Claims handler · Counter-fraud

Cross-reference any claim against the DVLA record in seconds.

Fraudulent motor claims often contain small but verifiable discrepancies — a colour that doesn't match, a MOT that had already lapsed at the date of the incident, or a mileage that contradicts the DVSA record. These take time to catch manually. Zyfy returns make, model, colour, MOT status, and DVSA-derived MOT intelligence for any registration in a single structured call — so handlers can verify against the claim before the file moves forward.

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Relevant signals

These fields are returned on every response and are ready to wire into your application logic.

Signal	Relevance	What it tells you
make	Critical	Vehicle make from DVLA. Cross-reference against the make declared on the claim form. A mismatch is an immediate flag for further review.
model	Critical	Vehicle model from DVLA. Combined with make, this establishes whether the vehicle described in the claim matches the DVLA record for that registration.
colour	Critical	Registered colour from DVLA. Frequently mis-stated on claims, either through genuine error or deliberate misrepresentation. One field to check.
signals.motStatus	High	MOT validity at time of query. If the vehicle had no valid MOT at the incident date, that is material information for the claim file.
signals.odometerTrend	High	Returns "possible_clocking" if mileage readings contradict each other. A clocked vehicle may have a fraudulent value claim built around inflated mileage.
signals.lastMotDate	High	Date of the most recent MOT test. Cross-reference against the claim date to establish the MOT status at the time of the incident.
signals.latestOdometerMiles	Medium	Most recent recorded odometer reading from DVSA. Compare against declared mileage on the claim form to surface discrepancies.
summary.colourChangeIndicated	Medium	true when the colour on the current V5C (DVLA) differs from the colour recorded at the last MOT (DVSA). A discrepancy between two authoritative sources — without any claim involvement — flags potential identity fraud on the vehicle.

Live example

A real-world request and the response it returns.

Request

curl https://zyfy.uk/v1/vehicle/AB12CDE \
  -H "X-API-Key: your_api_key"

Response

{
  "registration": "AB12CDE",
  "make": "BMW",
  "model": "5 SERIES",
  "colour": "BLACK",
  "fuelType": "petrol",
  "engineCapacityCc": 1998,
  "yearOfManufacture": 2019,
  "vehicleAgeYears": 6,
  "monthOfFirstRegistration": "2019-09",
  "summary": {
    "buyRecommendation": "good",
    "vehicleRiskLevel": "low",
    "motRiskLevel": "low"
  },
  "signals": {
    "euroEmissionStandard": "EURO 6",
    "ulezCompliant": true,
    "taxStatus": "taxed",
    "taxDueDate": "2026-10-01",
    "motStatus": "valid",
    "motExpiryDate": "2026-09-17",
    "odometerTrend": "consistent",
    "latestOdometerMiles": 42110,
    "motPassRate": 1.0,
    "totalMotTests": 6,
    "totalMotFailures": 0,
    "lastMotDate": "2025-11-03",
    "lastMotResult": "passed"
  },
  "enrichmentPending": false
}

Example data is illustrative only. Responses shown include a subset of signals for clarity — the full response contains additional fields. See the signal reference for the complete list.

What you get

✓
Verify vehicle details without a manual DVLA check — Make, model, and colour from DVLA are returned in the same call as MOT history. No portal login. No screen scraping. Structured fields that map directly onto your claims form.
✓
MOT status at claim date is verifiable — signals.lastMotDate and signals.lastMotResult tell you when the most recent test was and whether it passed. If the MOT had lapsed or failed at the incident date, that context is visible in the response.
✓
Mileage discrepancies surface automatically — odometer_trend: "possible_clocking" combined with the odometer readings nearest the claim date gives handlers a data-backed discrepancy to raise — not a gut feeling.
✓
Integrates into existing claims workflows — One REST call per registration. Add it as a pre-triage step in your claims management system. Flag high-risk files for human review before assigning to a handler.

Verify vehicle details against the claim before the file moves.

Free tier includes 100 requests per month. No credit card, no sales call.

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