Key Factors Influencing Second-Hand Car Purchases in the UK

With over four million second-hand cars sold in the UK so far this year*[1], car insurance experts at Uswitch have examined the used car market to understand what buyers prioritise the most. The research reveals motorists’ biggest deterrents, factors that would persuade them to spend beyond budget and the maximum mileage and age they would consider when buying. 

Poor Condition and Accident History Are the Top Deal-Breakers for Motorists When Buying Used Cars

The survey revealed that the biggest deterrents for used car buyers are primarily related to the vehicle’s physical and mechanical condition, accident history, and incomplete service records. 

Despite being the second biggest deal-breaker, cars with a history of write-offs make up just 3.5% of AutoTrader’s current stock[2], likely due to high repair costs and limited demand.

Buyers Would Exceed Their Budget for a Used Car With Low Mileage

A third of motorists (33%) would be willing to exceed their budget for a used car with low mileage. On average, the maximum mileage motorists would consider is 33,000 miles. Under a third (28%) would buy a used car that has driven over 40,000 miles, while one in five (20%) would only consider vehicles with 10,000 miles or less on the odometer. 

A good mechanical condition (e.g., engine, brakes) would encourage over a quarter (27%) to exceed their budget. Additionally, a full service history would drive a quarter (25%) of buyers to increase their spending on a used car.

Used Car Buyers Favour Vehicles Under Five Years Old

The research also demonstrated that the average maximum vehicle age motorists would consider is five years old. Almost half (49%) would only opt for a vehicle under five years old, while around a third (34%) would be willing to buy one between five and 10 years old. Only 3% would be open to purchasing a car over 10 years old.

Uswitch Car Insurance Expert, Leoni Moninska, Covers Key Considerations When Buying a Used Car:

• “Be vigilant about vehicle damage: See the vehicle in person before committing so you can assess its physical and mechanical condition, ensure it matches the description provided and check that no dashboard warning lights are illuminated. You should request and review the vehicle’s service history. You can cross-reference the MOT history with the government’s online tool by entering the car’s registration number. If you can contact the seller, it’s also worth asking about any previous repairs that have been carried out. 

• “Consider the car’s age: While the car’s condition will depend on its previous usage and level of care, the age can indicate its durability, longevity and the maintenance required. Generally, the older the vehicle, the more extensive the wear on key components (like the engine). Older vehicles may need more frequent maintenance and repairs. Additionally, older cars could lack updated safety and technology features that are included in modern models. 

• “Factor in additional purchase costs: On top of the purchase price, you should factor in any associated fees. This includes running costs based on the car’s fuel type, efficiency and your estimated mileage. You also need to consider the cost of road tax, which you must pay as soon as you buy a vehicle. In terms of insurance, you can input the car’s number plate, along with your details, into a car insurance comparison site to gauge how much it will cost. If you have contact with the previous owner, you could ask which insurance provider they used and how much they charged, but bear in mind their driving history and personal details will have impacted their quote.” 

[1] (*as of June 2025) https://www.smmt.co.uk/vehicle-data/used-car-sales/

[2] AutoTrader (as of 01/09/2025)