MFI — Vehicle detail · a car with outstanding finance (richer v4)
Springboard: ../public/57-vehicle.html (DVLA / MOT / HPI / finance / estate-admin checklist). Richer: DVLA VES identity, MOT history + advisories, mileage, multi-source valuation + comparables + instant-offer links, HP/PCP finance with settlement & net equity, insurance/MID link, V5C + VIN + keeper, bequest + substitute, "as INHERIT data" — all preserved & enriched; chattel tax layer added lightly + honestly (net equity counts for IHT; no CGT on a private car).

AB12 CDE

Jaguar XF 2.0d R-Sport

2019 · Grey Diesel · 1999cc ✓ Taxed ✓ MOT valid ⚠ Finance outstanding

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

13 Sept 2025 · MOT

Pass · 47,823 miles

1 advisory: rear brake pads wearing thin — monitor. No work refused.
June 2025 · Service

Full service at Jaguar Stratstone

Oil, filters, brake fluid. Stamped service book retained in the glovebox.
10 Sept 2024 · MOT

Pass · 39,110 miles

No advisories. Mileage consistent with normal use — no clocking concerns.
8 Sept 2023 · MOT

Pass · 31,540 miles

Advisory: 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

£18,995

AutoTrader · Apr 2026

R-Sport, 44,200 mi, FSH

AT: 202304117

93%

XF 2.0d
2019 · 51k

£17,750

Motorway · Mar 2026

R-Sport, 51,000 mi, 1 owner

MW: SD-77214

90%

XF 2.0d
2018 · 48k

£17,200

Cinch · Feb 2026

Portfolio, 48,400 mi

CN: 8841203

84%

XF 3.0d
2019 · 46k

£21,400

eBay Motors · Mar 2026

300 Sport (larger engine)

eBay: 1947382055

64%

These are recent sales of similar cars, used only to estimate value. If the car is sold, your executor can sell it any way they choose. MyFamilyInherits takes no commission and no referral fee on any sale.

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

Who this is left to

Daniel Richards

Son

✓ Specific gift in your will

The car passes subject to its finance — Daniel inherits it only if the £8,200 is settled, otherwise the executor decides. If Daniel cannot inherit, it passes to Margaret Richards (wife). You can change this at any time.

Insurance

On the road (MID)✓ Insured

ProviderDirect Line

PolicyDL-2025-773921

RenewsApril 2026

This car & tax

Counts toward your estate+ £10,300

(net equity, not the £18,500 value)−£8,200 finance

Capital Gains Tax on deathNone

Inheritance Tax: a car is part of your estate, but because there is finance owing, only the £10,300 you actually own is included in the IHT total — not the full £18,500.

Capital Gains Tax: a private car is a "wasting asset" (it loses value over time) and a personal possession, so there is no CGT to pay on it when it passes on death. Plain English — you do not need to do anything here.

Computed against INHERIT · E&W Tax · reviewed: Stable

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.

Built on INHERIT v2

This demo is built on INHERIT v2 — an open standard for describing an estate. We show you honestly which parts of this screen the standard can hold today, which are planned, and which are still gaps.

Supported now1 entriesThe standard already has a place for this today.
Supported now · shared core0 entriesSupported by the part of the standard shared across our brands.
Planned2 entriesA change proposal covers this. Where we can check the standard’s own record, we show its status.
Gap — needs planning0 entriesOn the screen, but no change proposal covers it yet. These still need planning.
Not a standard concept0 entriesPage furniture, or something we decided the standard should not hold.

3 traced entries on this screen, from two overlapping traces

Each entry comes from either the screen’s feature list or the data the screen displays. The two traces overlap, so one feature can appear twice: these are entries, not a count of distinct features.

PlannedDVLA / MOT / HPI identity facets
ICP-0054 Asset-side external-registry enrichment
traced from the data this screen displays
PlannedNet equity to the estate (valuation minus finance settlement)
ICP-0054 Asset-side external-registry enrichment
traced from the data this screen displays
Supported nowvehicle.asset
In the standard as: Assets · Asset
traced from the screen’s feature list

The 30 change proposals this demo relies on

A change proposal (ICP) is a tracked request to extend the standard. These are the ones behind the “Planned” features across all 32 screens — and the few already adopted and built. Where the standard has a written proposal we show its status from the standard’s own record; where it does not, we say so rather than guess.

ICP-0001 · TT-657 — Port v1 consumer-estate surface into v2 (approved in the standard)
ICP-0002 · TT-658 — IHT 36% reduced charity rate (approved in the standard)
ICP-0006 · TT-663 — Marketplace & dealer model (tracked; no written proposal yet)
ICP-0007 · TT-664 — Valuation lifecycle enrichment (tracked; no written proposal yet)
ICP-0008 · TT-665 — Delegation, stewardship & marketplace integrity (tracked; no written proposal yet)
ICP-0013 · TT-672 — Condition grading (tracked; no written proposal yet)
ICP-0014 · TT-673 — Collector records bundle (tracked; no written proposal yet)
ICP-0015 · TT-674 — Legal-assurance model (pending in the standard)
ICP-0016 · TT-681 — Professional engagement & marketplace data model (approved in the standard)
ICP-0019 · TT-684 — Executor / personal-representative appointment & powers model (pending in the standard)
ICP-0020 · TT-685 — Distribution-logic primitives: survivorship, age-contingent, abatement, cy-près (pending in the standard)
ICP-0021 · TT-686 — Wishes, directives & plan-assessment primitives (pending in the standard)
ICP-0022 · TT-1029 — Post-death estate-administration & will-lifecycle domain (pending in the standard)
ICP-0024 · TT-1031 — Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
ICP-0026 · TT-1033 — Free-text→structured multi-entity extraction (pending in the standard)
ICP-0027 · TT-1034 — Living-Monitoring change-event model (pending in the standard)
ICP-0028 · TT-1040 — Couple / mirror-vs-mutual wills modelling (pending in the standard)
ICP-0029 · TT-1068 — Insurance-cover model (pending in the standard)
ICP-0030 · TT-1069 — Catalogue item-import adapter (pending in the standard)
ICP-0033 · TT-1131 — Executor pre-death readiness facet (tracked; no written proposal yet)
ICP-0034 · TT-1132 — E&W IHT spouse exemption (tracked; no written proposal yet)
ICP-0044 · TT-1143 — Steward/authority-grant remuneration facet + paid-helper undue-influence safeguard (tracked; no written proposal yet)
ICP-0045 · TT-1014 — general Media/attachment primitive (tracked; no written proposal yet)
ICP-0046 · TT-1144 — Multi-opinion / consensus valuation shape (tracked; no written proposal yet)
ICP-0047 · TT-1145 — Compute faith fixed-shares (tracked; no written proposal yet)
ICP-0052 · TT-1172 — Funeral & farewell domain (tracked; no written proposal yet)
ICP-0054 · TT-1174 — Asset-side external-registry enrichment (tracked; no written proposal yet)
ICP-0055 · TT-1175 — Asset enrichment facets: maker/external-id (tracked; no written proposal yet)
ICP-0061 · TT-687 — Heir collaboration & asset-claim resolution (tracked; no written proposal yet)
ICP-0062 · TT-688 — Collections & asset disposition (tracked; no written proposal yet)

Checked against a pinned copy of the standard’s change-proposal register (69 proposals, standard at main@f63ca72e116d), and against the standard’s own record of what it has adopted (24 written proposals, 66 computed rules). Sample estate — demo data, no sign-up.