About Our Guarantee
At VRMCheck, we take data accuracy extremely seriously. Our vehicle history reports are compiled from official UK government sources including the DVLA, DVSA, and authorised data partners. We are confident in the accuracy of the information we provide.
However, we understand that when purchasing a vehicle, you need complete peace of mind. That's why we offer our £10,000 Data Guarantee - financial protection in the unlikely event that our report contains inaccurate information that results in a direct financial loss to you.
Important Note
Claims under this guarantee are exceptionally rare. Our data is sourced directly from official registers and is regularly verified for accuracy. This guarantee exists as an additional layer of protection, not because inaccuracies are common.
What's Covered
Our £10,000 Data Guarantee covers direct financial losses arising from inaccurate information in the following areas of your VRMCheck report:
Outstanding Finance
Covered if our report states "No finance found" but the vehicle has outstanding finance registered at the time of your check.
Stolen Vehicle Status
Covered if our report states "Not reported stolen" but the vehicle was registered as stolen on the Police National Computer.
Insurance Write-Off
Covered if our report fails to disclose a Category A, B, S, or N write-off that was recorded on MIAFTR at the time of your check.
Scrapped/Exported Status
Covered if our report shows an incorrect scrapped or exported status based on DVLA records at the time of your check.
What's Not Covered
To ensure clarity and fairness, the following situations are excluded from our guarantee:
Information Not in Report
Issues with data that was not included or referenced in your VRMCheck report.
Post-Check Events
Finance, theft, or write-offs registered after the date and time of your VRMCheck report.
Mechanical Condition
We do not guarantee the mechanical condition, roadworthiness, or physical state of the vehicle.
Cloned Vehicles
Vehicles with cloned identity - we report data for the registration checked.
Commercial Use
Losses arising from commercial vehicle trading or dealer stock purchases.
Consequential Losses
Indirect losses such as loss of earnings, travel costs, or inconvenience.
Eligibility Requirements
To be eligible for a claim under our Data Guarantee, you must meet all of the following criteria:
- Valid Report: You must have purchased a Full or Premium VRMCheck report (free basic checks are not covered).
- Timely Purchase: You must have purchased the vehicle within 30 days of obtaining the VRMCheck report.
- Private Buyer: You must be a private individual purchasing for personal use (not a motor trader, dealer, or business).
- UK Transaction: The vehicle purchase must have taken place in the United Kingdom.
- Same Vehicle: The vehicle purchased must be the exact vehicle checked (matching VIN/Chassis number).
- Timely Claim: Claims must be submitted within 90 days of discovering the issue, and no later than 12 months from the report date.
- Good Faith: You must not have known about the issue prior to purchase, and must not have contributed to or caused the loss.
How to Make a Claim
If you believe you have grounds for a claim under our Data Guarantee, please follow these steps:
Gather Your Documentation
Collect your VRMCheck report, proof of purchase (receipt/invoice), V5C registration document, and evidence of the data discrepancy (e.g., finance settlement letter, police report, MIAFTR certificate).
Submit Your Claim
Complete our online claim form with all required details and upload your supporting documentation. You'll receive an acknowledgment within 2 working days.
Claim Review
Our claims team will review your submission and verify the information against our records. We may contact you for additional information if required. This typically takes 10-15 working days.
Resolution
Once verified, approved claims will be paid via bank transfer within 14 working days. If your claim is declined, we'll provide a full explanation and details of how to appeal.
Response Times
We aim to acknowledge all claims within 2 working days and provide a final decision within 30 working days. Complex cases may take longer, but we'll keep you informed throughout the process.
Claim Calculation
If your claim is approved, compensation will be calculated as follows:
- Outstanding Finance: The amount required to settle the finance agreement, up to £10,000.
- Stolen Vehicle: The purchase price paid, less any recovery or insurance payout received, up to £10,000.
- Write-Off Status: The difference between what you paid and the vehicle's fair market value as a disclosed write-off, up to £10,000.
The maximum total claim per report is £10,000. Claims are limited to one per vehicle and per VRMCheck report. You must take reasonable steps to mitigate your loss and pursue recovery from the seller where possible.
Legal Terms
1. Definitions
"VRMCheck", "we", "us", "our" refers to VRMCheck Ltd. "You", "your" refers to the individual who purchased the VRMCheck report. "Report" means the vehicle history check purchased from VRMCheck. "Direct Financial Loss" means the actual monetary loss directly caused by data inaccuracy, excluding consequential losses.
2. Guarantee Period
This guarantee is valid for 12 months from the date of report purchase. Claims must be submitted within this period.
3. Limitation of Liability
Our total liability under this guarantee shall not exceed £10,000 per report. This guarantee does not affect your statutory rights as a consumer.
4. Subrogation
Upon payment of a claim, we reserve the right to pursue recovery from third parties responsible for the loss. You agree to cooperate with any such recovery efforts.
5. Fraud
Any fraudulent claim will result in immediate rejection and may be reported to the relevant authorities. We reserve the right to pursue legal action for fraudulent claims.
6. Amendments
We may amend these terms from time to time. The terms applicable to your claim are those in force at the time your report was purchased.
7. Governing Law
This guarantee is governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the English courts.
Company Information: VRMCheck Ltd is a company registered in England and Wales. This Data Guarantee is provided as part of our commitment to customer service and does not constitute an insurance product. VRMCheck Ltd is not authorised or regulated by the Financial Conduct Authority for insurance purposes.
Document Reference: DG-TERMS-2026-V1.0
Need to Make a Claim?
If you've experienced a financial loss due to inaccurate data in your VRMCheck report, we're here to help.
Start Your ClaimOr contact our support team at support@vrmcheck.uk