AB12 CDE
Jaguar XF 2.0d R-Sport
Private sale value
£18,500
What a private buyer would pay
CAP HPI · Mar 2026
Dealer retail
£20,200
Forecourt price at a dealer
CAP HPI · Mar 2026
Trade / part-exchange
£15,800
What a dealer would offer
CAP HPI · Mar 2026
Finance outstanding
−£8,200
PCP settlement figure
HPI check · 28 Mar 2026
£10,300
Net equity to the estate. Private sale value (£18,500) minus the finance still owed (£8,200). This is the figure that belongs to the estate — and the figure used for Inheritance Tax.
This car has PCP finance. Jaguar Financial Services legally owns it until the final payment is made, so the estate does not own the whole car — only the equity above. When the time comes the executor can pay the £8,200 settlement figure to keep it, hand the car back, or let the finance company recover it. Plain English: the car is worth £18,500, but £8,200 of that still belongs to the lender.
What this is ✓ DVLA VES
Looked up automatically from the registration. You did not have to type any of this.
Make & model
Jaguar XF 2.0d R-Sport DVLA
First registered
14 March 2019 DVLA
Colour
Grey DVLA
Fuel
Diesel, 1999cc DVLA
Tax status
Taxed — due Oct 2026 DVLA
Road tax band
£190 / year DVLA
MOT & service history ✓ DVSA
MOT status
Valid — expires 12 Sept 2026 DVSA
Current mileage
47,823 miles DVSA, last test
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13 Sept 2025 · MOTPass · 47,823 miles1 advisory: rear brake pads wearing thin — monitor. No work refused.
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June 2025 · ServiceFull service at Jaguar StratstoneOil, filters, brake fluid. Stamped service book retained in the glovebox.
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10 Sept 2024 · MOTPass · 39,110 milesNo advisories. Mileage consistent with normal use — no clocking concerns.
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8 Sept 2023 · MOTPass · 31,540 milesAdvisory: front tyres approaching limit (since replaced).
Valuation INHERIT comparables
£18,500 private sale value, valued 14 June 2026 from live forecourt & auction listings for the same model, year and mileage band.
XF 2.0d
2019 · 44k
2019 · 44k
£18,995
AutoTrader · Apr 2026
R-Sport, 44,200 mi, FSH
AT: 202304117
93%
XF 2.0d
2019 · 51k
2019 · 51k
£17,750
Motorway · Mar 2026
R-Sport, 51,000 mi, 1 owner
MW: SD-77214
90%
XF 2.0d
2018 · 48k
2018 · 48k
£17,200
Cinch · Feb 2026
Portfolio, 48,400 mi
CN: 8841203
84%
XF 3.0d
2019 · 46k
2019 · 46k
£21,400
eBay Motors · Mar 2026
300 Sport (larger engine)
eBay: 1947382055
64%
Links open in a new tab with the registration pre-filled. MFI never sells your details — these are for your own research.
Registration, finance & history check
Registered keeper
William J Richards You entered this
V5C reference
1234****901 You entered this
VIN
SAJBA4BN8KCY73421 You entered this
Finance
PCP — Jaguar Financial Services HPI
Settlement figure
£8,200 · final payment due Jan 2027
Stolen marker
Clear HPI
Write-off marker
Clear (never recorded) HPI
Plate / mileage changes
None — mileage consistent HPI
Where it is kept
Driveway, 23 Maple Drive You entered this
Spare keys
Kitchen drawer + 1 with Margaret You entered this
HPI check run 28 March 2026. We re-check the finance and theft markers each time you open this page.
For your executor INHERIT rules
Urgency after death: within 7 days — insurance lapses and the road tax needs a SORN or transfer. This list is here so your executor knows exactly what to do.
☐
Tell DVLA about the death
V5C + death certificate
☐
Tell the insurer (Direct Line)
Cover may continue 30 days
☐
Contact Jaguar Financial Services
Settle £8,200 or return the car
☐
Claim the road-tax refund
For the remaining full months
☐
Decide what happens to the car
Pass on, sell, scrap, or SORN
As INHERIT data open standard
Everything on this page is structured, portable data — not locked into MFI. This is what powers it.
| Feature | INHERIT source | What it does here |
|---|---|---|
| Vehicle identity | asset.vehicle.dvla → VES lookup by VRM | Fills make, model, colour, fuel and tax status from the registration |
| MOT & mileage | asset.vehicle.motHistory[] (DVSA) | Dated test results, advisories and mileage — flags any clocking |
| Valuation + comparables | valuation.json → comparables[] with matchScore | Live listings for the same model/year/mileage, each citing its source |
| Finance & equity | asset.finance.outstanding + netEquity | Subtracts the £8,200 settlement so only the £10,300 equity counts |
| Bequest | bequest.beneficiary + bequest.substitute | Who inherits the car, and who inherits if they cannot |
| IHT estate value | tax.iht.estateContribution (E&W) | Adds the £10,300 net equity (not the £18,500 value) to the estate total |
| CGT treatment | tax.cgt.wastingAssetExemption | Flags a private car as exempt — no CGT on a personal vehicle |
Valuation is an estimate based on comparable listings and is not a formal probate or sale valuation. Finance and history-check figures come from an HPI check on the date shown and may change. Tax figures are a guide computed against the INHERIT E&W Tax module and shown for planning only — they are not tax advice. We will never charge your card automatically.