SAMPLE REPORT FOR ILLUSTRATION PURPOSES ONLY. This is not real vehicle data. Full real data is available after purchasing a Vinnly report.

Vinnly
VINNLY COMPREHENSIVE REPORT
Generated 26 August 2026
UK
KR63HFE

2013 BMW 320d

Black · Diesel · Automatic

VIN ending: •••X47

SCANNING VEHICLE GEOMETRY...

Rendering 0/8 viewpoints...

0%
50/100
AVERAGE
Some concerns found. Review sections below carefully.
Commercial Use
Not checked — local council data only
Mileage
Last recorded: 87,234 miles
Finance & Legal
Outstanding finance detected
Write-off / Damage
No damage records found
Stolen
No stolen markers
Safety Recalls
No outstanding recalls
MOT Status
MOT failed or expired
MOT
FAIL
Valid to 15 Sept 2024
TAX
TAXED
Due 01 Mar 2025
FINANCE
FOUND
Outstanding HP/PCP
STOLEN
CLEAR
No markers
Buyer Decision Engine
Every data point weighed on a single balance
Futuristic scales of justice — green vs red pans
51BUY
52AVOID
ENGINE RECOMMENDATION
PROCEED WITH CAUTION
PULLING TOWARD BUY
Stolen check clear+17
No write-off or insurance total loss records+17
5-star Euro NCAP safety rating+17
PULLING TOWARD AVOID
Outstanding HP agreement with Sample Finance Ltd-13
Mileage anomaly detected-13
MOT not currently valid-13
4 keepers on record-13
AI ASSIST
ACTION ADVISOR

The scale tips toward caution — top risk factors: outstanding hp agreement with sample finance ltd and mileage anomaly detected.

Before purchase: request documentation for flagged items and consider an independent vehicle inspection.

We don't just count pros and cons — we weight every finding by how much it actually matters to a buyer, then tip the scale toward a single recommendation.

Commercial use data is not available from national vehicle databases. Our data sources do not include records for taxis or private hire vehicles, rental and fleet cars, driving school or learner vehicles, police vehicles, or dealer demonstration cars. Taxi and private hire licensing is managed by individual local councils, not by DVLA or the sources used in this report, and there is no single national register for rental, school, police, or demo usage. We cannot confirm or deny whether this vehicle has been used commercially in any of these ways. If this is a concern, ask the seller for the vehicle's V5C logbook and full service history, and check the relevant local council's licensed vehicle register.
Taxi
Not checked
Rental vehicle
Not checked
Driving school
Not checked
Police vehicle
Not checked
Demonstration vehicle
Not checked
Last recorded: 87,234 miles. Average 6,710 miles/year. ⚠ Mileage anomaly detected — check entries carefully.
Calculated avg annual mileage
8,723 miles
Average mileage for vehicle age
88,000 miles
MILEAGE REVERSAL DETECTED

One or more readings show a lower mileage than a previous record. This could indicate odometer tampering or a replaced cluster. Verify with the seller.

Records
11
Latest
87,234
Avg / yr
7,518
May 14Jun 15May 16Apr 17May 18Jun 19May 20Jun 21May 22Jun 23Sept 240k25k50k75k100k
Mileage reading Anomaly Expected trend
Actual vs National Average
IN LINE WITH AVERAGE
Mileage is consistent with the UK national average for this age of vehicle.
0%
vs avg
Actual
87,234
miles
UK Avg
86,900
miles
Difference
+334
miles
May 14Jun 15May 16Apr 17May 18Jun 19May 20Jun 21May 22Jun 23Sept 240k30k60k110k
Vehicle actual UK national average Above average

National average is based on DVLA/DfT data of approximately 7,900 miles/year for UK vehicles. Actual usage varies by vehicle type, owner, and usage pattern.

