Do the important checks before sending money
See the car at the keeper’s address if you reasonably can. Check the registration, VIN and V5C details agree, and ask for identification if anything is unclear. A V5C is not proof that the person owns the car, so consider a vehicle-history check and ask about outstanding finance.
Keep a written receipt showing the vehicle, price, date, mileage and the names and addresses of both parties. Save the advert and messages too. They may matter if a dispute later arises.
Insurance must be arranged for the actual car
Your current comprehensive policy does not automatically give you comprehensive cover on a newly purchased car. A “driving other cars” extension, where it exists, is normally restricted and may not apply to a car you own. Ask your annual insurer to change the vehicle, arrange a new annual policy, or consider suitable short-term cover.
Never drive on the strength of a quote alone. Wait for confirmation that cover is active and check the registration, driver details and start time.
Request a short-term quote →The quote service and any policy are provided by Ramasis Limited. Prudent Plus Limited may receive commission if you buy; this does not increase your premium.
Tax it before leaving
The seller’s vehicle tax ends when DVLA records the change of keeper. It does not pass with the car. In most cases the new keeper can tax it online using the reference from the green new keeper slip. Make sure the seller gives you the correct section.
If you cannot tax the vehicle, do not drive it home. Arrange transport or resolve the paperwork first.
Consumer rights are different with a private seller
A private seller must have the right to sell the car, and the car should match its description. However, the extensive protections that apply when buying from a motor trader do not apply in the same way to a genuine private sale. Citizens Advice explains the distinction in its guidance on buying a used car.
That makes a careful inspection and test drive especially worthwhile. If you are not confident about the mechanical condition, consider an independent inspection before buying.