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When to change my SEAT's timing belt?

What mileage should I change the timing belt on my SEAT Ibiza 1.6 TDI Sport?

Ann Regan (Ballyhaunis)

Jan 2016 Filed under: servicing

Expert answer

Hi Ann,

We asked SEAT Ireland about this and here was the response:

"Obviously we cannot be exact without specific vehicle information, but based on our market knowledge the vehicle is most likely from model year 2010 onwards. If this is the case then it would require a timing belt change every 210,000km or five years. If the customer presents any of our dealers with the actual VIN they can quote accurately with the cost of the replacement.

As I said the above information is subject to change depending on verification of the exact model variant Vehicle Identification Number (VIN)."

Hope that's of help


Is a PCP right for me in retirement?

I'm approaching 66 and recently had to retire. My state pension will be around €230 when it comes in March plus a small work pension of €57 a week. My car, an Audi A2, is a 2001 reg. It's showing signs of age and as it's an obsolete model services are expensive. I would have 3,000 maybe 3,500 Euros to put towards an upgrade. Can you advise me as to whether I should opt for a new car and a repayment plan or get a second-hand one?

Angela O'Sullivan

Angela O'Sullivan (Waterville)

Jan 2016 Filed under: finance

Expert answer

Hi Angela,

I think a PCP plan would be entirely wrong for you, because they really only work if you're intending to come back in three years' time to trade in again. I'm guessing you don't want to do that.

Your Audi is worth about €2,000 so put that together with your €3,000 and we're looking at a budget of around €5,000. That's great because that will get you into a 2007 Honda Jazz - one of the best small cars around. It's spacious, comfortable, frugal and above all reliable. You simply can't go wrong with one.

Another good choice is the Suzuki Swift. Your budget should get you a 2008 or 2009 model. It's not as roomy as the Jazz, but hugely reliable and lots of fun to drive. One thing though - beware of insurance. Irish insurers are being, right now (and please forgive the language) a shower of bastards when it comes to insuring cars of ten years old or older. Make sure you have a good insurance broker on hand for 2017 or 2018 when you have to renew...


What will I replace my Kia Soul with?

I had a 1998 Honda CRV auto. I changed it in 2014 as it was costing so much to run. To this day I still pine for my Honda. Its reliability was incredible. I got a Kia Soul diesel 1.6 but find it noisy and bumpy on country roads. Also, the boot is too small for country living. Everything I look at is too big and bulky. I want something in a similar size to my Honda, diesel, 1.6 engine, automatic with low tax. I need height as I have bad back issues.

Many thanks. Margaret

Margaret Devereux (Louisburgh, County Mayo)

Jan 2016 Filed under: choosing new car

Expert answer

Hi Margaret,

I know what you mean. The Honda bug is a hard one to shift once it's bitten you. The good news is that Honda has a new car on the market, the HR-V, which is more compact than a CR-V, but still pretty spacious. It's high-riding, so good for your back, and can be had with Honda's terrific 1.6-litre i-DTEC diesel engine. Looks nice too. Prices start from €23,995 or on a PCP deal from €255 a month and I'd say it's well worth checking out.

Read our Honda HR-V review here


Hybrid and electric cars are not the future...

This is not really a question, just a comment. I just don't understand all this hype about electric and hybrid cars. I live in an apartment, probably way more than half the world lives in apartments or cities where recharging is not feasible. It doesn't look like the future to me.

Cheers

Philip Donegan (Ballina)

Jan 2016 Filed under: hybrid

Expert answer

Hi Philip,

A very, very good point. However, I disagree with you on your broader 'hype about electric cars' comment - the only way we're going to be able to keep motoring, to keep some sort of private, personal transport going, is with electric cars. Now, whether that's with just batteries, or whether that's with hydrogen power or something else that hasn't yet been thought of, I don't know. But the days of digging up Jurassic forests in liquid form and burning them in engines is coming to a rapid close - it's not just about CO2 and global climate change anymore either; the Volkswagen scandal has shown that we've been slowly and insidiously poisoning ourselves with other gases from car engines too. Some 1,200 people in Ireland this year will die from respiratory illness brought on by pollution, a major multiple of those who will be killed in road accidents.

Your apartment point is well made though, and shows just what a period of transition we are currently in. A huge investment is needed to create an environment where electric vehicles can work simply and sensibly, and for all the efforts put in recently to install charging points and fast chargers, it's not nearly enough. Governments and energy companies, and the car makers too, will all have a major role to play in this, but it's just that no-one's playing enough of a role just yet.


I can't get insurance on my old Honda!

Hi,

Is it legal to increase the price of an insurance premium times five? I was paying €400 last year (seven years NCB plus for 55 per cent discount) for a 1999 Honda Accord. I've got letter from my current insurer (AIG), with a new quote for €1,998. When I rang them, they told me the reason was that my car is too old! Car passing NCT every year, no problems whatsoever, no convictions either. Another two broker companies and three individual insurers have declined me for the same reason.