Odometer records
2014-05-12MOT12,050 miles
2015-06-03MOT24,100 miles
2016-05-20MOT35,800 miles
2017-04-15MOT41,200 miles
2018-05-10MOT38,900 miles
2019-06-22MOT52,000 miles
2020-05-18MOT61,500 miles
2021-06-05MOT73,200 miles
2022-05-14MOT79,800 miles
2023-06-10MOT84,100 miles
2024-09-15MOT87,234 miles
Mileage Authenticity Score
How confident we are the odometer hasn't been tampered with
20%AUTHENTIC

Several readings don't add up. We'd recommend a physical inspection of the odometer and service records.

Progression is sequential
No backward jumps detected
Annual increases within expected range
All readings from DVSA MOT sources
One unusually small gap flagged
AI ASSIST
RISK EXPLAINER

A 20% authenticity score — several readings don't add up and warrant physical inspection.

Request full service records and compare odometer readings against MOT certificates to verify authenticity.

We cross-check every recorded mileage figure against the sequence around it — looking for backward jumps, implausible gaps, and source reliability — then give you a single confidence rating so you know whether the odometer can be trusted.

Wear Lifecycle Stage
Where this car sits in its mechanical lifespan
ODOMETER
87,234
miles · 6,710/yr pace
BREAK-IN
0–15k
PRIME
15k–60k
MATURE
60k–100k
HIGH-MILEAGE
100k–150k
TWILIGHT
150k+
YOU ARE HERE

Established wear, well-proven.

NEXT MILESTONE → HIGH-MILEAGE

Entering higher maintenance zone.

AI ASSIST
ACTION ADVISOR

At 87,234 miles in the MATURE stage, the vehicle is approaching the higher-maintenance zone.

Next milestone: HIGH-MILEAGE (100k–150k miles). Follow the manufacturer service schedule for this mileage bracket.

Total mileage means nothing without context. We place the car on a lifecycle timeline so you can see what's behind it — and what maintenance costs are likely coming next.

Driving Intensity Score
A single rating for how hard this car has been driven
48/ 100
LIGHT USE

We distil every recorded odometer reading into one number. A low score means gentle, typical use; a high score means this vehicle has worked harder than most of its age.

ANNUAL AVG
8,485 mi
PEAK PERIOD
12,140 mi
2015–16
CONSISTENCY
76%
AI ASSIST
ACTION ADVISOR

Annual average of 8,485 mi/yr with a peak of 12,140 miles in 2015–16 suggests sustained motorway commuting — generally less damaging for engine wear.

Consistency rating of 76% indicates steady usage year over year. Request service records from the peak year to verify maintenance kept pace.

The score blends average annual mileage, the busiest 12-month window, and how steady the usage pattern has been year over year. It gives you a quick sense of whether this car has lived an easy or hard life.

FAIL
2024-09-15
87,234 miles
Nearside Front brake pad worn below 1.5mm
Offside Front brake disc pitted
Rear registration plate lamp not working
Offside Rear tyre worn below 1.6mm
PASS
2023-06-10
84,100 miles
Nearside Front tyre wearing thin
Front wiper blade worn
PASS
2022-05-14
79,800 miles
Minor oil leak from rocker cover gasket
PASS
2021-06-05
73,200 miles
PASS
2020-05-18
61,500 miles
Front brake pads wearing
FAIL
2019-06-22
52,000 miles
Nearside Front brake disc excessively worn
Offside Front brake disc excessively worn
Exhaust emissions below standard
PASS(retest)
2019-07-05
52,300 miles
PASS
2018-05-10
38,900 miles
PASS
2017-04-15
41,200 miles
PASS
2016-05-20
35,800 miles
PASS
2015-06-03
24,100 miles
PASS
2014-05-12
12,050 miles
Maintenance Discipline Score
How well did the previous owner actually care for this car?
85/100
CARE LEVEL
METICULOUS
Meticulous upkeep — issues dealt with promptly
Advisories fixed before next test
No recurring advisories
WELL MAINTAINED
MOT always done before expiry
2 failed test(s)
INCONSISTENT
Recurring issues left unresolved
None detected
WELL MAINTAINED
Issues repaired promptly after failure
75% first-time pass rate
WELL MAINTAINED
Servicing evidence from MOT history
83% overall pass rate
WELL MAINTAINED
AI ASSIST
POSITIVE SIGNAL

MOT always done before expiry: 2 failed test(s) — some inconsistency detected in maintenance history.

