January is one of the busiest months for car buying and people have already started searching for their next motor.

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The car industry is expecting a surge in car buying over the festive period, according to Motor Trader.

While it can be great looking for your next set of wheels it can also be a daunting prospect for many.

The experts at the car finance app Carmoola have put together a checklist for Brits considering buying a used car this year.

Their guide covers everything from finding a great quality used car, the must-ask questions, and essential checks to perform.

Vehicle history check

Often known as a ‘HPI check’, this will ensure the car has no hidden past and can include checking for outstanding finance, accident history, previous ownership records, and whether the advertised price is competitive.

While you can access free history checks online, some of these provide only limited information.

Some providers, including Carmoola, will run comprehensive history checks for you, for free, as part of their service. 

Thorough inspection

Examine the car for signs of wear and tear.

Check the bodywork, engine, and interior.

Ensure all features, like air conditioning and electric windows, work correctly.

Press every button and shift ever lever to make sure that everything that should move, light-up, heat or cool does its job.

Test drive

Assess the car’s performance, including brakes, steering, and suspension.

Listen for unusual noises and check for smooth gear transitions.

What you need to ask the seller

Ask about the car’s service history, reasons for selling (if a private seller), and any recent repairs.

Inquire about MOT history and any advisories.

Also ask about any added extras you can get thrown in – a full tank of petrol, a free MOT or service, for example.

Why choose used over new?

Better value retention

New cars can lose up to 40 per cent of their value in the first year.

Used cars have already undergone this rapid depreciation, offering better value for money.

Lower insurance costs

Thanks to their lower market value – and therefore reducing the potential payout size for insurers – used cars can attract lower insurance premiums than new cars.

Proven reliability

With access to reviews and a history, you can gauge the reliability of a used car more accurately.

High spec, lower price

It’s possible to find cars with upgraded features – such as performance, technology or driver comfort packages – for far less than it would cost to add such specifications to a new car. 

Aidan Rushby, head of Carmoola, said: “Buying a car can be an exciting and fun experience, but for many it’s fraught with anxiety and confusion as people are understandably worried whether they are getting a good deal, or buying a dud.

“With cars being the second largest purchase that many of us will make in our lifetimes, it’s important to address the knowledge imbalance and put buyers back in the driving seat.

“Cars are a considered purchase and can make a real difference to someone’s quality of life – whether that’s for work, family or social reasons.

“With our easy-to-follow tips, and free to use app, anyone on the hunt for a used car can feel confident that they are buying a reliable motor and not an old banger.”

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