Expert answer

Hi Adrienne,

OK, let me take that section by section...

(A) Most small crossovers use 1.5- or 1.6-litre diesel engines so you're going to average between 40- and 50mpg in any of them. Ignore the official consumption figures - they're not representative of real-world driving.

(B) Standard spec on most will include at least air conditioning and probably Bluetooth, but the items you've listed will push prices up into the €25-30k region.

(C) Kia, Hyundai and Mitsubishi have the best warranties on the market at the moment - seven, five and eight years respectively. Ford, Renault and Peugeot all offer five-year warranties too, while Fiat offers a four-year one. Most others have three-year cover. In terms of reliability, Japanese and Korean brands will almost always beat their European and American competitors.

Of the cars you're looking at, I'd say the strongest contenders are Honda's new HR-V, the Jeep Renegade, the Peugeot 2008 and the Kia Soul. All well worth a look.

Relevant reviews:

Honda HR-V review

Jeep Renegade review

Peugeot 2008 review

Kia Soul review

Expert answer

Hi Martha,

It's a sad, but increasingly common story - Irish insurers are currently crushing owners of cars that are 10 years or older simply because, actuarially, they're more likely to be involved in an accident. I'm afraid that, unless more operators come into the Irish market to offer some competition, or unless the Government intervenes (which seems hugely unlikely) then there's very little that can be done. 

Expert answer

Hi Andrew,

Well, of the posh-badge brigade, my personal favourite is the Mercedes-Benz C-Class - it's supremely comfy, beautifully made and really satisfying to drive, but, to be honest, you couldn't go wrong with any of those cars, it really is down to personal taste.

Your other question is an interesting one though. If you can live without the posh badge, and aren't quite so worried about driving dynamics, then a Skoda Superb is pretty much unbeatable. Same mechanical make up as the Audi but far bigger and way better value. Try a Ford Mondeo or Mazda6 if you want something with a keen chassis or a Toyota Avensis if you never, ever want it to break.

Some relevant reviews for you:

Updated BMW 320d review

New Audi A4 2.0 TDI review

Jaguar XE review

Mercedes-Benz C-Class review

Volkswagen Passat Highline review

Skoda Superb review

Ford Mondeo review

Toyota Avensis review

Expert answer

Hi Nigel,

Two totally different cars so they're quite hard to compare. The B-Max is small but spacious, and those sliding side doors make it very handy in tight parking spaces, but it's slow and not much fun to drive. The Juke is far more striking to look at (perhaps even a bit ugly?) and more engaging to drive, but space in the back and boot is really quite poor.

Relevant reviews:

Ford B-Max review

Nissan Juke review

Expert answer

Hi Shane,

We enlisted the expert assistance of Conlan Crotty Murray & Co (Leopardstown, Dublin 18, 01 295 9090, www.conlancrottymurray.com) to answer this one for you. Here's the response:

"Generally speaking, leasing companies will only lease new cars.  On the basis that the individual decides to lease a new car then the rental payments under the lease agreement should be treated as an expense in the accounts of the self-employed individual.  As the lease period is usually three or four years this provides for a significantly accelerated write-off of cost for tax purposes as compared with the purchase of an owned vehicle where the tax write-off under the capital allowance regime is spread over eight years.  However, at the end of the lease period if the vehicle is traded in against a new vehicle the trade in allowance on the first leased car may trigger a claw-back of lease charges previously deducted for tax purposes. 

To the extent that the individual uses the car for private use in addition to business use then an appropriate restriction on the tax deductibility of the leasing charges should be applied. E.g. if the car is used 40 per cent for private use, then 40 per cent of the lease payments should be disallowed as an expense in computing income for tax purposes.  The benefit-in-kind provisions referred to by the reader do not apply to self-employed individuals.  The benefit-in-kind rules would apply to the extent that a leased car is provided by an employer to an employee in computing the employee's payroll tax liability.  There is no private use restriction on the tax deductibility of leasing expenses for a car where the car is supplied to an employee and that employee uses the car for private purposes.

Some of the annual lease rental expense may be clawed back in the computation of income for tax purposes if the car has a retail value at inception of the lease of more than €24,000 and the CO₂ emissions from the car do not exceed 155g/km.  If the car has CO₂ emissions of more than 155g/km, but not exceeding 190g/km, the value of the expense deduction for income tax purposes is restricted by reference to a reduced capital limit of €12,000.  Where the CO₂ emissions on a car exceed 190g/km, no deduction for leasing costs is permitted in calculating the individual's income tax liability for the year.

Therefore, for new leased cars costing no more than €24,000 with CO₂ emissions not exceeding 155g/km the lease payments may be written-off against income tax over the course of the lease period.  

We recommend that professional advice be sought before entering into any lease arrangement."

I hope that clears it all up for you Shane.

Expert answer

Hi Joanne,

The RAV4 is most definitely worth the price, and it's one of the best cars Toyota currently makes - spacious, reliable and not at all bad to drive. Worth looking at the Nissan Qashqai and Renault Kadjar too, as well as the Skoda Yeti and Mazda CX-5. You won't go wrong with any of those choices, but given your high mileage take a very close look at the Renault and the Nissan - they'll be the most economical overall.

Relevant reviews:

Toyota RAV4 review

Nissan Qashqai review

Renault Kadjar review

Skoda Yeti review

Mazda CX-5 review

Expert answer

Hi F D,

We'd recommend readers change their cars' oil and filter at least once a year regardless of mileage. Short hops are actually tougher on the engine (and its oil) as it does a lot of its driving when not fully warmed up.

Expert answer

Hi James,

The secret is not to worry about the mileage, especially on a car as inherently reliable as an Avensis. Simply buy the one that is in the best condition, has been cared for the best and which comes with a full and complete service history. If both cars are identical in those respects, then simply buy the one your prefer.

Expert answer

Hi Anne,

Most MPVs will, so Citroen C4 Picasso, Renault Scenic, Ford C-Max, Peugeot 5008, Kia Carens and so on. The bigger ones too, of course, such as the Ford S-Max and Galaxy and the SEAT Alhambra. If you want something sleeker, such as a saloon, estate or SUV then it comes down to how bulky the child car seats are. Rule of thumb is to always bring the seats (and preferably the kids, even though I know how awkward that is) on a test drive to make sure that they'll all fit in comfortably.

Expert answer

Hi James,

Well, the rule says that when a vehicle is imported it must be booked for an NCT inspection and VRT valuation within seven days of its arrival in the state. The process of registration and payment must then be completed within 30 days of arrival.

Now, it's just possible that there may be a a valid reason why this car hasn't been registered, or it may have been declared off the road at the time of entry. I think you need to get on to your local tax office and ask for help with this though as there could well be a fine in the offing, never mind a surcharge.