Budget for repairs related to flagged signals if no evidence of recent work is provided. Ask for service invoices covering the flagged periods.

A pass rate tells you if the car scraped through. This tells you whether the owner bothered to fix things between tests — a far better indicator of how the car was treated.

Fault Risk Trajectory
Is the vehicle getting better or worse over time?
IMPROVING-2 /yr

Faults are becoming less frequent and less severe over time.

2024
2023
2022
2021
2020
2019
2019
2018
2017
2016
2015
2014
EARLIEST TESTMOST RECENT
AI ASSIST
POSITIVE SIGNAL

Faults are decreasing at -2/yr — a positive sign of recent maintenance investment.

Stable or improving trends support a confident purchase. Still verify the latest MOT advisories have been addressed.

Rather than just listing faults, we track how they change across every MOT on record. A worsening trend can reveal a car that's quietly deteriorating — even if the latest test passed.

Roadworthiness Coverage Timeline
Every year the car was legally roadworthy — and when it wasn't
1 gap found
There was a 14-week gap where the car may have been driven without a valid MOT.
2014
2015
2016
2017
2018
2019
2019
2020
2021
2022
2023
2024
VALID
CURRENT
LAPSE
AI ASSIST
RISK EXPLAINER

1 coverage gap found totalling 14 weeks. Gaps may indicate SORN, repairs, or off-road periods.

Check the vehicle's SORN history on gov.uk for gap periods. A gap with no documentation is worth investigating.

We map out every year of the vehicle's life and check whether a valid MOT was in place throughout. Gaps don't always mean wrongdoing — the car may have been off the road — but they're worth understanding before you commit.

Valuation Breakdown
Trade-inDealer straight trade-in
£8,200
Part ExchangePart-ex against another car
£8,900
Private SaleIf you sell privately
£10,200
Dealer RetailForecourt price
£11,400
Full Price Range
£0 — £0
Price trend
Sample Data
Live valuation tracking and market price trends are available in a purchased report.
This sample shows static valuation estimates only.
Running Costs
Fetching live fuel prices...
Tax & Emissions Impact
What the CO₂ band actually costs you in pounds
TAX BAND
D
CO₂ OUTPUT
124
g/km
YEAR 1 VED
£260
5-Year Tax Projection
£260
YR1
£190
YR2
£190
YR3
£190
YR4
£190
YR5
Class avg £210/yr
5-YR TOTAL
£1020
VS CLASS AVG
−£30
AI ASSIST
ACTION ADVISOR

Tax band D with 124 g/km CO₂. 5-year VED total: £1020 (below class average by £30).

This vehicle is cheaper to tax than similar cars in its class. No action needed on emissions costs.

The CO₂ band letter is abstract — so we translate it into actual pounds: what you'll pay in VED now, what it drops to after year one, and how that stacks up against similar cars over five years.

Environmental Cost Footprint
What this car actually costs the planet — and your wallet
ESTIMATED ANNUAL CO₂ OUTPUT
0.8 tonnes
Based on average mileage for a EURO 5 vehicle of this type
TREES TO OFFSET
36
trees / year
CLEAN ZONE COST
£1875/yr
ULEZ + CAZ charges
FUEL COST
Moderate · £0.14/mi
AIR QUALITY
Below modern standard
AI ASSIST
ACTION ADVISOR

As a EURO 5 vehicle, this car incurs clean-air zone charges. Annual CO₂ output of 0.8 tonnes is in line with the modern average.

If you drive into ULEZ zones 3+ days per week, upgrading to a Euro 6 equivalent model would save an estimated £375/year in charges.

