Expert answer

Hi P J,

The current model Nissan Qashqai, introduced at the beginning of 2014, is a really cracking choice - well made, frugal and nice to drive. Go for the 1.5 diesel if you do big miles, or the 1.2 petrol turbo if you're mostly doing short hops around town.  As for your Octavia, I'd say you could expect to get around €5,000 as a trade in, depending on the dealer and your car's condition and history.

Finance or cash? Easy: if you can afford to pay cash, do it. You'll be able to argue yourself a decent discount up front and you won't be paying any interest. As for finance, PCP offers are tempting and very good value, but they kind of rely on you coming back in three years' time for another car. If that's not your plan, then a personal Credit Union or bank loan could actually work out better value overall. If you have a financial advisor they can give you more detailed advice than I, and check out the CompleteCar.ie Guide to Car Finance for more information.

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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. 

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Hi Terry,

They're very solid but you do need to keep an eye on a few areas. The rear suspension can be troublesome so listen for clonks or knocks. Check the front carpets for dampness from a leaking windscreen. Interior trim and electrics can be fragile while the clutch can give problems, but usually smells strongly before it goes.

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Hi John,

Your Focus is probably going to be worth about €17,000 as a trade in, maybe a little less. New Focus prices start from €20,295.

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Hi Aaron,

I'd tread very carefully. Although the engines in the Megane II are pretty robust, any and all of its electrical and electronic systems are suspect to say the least, and the suspension is prone to failure too. Only buy if it has a seriously flawless service history and appears to be in perfect condition - and even then I'd be wary.

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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 Pedro,

Do you mean eligible for a 'scrappage' scheme discount? No, I'm afraid not - you can only get those if you're buying a new car.

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 Pat,

Really good car. Not the most exciting thing in the world perhaps but frugal, spacious and reliable. Our review of the 2012 Hyundai i30 gives you a good idea of what to expect, though the 2016 version has been upgraded a little.

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Hi Michael,

None. If you’re importing a car from the UK that is older than six months old, the VAT is considered as paid and you only need to deal with the VRT charge.