Any ideas?

Joe Black (Dublin 18)

Jan 2016 Filed under: insurance

Expert answer

Hi Joe,

This is a serious issue at the moment and the Government is, typically, sitting on its hands over the matter. Insurers, beginning with Aviva, decided last year that, actuarially speaking, ten-year-old cars and their drivers were at higher risk of accident than average, and so decided to either (a) refuse to quote altogether, or (b) issue massive quotes that were effectively the same thing. Frankly, it's a scandal and of course, insurance being something of a cabal industry at the best of times, the other major firms are following suit. Sorry - that isn't actually of any practical help to you, but it's the facts of the matter.

The best suggestion I can offer is to find a really good local insurance broker and see if they can help you find a solution. Please do let us know how you get on.


Is it worth looking at the Jaguar X-Type?

I'm looking at an X-Type Jaguar, around 2008 or 2009. Are they worth looking at? Or should I look at a Mondeo or Passat?

Hugh Fleming (Wicklow)

Jan 2016 Filed under: choosing used car

Expert answer

Hi Hugh,

Well, a Mondeo or Passat would be a more sensible choice - more around to choose from and slightly cheaper running costs. And that's the Achilles' heel of the X-Type - running costs. While the diesels are reasonably frugal, and in general it's a well-made and reliable car (after some serious horrors on early-build examples back in 2001 and 2002), the X-Type can be expensive to fix if and when it does go wrong, and don't go assuming that because it's based on a MkIII Mondeo that you can use more affordable Mondeo bits; there's still a lot of bespoke Jag in there.

Still, it's a lovely car to drive, and the 2008 facelift (new grille, slightly squarer looks) made it much more stylish. Shop around carefully, don't buy anything that doesn't have a full service history and check for any noises coming from either the transmission or the suspension.


Toyota Avensis Tourer or Mazda6 Estate?

2011 Toyota Avensis Estate vs 2011 Mazda6 Estate: what is your valued opinion here?

John Walsh (Wexford)

Jan 2016 Filed under: choosing used car

Expert answer

Hi John,

Both excellent - spacious, reliable, comfortable and reasonably frugal if you go for the diesels. The Avensis will be more economical overall, but the Mazda is much more enjoyable to drive and better equipped as standard. Head says Avensis, heart says Mazda.


Toyota Corolla or Skoda Octavia?

Thinking about buying a 2008 Toyota Corolla or Skoda Octavia, similar mileage, 1.4 petrol. Thoughts?

Brendan Toohey (Drogheda )

Jan 2016 Filed under: choosing used car

Expert answer

Hi Brendan,

Both decent cars. Go with the Corolla if reliability is your overriding priority (although the Skoda's hardly fragile or anything) and go with the Skoda if space and a big boot are your priorities.


Do I tell people about my in-car camera?

Do you have to advertise an in-car camera recording inside the vehicle?

Francis Keogh (Bray)

Jan 2016 Filed under: miscellaneous

Expert answer

Hi Francis,

If it's a private vehicle then, technically, no - it's your car and you can do what you want with it, but it might be at least morally correct to let anyone who's being recorded know what's going on. And if you intend using the videos for any kind of commercial project then, yes, you must get written clearance from people before you're allowed to use their image in the public domain for profit. 

If it's a company car or a taxi then it may in part depend on the terms and conditions of your employment and it would be a good idea to seek legal advice first.


I'm thinking of changing to a Skoda Octavia.

Hi,

I'm seriously considering changing to a Skoda Octavia, but I am undecided whether to get brand new or a second hand example up to three years' old. The 0% APR finance offer is obviously very tempting on a new car, but I'm just wondering if you think there's value in the second hand market? How does the Octavia's depreciation rate compare in the first two years with two to five years?

I'm also a bit puzzled by the different specifications that have been available since 2013. Can you give any clarity on this? It looks like in 2013 they were offering Ambition, Exclusive and Elegance, but it's now Active, Ambition and Style. Which ones were/are the better equipped models?

Thanks.

Gerry Connolly (Skerries, Dublin)

Jan 2016 Filed under: choosing new car

Expert answer

Hi Gerry,

I think it's well worth considering a new Octavia, not least because the PCP rates are very tempting and it insulates you from any depreciation (which is pretty mild on an Octavia at any rate - it should retain at least 50 per cent value after three years). Used ones are good too, of course, but it's tempting to have that shiny new one with a full three-year warranty.

As for trims, well spotted - Skoda did indeed shuffle around its trim levels so that Ambition, which used to be the lowest spec, is now actually a well-equipped mid-range. It's worth going for as it comes with items like nice alloy wheels, a 5.8-inch touch screen for the stereo, multi-function steering wheel and Bluetooth.

Read our Skoda Octavia L&K review here