We translate emissions into things you can actually feel — how many trees would be needed to absorb a year's driving, what clean-air zone charges you'd face, and whether the engine meets modern air-quality expectations. It's the environmental picture in practical terms.

Ownership Stability Index
How settled this car's ownership history really is
Stability Score69/100
HIGH CHURNMIXEDSETTLED
TOTAL KEEPERS
4
LONGEST STINT
5 yr 5 mo
AVG TENURE
3 yr 3 mo

Mixed ownership — some keepers held the car for a good while, but there are a few shorter stints worth asking about.

AI ASSIST
ACTION ADVISOR

With 4 keeper(s) averaging 3 yr 3 mo each, ownership shows a mix of settled and shorter stints.

Questions to ask: 'Why is the seller parting with it now?' and 'Can you trace why each previous keeper sold it?' Inconsistent answers warrant caution.

We weigh the number of keepers against how long each one kept the car, producing a single stability rating. It's a quick way to tell whether you're looking at a well-loved vehicle or one that keeps getting passed along.

Component Health Outlook
2013 BMW 320d Diesel 1995cc
TIMING CHAIN FAILURE
STORM
DPF ISSUES
CLOUDY
INJECTOR WEAR
FAIR
REAR SUBFRAME CRACKING
FAIR
WATCH: TIMING CHAIN FAILURE

The N47 engine is notorious for timing chain failure, typically occurring between 60,000-100,000 miles. Replacement costs £1,500-£2,500.

Typical repair window: Varies

Timing Chain FailureThe N47 engine is notorious for timing chain failure, typically occurring between 60,000-100,000 miles. Replacement costs £1,500-£2,500.Varies
DPF IssuesDiesel Particulate Filter can clog on short journeys, leading to expensive repairs or replacement at around £1,000.Varies
Injector WearHigh-pressure fuel injectors can fail, causing rough running and increased emissions. Replacement is £300-£500 per injector.Varies
Rear Subframe CrackingThe rear subframe can develop cracks around the mounting points, especially on higher mileage examples.Varies
AI ASSIST
RISK EXPLAINER

The Timing Chain Failure carries a 'STORM' risk — The N47 engine is notorious for timing chain failure, typically occurring between 60,000-100,000 miles. Replacement costs £1,500-£2,500.. Typical repair window: Varies.

Ask the seller if the timing chain failure has been inspected or replaced. A documented repair reduces this risk.

Like a weather forecast for your engine — we assess five major systems for known failure patterns and tell you which one to watch most closely.

Your BMW 320d buyer's checklist
Each ticked tip reduces the risk of unpleasant surprises. The more you check, the safer your purchase.
0/19
Get a professional inspection
  • Book an independent inspection for this 2013 BMW 320d
  • Ask the mechanic to check engine, brakes, suspension & electronics
  • Request a written report of any findings
Verify the mileage
  • A mileage anomaly was detected in the records — pay extra attention to the odometer
  • Compare the odometer reading with the 87,234 miles shown in this report
  • Look for signs of tampering (worn pedals, suspicious dash repairs)
  • Ask the seller about any discrepancies
Ask for full service history
  • Request the service booklet or full maintenance documentation
  • Check oil, filters and cam belt have been changed at correct intervals
  • Note any missed or overdue services
  • With 87,234 miles, verify the cam belt/chain has been replaced if applicable
Take a proper test drive
  • Drive at motorway speeds
  • Test on rough road surfaces
  • Listen for unusual noises or vibrations
  • Test all gears on this Automatic transmission — check for smooth changes
Vehicle-specific checks
  • Clear the outstanding finance with Sample Finance Ltd before purchase — they retain legal rights to the vehicle
  • MOT status is FAIL — budget for repairs and retest before driving
  • This vehicle is NOT ULEZ compliant — you will face daily charges when driving in London
  • With 4 keepers recorded, ask the seller why the vehicle has changed hands so frequently