Vehicle History API
Turn fragmented vehicle records into verified risk scores
GoodToKnow reconciles multi-source vehicle history and returns a structured risk API response, built for motor insurers and used vehicle marketplaces.
The Problem
EU vehicle records are fragmented by jurisdiction, not by accident
No central authority holds cross-border vehicle history. Motor insurers and marketplaces absorb the cost of reconciling what was never designed to be reconciled.
Siloed registries, no cross-border authority
No single European authority holds complete vehicle history. Each national registry uses different schemas, update cycles, and access protocols.
Manual reconciliation slows underwriting
Underwriters cross-reference multiple data sources per vehicle, each check adding to quoting time and compounding the risk of transcription errors across disconnected systems.
Undetected fraud inflates loss ratios
Odometer rollbacks, hidden finance, and clocked total-loss vehicles slip through fragmented checks, inflating claims and eroding underwriting margins.
How It Works
From VIN to verified risk score in one API call
Three steps deliver a complete, structured history record ready for automated underwriting decisions.
Submit a VIN via REST API
A single authenticated POST request with the vehicle identification number is all it takes. No batch setup, no special access tiers.
GoodToKnow reconciles all sources
Our data pipeline queries national registries, finance houses, recall databases, and historical auction records simultaneously, then cross-validates each signal.
Receive a structured risk response
A typed JSON payload delivers each signal with a confidence level and an aggregate risk score ready for your pricing engine or decisioning workflow.
Use Cases
Built for the workflows that matter most
Motor Insurers
Automate vehicle validation at quote time
Feed GoodToKnow signals directly into your rating engine. Replace manual registry checks with a single API call that returns every signal your underwriters rely on.
- Detect odometer fraud before policy issuance
- Flag total loss and outstanding finance automatically
- Get residual value band to calibrate replacement cost reserves
Vehicle Marketplaces
Give buyers verified history at the point of sale
Embed a verified vehicle history badge on every listing. Increase buyer confidence, reduce return disputes, and surface high-risk stock before it reaches your platform.
- Verified history badge on every listing
- Block high-risk stock before it goes live
- Reconcile cross-border records for pan-European inventory
Coverage
Eight verification signals in every response
Every API response includes the full set. No add-on modules, no partial plans on the Start tier.
Registration Status
Live status from national vehicle registries, including stolen flags and export markers.
Odometer Integrity
Statistical cross-validation against historical MOT and service records to detect rollbacks.
Ownership Count
Full registered keeper history including commercial and private ownership transitions.
Incident History
Structured incident records from insurance claims data and repair network integrations.
Total Loss Flag
Definitive total loss classification sourced from insurer write-off registers across Europe.
Outstanding Finance
Active finance checks against lender registers to identify encumbered vehicles before transfer.
Recall Status
Open and completed recall records from manufacturer and regulatory databases.
Residual Value Band
Market-adjusted residual value band for replacement cost estimation and reserve setting.
Early Access
Start verifying vehicles with one API call
GoodToKnow is accepting early API integrations. Apply for access and we will reach out to discuss sandbox credentials.