Whether you're upgrading, downsizing, or purchasing your first vehicle, there’s a lot to think about when buying a used car.
The used market offers excellent value, a wide range of choice, and the opportunity to drive away in a car that suits both your lifestyle and budget. Still, it’s natural to want reassurance that your rights are protected throughout the process.
In the UK, drivers enjoy strong consumer protections when buying a used vehicle from a reputable dealership. Understanding these rights helps you buy with confidence and enjoy a smooth and stress-free motoring experience. Here’s everything you need to know.
Your Rights Under the Consumer Rights Act 2015
When you buy a used car from a dealer, the Consumer Rights Act 2015 applies. This means the vehicle must be:
1. As Described
The car should match the advert, including mileage, features, age, and condition.
2. Of Satisfactory Quality
Taking into account the car’s age, price, and mileage, it should meet reasonable expectations and perform as it should.
3. Fit for Purpose
If you tell the dealer you need the car for something specific (such as towing or long-distance commuting) the vehicle should be suitable for that purpose.
These rights ensure that customers can purchase with confidence, knowing their dealership is committed to providing a fair, transparent, and professional experience.
Your Short-Term Right to Reject (First 30 Days)
As with any goods purchased, you can return a used car within 30 days of purchase if a fault is discovered that was present at the time of sale. Your refund must be processed without undue delay, typically within 14 days.
Right to Repair or Replacement (After 30 Days)
If a fault appears after the 30-day period but within the first six months, the dealer has one opportunity to repair or replace the vehicle. If the fault still occurs, they must provide a refund.
Approved Used and Vehicle Checks
Trustworthy dealerships, like Vertu, carry out thorough checks on every car before they are put on the market, this includes:
A full mechanical inspection
A full check of controls and electrical equipment
A thorough prep and clean
Many also sell Approved Used cars, which fit a separate list of criteria provided by the manufacturer.
Test Drives and Inspections
You are always welcome to test drive a used car before buying. This is a great opportunity to get a feel for the vehicle and make sure it suits your driving style. Customers are also free to arrange independent inspections if they wish.
Finance Rights and Cooling-Off Periods
Can you cancel a finance agreement?
Depending on the type of agreement you have, and the terms outlined in your contract, you may be able to cancel your finance agreement.
Some agreements, like regulated finance contracts, may include a 14-day cooling-off period. During the cooling-off period, you are legally allowed to cancel your finance agreement with the provider. However, you are still liable to repay the full amount of credit and any interest that has accrued within 30 days of giving notice. Remember, this only applies to cancelling the finance agreement, not the purchase of the car itself.
If you want to cancel after this period, you will likely need to either pay off the loan balance or consider voluntary termination (VT). It’s best to check your contract and speak to your finance provider about your options.
There will probably be certain terms and conditions laid out in your contract that you’ll need to stick to if you want to cancel outside of the cooling-off period. These terms may include the option for early termination or cancellation after you’ve signed your contract, but might be subject to early settlement fees. It’s important to always check your agreement, contract, or speak with your lender to understand your options.
- Used Cars