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I want to insure my three classic cars...

Hi,

I want to insure my three classic cars: a 1989 Mercedes-Benz 190e 2.0-litre petrol, a 1994 BMW 520 2.0-litre petrol and a 1996 Peugeot 306 XAD van, a 1.9 diesel. Can you tell me the best insurance company to try (not a broker) and also if you could give me a value on the three cars?

Regards

Thomas

Thomas Ryan (Dublin 12)

Mar 2016 Filed under: insurance

Expert answer

Hi Thomas,

Well, for a start, you're not going to be able to insure any of the three as classics, as none has passed the 30-year mark yet. If your intention is to use them for 'classic-style' driving (only bringing them out for events or days out etc.) then you might be able to get a limited mileage policy that will reduce your costs a bit.

The next problem is that Irish insurers are conducting something of a war against cars of that sort of age – they reckon that older cars are at higher risk of claims so the premiums are being loaded out of all proportion. Most of the major insurers will do a multi-car policy, but with their ages I think you might struggle to find an affordable quote.

As for value, if they're all in exceptional condition then I'd say the Mercedes and BMW could be worth as much as €5-7,000 each (they really would have to be exceptional though) and the Peugeot van probably about €3,000 (again – if in exceptional condition).

I reckon on the insurance front, you may just have to abandon your dislike for brokers...


Where can I make a complaint?

Where can I make a complaint against auto mechanics in Ireland please?

Kamal Lamid (Limerick )

Mar 2016 Filed under: miscellaneous

Expert answer

Hi Kamal,

Right, first off, have you exhausted all options when it comes to getting the mechanic or garage in question to deal with the issue? Have you complained, in copied writing, to them? Have they replied?

If they've tried to fob you off, then you need to remind them that all work carried out is covered by the Sale of Goods and Supply of Services Act, 1980, which states that all work carried out must be of merchantable quality – in other words, that the work should have fixed whatever problem you had, and if not then a refund or another repair should have been offered.

If all that's been done and you've still got nowhere, then you have two options. If the mechanic in question is registered with the Society of the Irish Motor Indsutry (SIMI) then you can complain to that body. Its contact details and complaints procedure are here: http://www.simi.ie/Consumer+Information/Consumer+Services/Contact+Complaints+Service.html

If the mechanic is not SIMI-registered, or if you get no satisfaction from that process, then you're best off going to the Competition and Consumer Protection Commission, who can be contacted here: http://www.consumerhelp.ie/

Best of luck - and let us know how you get on


Should I buy a Freelander in UK or Ireland?

Hello,

I am a German living in Scotland and would like to buy a Land Rover Freelander 2 because I had a little windfall. The thing is that the money is in a German account, in Euros and I don't want to lose money due to currency conversion. That's when I got the idea to buy in Ireland, where the steering wheel is also on the right but the currency is Euros.

Do you see a problem with that? Can I bring a car over to the UK and register it? Am I really saving money or is it cheaper to buy in Scotland?

Maike Neuhaus (Edinburgh)

Mar 2016 Filed under: importing

Expert answer

Hi Maike,

The process of importing a car into the UK is a lot easier and cheaper than it is in Ireland. If the car is quite old you probably won't have to pay any import fees on it in fact, you'll just have to get it MOT'ed and pay a small fee for the new registration.

But, buying the car in Ireland will represent much worse value than buying in the UK. Not only will you find fewer cars to choose from (the Freelander was always a much bigger seller in the UK than in Ireland),  but the Irish cars will probably be more expensive. I think you would be better off transferring your money to Sterling (using a low-cost service such as Transferwise) and shopping in the UK.


How much to tax a Lexus GS 450h hybrid?

What is the annual road tax on the 2006 Lexus GS 450h? Is it based on CO2 or engine size? Do you get any benefit from the fact that it's hybrid?

William Grogan (Cork)

Mar 2016 Filed under: taxation

Expert answer

Hi William,

Unfortunately not - all cars registered before Jan 1st 2008 are on the old engine capacity system so with a 3.5-litre engine you'll have to pay €1,808 a year in motor tax. 


