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Petrol or diesel for a new Volkswagen Golf?

I am hoping to buy a new Volkswagen Golf, but I am not sure which of the three engines below to select:

1 - petrol 1.2 (110hp)

2 - petrol 1.4 (150hp)

3 - diesel 1.6 (110hp)

I am originally from Kerry, but living in Dublin. I cycle to work every day, so I would only use the car to go to the shops, the gym or meet friends during the week or the weekends. I go home to Kerry at least once or twice a month and I also go to Cork every now and then as I have family down there. So pretty much every second or third weekend I am on the motorway. Dublin - Kerry - Dublin is around 600km, and Dublin - Cork - Dublin is around 530km.

Would love your advice.

Bryan Walsh (Tralee)

Feb 2016 Filed under: choosing new car

Expert answer

Hi Bryan,

Go for the petrol 1.2 TSI. If most of your mileage is short hops then, even with a regular motorway run, you're not going to get the benefit from diesel. And a 1.2, driven with reasonable care, should get close to 50mpg on the motorway anyway. Plus, you'll save a good chunk of money at purchase time, which will easily outweigh any potential diesel fuel savings. 


I am looking for an automatic four-door.

I am looking for an automatic four-door, not too old, in the South Dublin area.

Stan Quinn (Dublin)

Feb 2016 Filed under: automatic

Expert answer

Hi Stan,

That's quite specific and we don't offer a car finding service I'm afraid, but we'd highly recommend spending some time refining searches on Carzone.ie.

Best of luck


I'd like a newer seven-seat people carrier.

Hi,

I have a 2002 3.3-litre petrol Chrysler Grand Voyager with 100k miles on the clock in great condition and never giving any trouble. But it costs €1,800 a year to tax and is not fuel efficient, though small mileage is done annually about town (Dublin). Am considering a newer seven-seater say 2008 with lower tax and better fuel consumption, but that brings possible depreciation costs. Maybe a smaller seven-seater.

Would welcome advice

Denis Gallagher (Dublin)

Jan 2016 Filed under: choosing used car

Expert answer

Hi Denis,

Best to stick with a Toyota Verso (neé Corolla Verso) or a Volkswagen Touran so - both have space for seven, and big boots if you leave the rear seats folded down. Both should be endlessly reliable too. Honda's FR-V also worth a look if six seats (in two rows of three) would work for you.


Can a sole trader claim back lease payments?

Hi

I need to buy a new or second hand car. I'm thinking of going the leasing route because I have been told that I can put it through our business, which is a sole trader business, as an expense and we can claim it all back against our income. Also, I'm told that, as we are sole traders, we are exempt from benefit in kind. It sounds to good to be true!

Look forward to your advice

Shane Cox (Moycullen Galway)

Dec 2015 Filed under: finance

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.


Are there 'DIY garages' in Dublin?

Are there any "DIY Garages" in Dublin that you can rent by the hour to service your own car ?

John Sullivan (Dublin)

Dec 2015 Filed under: servicing

Expert answer

Hi John,

There certainly are and I reckon a good trawl of Gumtree or Daft should turn up what you need.


I need to change my Audi A4 with room for three child seats.

Good morning.

I am changing a 2010 Audi A4 Avant TDI as I will not be able to put three car seats into it. Looking for a 2012/2013 recommendation that will take three full size car seats (preferably three Isofix points). Would prefer to avoid MPVs but if there is a strong recommendation for one would consider.

Thanks

Sinead (Dublin)

Sinead Skrba (Dublin)

Sep 2015 Filed under: child or baby seats

Expert answer

Hi Sinead,

Needing to fit three car seats but not wanting an MPV is a difficult juggling act. Normally I'd recommend something like a Ford S-Max, which ticks all your boxes and, while its an MPV right enough, it's an uncommonly sleek and good looking one. 

A good non-MPV option is the Opel Insignia Sports Tourer estate. Sleek and lovely to drive, it comes with the required three Isofix mounts and a big boot too for all the kiddy clutter. Easily as classy inside as your old Audi too.


Should I change my BMW's tyres to improve the steering?

