between tests without this being detectable from our data. Our mileage anomaly check flags statistical inconsistencies but cannot detect all instances of odometer tampering.

Imported & recently registered vehicles

Vehicles imported to the UK or recently registered may have limited or no history in UK databases. This is not an indicator of wrongdoing — it simply reflects the absence of a UK record history.

Keeper history

DVLA keeper records reflect registered keepers, not necessarily legal owners. A vehicle registered in a company's name may have had multiple personal users. Fleet vehicles and lease cars frequently show fewer "keepers" than the number of actual drivers.

4. No guarantee of vehicle condition

A vehicle history report from Vehicle History Hub is not and cannot be a substitute for a physical inspection of the vehicle. Our reports cover documented history only — they cannot detect:

• Mechanical wear, faults, or defects
• Bodywork repairs not involving an insurance claim
• Flood damage or fire damage not declared to an insurer
• Engine modifications or illegal alterations
• Undisclosed accidents or structural damage
• Tyre condition, brake condition, or general roadworthiness
• Outstanding recalls not yet actioned by the keeper

A clean report result — one showing no finance, no write-off, no stolen marker, and consistent mileage — means the vehicle has passed all documented checks available to us at that time. It does not mean the vehicle is in good condition, free of mechanical issues, or accurately described by the seller.

5. AI analysis disclaimer (Premium reports)

Premium reports include an AI-generated buyer analysis produced by OpenAI's language model. This analysis reads the structured vehicle history data in your report and produces a plain-English summary and verdict.

You must be aware of the following limitations of the AI analysis:

• The AI analysis is based solely on the data in the report — it has no knowledge of the vehicle beyond what the data contains
• It is a summary and interpretation tool only — not professional advice of any kind
• The AI may occasionally misinterpret data patterns or produce an assessment that does not reflect the full picture
• A "buy with confidence" or "proceed" verdict from the AI does not guarantee the vehicle is problem-free
• An "avoid" verdict may be overly cautious and should be considered alongside the raw data
• The AI analysis is not produced by a qualified mechanic, financial adviser, or legal professional

6. Limitation of liability

To the fullest extent permitted by applicable UK law, Vehicle History Hub expressly excludes liability for:

• Any direct or indirect financial loss arising from a purchasing decision made in reliance on a report
• Any loss suffered as a result of inaccurate, incomplete, or out-of-date data returned by third-party databases
• Any consequential, special, incidental, or punitive loss — including loss of profit, loss of opportunity, or loss of anticipated savings
• Any loss arising from service unavailability, downtime, or technical failure
• Any loss caused by circumstances outside our reasonable control, including failures by third-party data providers
• Any loss arising from a misunderstanding or misinterpretation of report data by the purchaser
• Any claim that a vehicle had undisclosed finance, was stolen, was a write-off, or had clocked mileage that did not appear in our report at the time of purchase

Cap on liability

Where liability cannot be excluded under applicable UK law, our maximum total liability to you in connection with any single report or transaction shall not exceed the price you paid for that report. Under no circumstances will our total aggregate liability across all claims exceed £50.

7. What we are liable for

Nothing in this disclaimer removes or limits our liability where UK law does not permit exclusion. We remain liable for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation — we will never attempt to deceive you about our service
• Breach of the Consumer Rights Act 2015 — if our digital content is materially faulty, not as described, or not fit for purpose, you have statutory rights to a remedy
• Any other liability that cannot be excluded under applicable UK consumer law

Your statutory rights as a UK consumer are not affected by anything in this disclaimer.

8. Real-world liability scenarios

To make our position clear, here are examples of common situations and our liability position in each:

9. Website & third-party links

While we take reasonable care to ensure vehiclehistoryhub.co.uk is accurate and up to date, we do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. You are responsible for ensuring your device is protected by appropriate security software.

Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or accept responsibility for the content, privacy practices, or accuracy of any third-party website. Visiting a linked site is entirely at your own risk.

10. Statutory rights

This disclaimer is written under the laws of England and Wales and is subject to UK consumer protection legislation. Nothing in this disclaimer affects your statutory rights as a UK consumer, including:

• Your rights under the Consumer Rights Act 2015 — digital content must be of satisfactory quality, fit for purpose, and as described
• Your rights under the Consumer Contracts Regulations 2013 — pre-sale information and cancellation rights
• Protection under the Digital Markets, Competition and Consumers Act 2024 — against unfair commercial practices

If you believe we have acted in breach of any applicable law, you can seek independent advice from Citizens Advice on 0808 223 1133 or at citizensadvice.org.uk.

11. Contact us

If you have a question about this disclaimer or believe we have a liability to you, please contact us in writing before pursuing any other course of action. We will respond within 5 business days.