When does a car become exempt from tax?

When does a car become exempt from motor tax?

Patrick Mcnally (Mayo)

Mar 2016 Filed under: classic cars

Expert answer

Hi Patrick,

There’s no such thing as a total exemption from motor tax, but when a car is 30 years old or older, it becomes eligible for (the slightly erroneously named) Vintage Tax, which is a flat rate of €56 a year.


Will my car pass its NCT without rear wiper?

My rear wiper arm broke off and my car is due to its NCT. Somebody told me it will still pass its test without it. Is this true?

Patrick Mcnally (Mayo)

Feb 2016 Filed under: NCT

Expert answer

Hi Patrick, 

It should pass without a problem. The NCT manual has a section on wipers for the front window only.


How much VRT to pay on a £595 car?

What is the amount of VRT I would have to pay buying a car from the North of Ireland worth £595?

Paul Darc (Dublin)

Feb 2016 Filed under: importing

Expert answer

Hi Paul,

It depends on the car and its CO2 emissions. VRT is calculated on the basis of emissions starting at 14 per cent of the Open Market Selling Price (OMSP - or what Revenue calculates the car would sell for in Ireland) and topping out at 36 per cent. 

That said, if the car is only costing you £595, the VRT isn't going to be very much regardless.


If a car has been off the road, is tax due?

My daughter has a SsangYong Rexton she has not been using, but did not declare it off the road. There is no road tax on it for about two years. She would like to sell the car. Would she be liable for the tax?

Wendy Quirke (Cork)

Feb 2016 Filed under: taxation

Expert answer

Hi Wendy,

Um, I'm afraid you're into a bit of bother here. Since 2013 if a car is going to be taken off the road, you have to declare it in advance with a form available at all Garda stations. Failure to do so is quite a serious offence, and 'forgetting' won't be accepted as an excuse. 

Generally failing to display a tax disc comes with a €60 on the spot fine. Failure to make payment of road tax means you'll have to pay the back tax, plus a 10 per cent surcharge, plus the cost of another three months' tax on top. Furthermore, if it's decided that you deliberately failed to pay the tax on the car, you or your daughter could be liable for a €4,000 fine or even a custodial sentence. 

I hope you've got a good solicitor...


Do early Ford Kas rust?

True or false that the pre-2010 Ford Ka's metal is very prone to rusting?

Catherine Dalton (Dublin)

Feb 2016 Filed under: choosing used car

Expert answer

Hi Catherine,

The 2008-onward Ka model, which shared a chassis and engines with the Fiat 500 and is built in Fiat's factory in Poland, should be rust free - the cars are well treated for rust when being built and offered with a lengthy anti-perforation warranty. If you come across a rusty one, chances are it's had accident damage, which has left bare metal exposed.

The older, 1997 to 2008 Ka is a different story - they rust like old soup cans, and it's hard to find one that hasn't succumbed somewhere to tin-worm. Don't buy one without a thorough investigation underneath.


Differences between the Audi A3 models?

What are the differences between an Audi A3 SE and an Audi A3 Sport, year 2012?

Alison Mccarter (Londonderry)

Feb 2016 Filed under: optional extras

Expert answer

Hi Alison,

Audi has never had a 'Sport' trim on the current A3, so I suspect if you've seen one advertised it's the seller getting confused and mis-labelling the S line trim. Over and above standard specification, the SE trim adds 16-inch alloy wheels, nicer seat trim, front fog lights, rear floor mats, aluminium interior trim, a front centre armrest, extra map lights, cruise control, rear parking sensors, a colour display for the trip computer and an iPod connector.

S line gives you Xenon headlamps with LED running lights and LED rear lights, 18-inch alloys, black cloth headlining, Audi Drive Select (which means you can toggle between Sport, Normal, Comfort and Eco modes), a three-spoke flat-bottomed steering wheel, sportier exterior body kit, bucket seats, S line logos everywhere and lower, firmer S line suspension.


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