Hi,

I recently traded in my 2001 BMW 318i for a 2011 BMW 318i. The main difference I discovered between the two models was the steering. The older car's steering was lighter and more responsive while the newer model feels that bit heavier. If I did not know better I would think I was driving a car with front-wheel drive. The car has Run Flat Tyres, and my question is, do you think its the tyres that is causing this experience and if so would it be worth my time to replace them?

Regards,

Hugh McGarr, Dublin

Hugh McGarr (Dublin)

Sep 2015 Filed under: tyres

Expert answer

Hi Hugh,

OK, first off - well done. You obviously have sensitive driving senses. Most people probably wouldn't have noticed. Secondly, BMW's steering has gotten noticeably heavier over the years - basically as a way of adding more "sporty feeling" (inverted commas author's own) to the car as less and less real road feel is transmitted. So it's partially built in to the design of the car.

As for changing the tyres. It might help - changing the tyre, especially if you change the brand of the tyre, can have an effect on steering effort and it's possible that a switch to low rolling resistance tyres may lighten the steering a bit. But it won't make an enormous difference, and I'd seriously advise you not to change from runflats to conventional tyres - the car was designed around runflats and you could be setting yourself up for an evening on a wet hard shoulder, with no spare wheel, if you swap out the runflats.


Which MPV will I replace our BMW 3 Series with?

Hi Shane & team,

We're looking at trading in again. You helped us source our last car four years ago. We really like our curent 2006 BMW 318, but for the last nine months to a year we've been pouring money into for what feels like constant repairs and the car tax is crippling too. We've now come to the realisation that we need to move to seven-seat territory for these and family reasons. Today we saw and drove both of these cars:

http://www.carzone.ie/used-cars/renault/grand-scenic/used-2010-renault-grand-scenic-1-dublin-fpa-200914374138165780 http://www.cbg.ie/citroen-c4-grand-picasso-1.6-2008-dublin-diesel-silver-mpv

The Renault felt more car like to drive and I wasn't wild about the delay in the Citroen semi-automatic gearbox. For the Renault they've said the cost to change is €6,500 and just under €7,000 for the Citroen. The Renault, being a 2010 model, is almost seems too good to be true. Can you give me any advice on these? Is the Renault a good buy? Is it reliable or will it swallow money on repairs as our current car is? Are there any others you would recommend? We really don't want to spend more than €6k-ish.

Thanks

Enda

Enda Lowry (Dublin)

Sep 2015 Filed under: choosing used car

Expert answer

Hi Enda,

I'd tread carefully here. If you don't like the semi-auto box on the Citroen then just let it go - it's not going to get any better and it'll bug you for the rest of your time with the car. 

As for the Renault, I'm just not confident predicting reliability. Generally, Renaults are now a lot better built than they used to be, but long-term they can still be a bit shaky. Also, the reason it's a high-spec 2010 model for such a small price is because Renaults depreciate faster than snow in summer. 

So, I think you might need to shop around a bit and buy something on the basis of reliability and condition rather than year. Have a look at the likes of a Ford S-Max, Toyota Verso, Volkswagen Touran or, if six seats rather than seven will do the trick, a Honda FR-V. You might need to go back to a 2008 or 2009 model to get one within budget, but buy with a full service history and keep the maintenance up and any of those should give you long and hopefully reliable service.

Last, but not least, Shane, our Editor, is in the same position as you right now and he has homed in on the Mazda5, which has an exceptional reliability record.


How much should I expect as a trade in for my 2005 Volkswagen Passat?

How much should I expect as a trade in for my 2005 Volkswagen Passat 1.6 petrol model with 45,000 miles?

Thanks,

Philip Grant, Dublin

Philip Grant (Dublin)

Aug 2015 Filed under: used car values

Expert answer

Hi Philip,

I'd say about €5,500.


What site is best to find a nearly new car?

I am in the market of a nearly new car. Is there any one website where I can be guaranteed to find all of the stock available at any one time from all of the various dealers as there are several websites that seem to filling the same role and don't want to have to keep checking them all.

Mike in Dublin

Mike Osullivan (Dublin)

Jul 2015 Filed under: choosing used car

Expert answer

Hi Mike,

Short answer? No. Most of the main dealers will have their cars advertised on Carzone.ie and beepbeep.ie so those are the main two to keep an eye on. Other than that, it's down to good old fashioned keeping your eyes out for what you want.