Price risk on recorded facts
Base decisions on what's on record for the vehicle.
- Accident and damage records
- Mileage history
- Auction grade and condition notes
Better-informed pricing
For Business
For Insurers & Lenders
Underwrite motor risk on independent data.
Check a vehicle's auction, accident and mileage history before you insure it or lend against it: per vehicle today, at volume with a business account.
How it helps insurers and lenders
Why insurers and lenders build on CarTrust
From quote to claim, from disbursement to default, independent VIN-level facts at every decision your risk team makes.
Protect your collateral
Know what you're lending against.
- Check before disbursement
- Report PDF for the loan file
Fewer surprises after disbursement
Investigate claims with independent evidence
An independent record of the vehicle's past.
- Per-vehicle history PDF for the adjuster's pack
- A report reference for your records
Stronger claim files
How it works for you
How CarTrust fits your day-to-day
- 01
At underwriting
Check the chassis before cover is issued: auction grade and photos, accident and damage records, mileage.
- 02
Sense-check the value
Compare the declared value with the vehicle's specification, auction grade and recorded auction price.
- 03
At claim
Compare the claimed damage with what was already on record before the policy started.
- 04
Keep the evidence
Attach the report PDF to the policy or claim file.
In practice
What it looks like in practice
Example scenarios based on what CarTrust reports actually show. Vehicles, places and figures are illustrative.
Damage that was already there
- The situation
- A claim comes in for front-end damage on a 2016 Nissan X-Trail insured three months earlier.
- What CarTrust showed
- The vehicle's auction record, from before it was imported, shows a repaired front end and photos of it.
- The outcome
- The assessor has documented grounds to check whether the damage predates the policy before settling.
A value that doesn't match the record
- The situation
- A customer wants comprehensive cover on a Toyota Land Cruiser Prado at a value well above similar units.
- What CarTrust showed
- The auction record shows grade 3.5, noted bodywork and the price it sold for at auction.
- The outcome
- The underwriter agrees a realistic sum insured before issuing cover.
Mileage on a high-value policy
- The situation
- Comprehensive cover is requested for a "low-mileage" Mercedes-Benz C200.
- What CarTrust showed
- The mileage readings over time are inconsistent, a possible rollback.
- The outcome
- Cover is issued on condition of a physical inspection first.
Use cases
Where insurers and lenders use CarTrust
From new business to claims investigation: VIN-level facts at every step.
New-policy checks
Check the vehicle's record before you bind cover.
Loan origination
Check the collateral before you disburse.
Claims investigation
Add the vehicle's history PDF to the loss adjuster's file.
Renewal re-checks
Re-run a check on a vehicle at renewal.
What you get
Enterprise-grade by default
Built for risk, compliance and finance teams who care about provenance.
Pricing for your organization
We agree a per-report price based on your volume and set it on your account, talk to sales for a quote.
Prepaid wallet
Top up by M-Pesa, card or crypto and spend per report, with a log of every top-up and purchase.
Team members
Invite colleagues to your business account so everyone buys from the same wallet.
PDF reports
Download any report as a PDF to share or keep on file.
Good to know
What CarTrust can and can't tell you
- A record is a reason to ask questions, not proof of fraud or misrepresentation. Confirm with an assessor before acting on it.
- The recorded auction price is in yen at the time of sale; it isn't a current market valuation.
- There's no API or batch processing yet, reports are run per chassis number.
On the roadmap
What we're building next
Not available yet. If these matter to you, tell us, early partners shape what we build first.
Planned
API access
Vehicle history inside your underwriting or loan-origination system.
Planned
Portfolio re-checks
Periodic checks across your book, with alerts when something changes.
Planned
Batch processing
Submit many vehicles at once and get results back in bulk.
Planned
Audit logs
A record of every check made, for compliance review.
Inside every report
Seven data sections, one clear overview
Every CarTrust report: individual or business: has the full data set, so your team sees the same depth on every vehicle.
- 01
Overview
An at-a-glance view of risk flags and a summary score for fast triage.
- 02
Vehicle details
Make, model, trim, engine, drivetrain and factory specifications by VIN.
- 03
History
Ownership timeline, import records, mileage readings and prior usage.
- 04
Auction
Past auction listings, grades, photos and declared condition notes.
- 05
Specifications
Engine, transmission, drivetrain, dimensions and factory equipment for the model.
- 06
Recalls
Open manufacturer recalls and safety campaigns matched to the VIN.
- 07
Assessment
Safety, fraud and contamination checks distilled into pass / warn / fail.
Want to see it for yourself? View a sample report
Insurers & Lenders
Speak to underwriting
Tell us about your book, roughly how many vehicles you check a month, and we'll send you a price.