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How much is my BMW 520d worth?

Hi. I have a 2008 BMW 520d Business Edition with a leather interior and 75,000 miles on the clock in immaculate condition. I am looking at maybe trading it in for one-year old 320d saloon with similar specs for around €21,000 or €22,000. How much do you think that I could get as a trade-in?

Thanks very much for replying to those at the mercy of unscrupulous car sellers. As a rule how do we know how much a trade-in is worth?

Jean Marchand (Duns)

Jan 2014 Filed under: used car values

Expert answer

Hi Jean,

Tricky to say, I'm afraid, as the trade-in value offered by a dealer has as much to do with their business model and circumstances as it does with any intrinsic value in the car. It also of course depends on the car you're trading it in for. If it's something that's sticking to their forecourt, they'll be more keen to offer you a good deal to get shot of it. Values for a 5 Series like yours seem to vary from around €27,000 at the high end to low-twenties for higher-mileage models. You can knock off around €1,500 - €2,000 from that for the dealer to build in a margin and defray any costs of preparing the car for sale, so your trade-in should range from around €20,000 to €25,000, but that's a best guess and nothing more.

Try and have a ring around (or better yet, a drive around if you have the time) to various dealers and try and get them to give you a rough idea of what they'd give you for the car.

Do let us know how you get on,


What should I look out for when buying a 2009 Opel Insignia?

What should I look out for when buying a 2009 Opel Insignia?

Anne Kelly (Kildare)

Jan 2014 Filed under: reliability

Expert answer

Hi Anne,

Electrics mostly - everything from the electric windows to the alarm system can give trouble, but also check in the boot for water getting in as the boot seals can be a bit dodgy on early models.


What's the deal with insuring a car on HP finance?

I was talking to a friend of mine the other day and were talking about the way that some of the car loans / financing deals that some of the manufacturers do. Some of them are HP so that means that you won't own the car until you've made the last payment, how does this affect your insurance, as isn't one of the first questions about the car being registered in your name? Does HP not mean it remains in the leasing company's name until you make the last payment?

Simon Mac (Dublin)

Jan 2014 Filed under: insurance

Expert answer

Hi Simon,

It's a technicality of HP that you don't actually own the car until the last payment is made, but it won't affect your insurance as the car will still be registered to you. Essentially, the finance company buys the car for you and you're repaying them the money that they gave you, the loaning of which is secured against the value of the car. If your name is on the registration document, which it will be, then you are the registered owner of the car.


What small car would suit my 20,000km annual mileage?

Hi, I am looking to move out from a town, which would mean commuting of about 15,000 to 20,000km per year. Should I be looking for small diesel or petrol in order to keep costs as low as possible? Ideally about 1.4 or 1.6 engine size...

Thanks

John Stalmach (Dublin)

Jan 2014 Filed under: choosing used car

Expert answer

Hi John,

Yup, a small diesel sounds like it should be ideal for you. Depending on what kind or size of car you need I'd recommend either a MINI Cooper D 1.6 (small and sporty), Opel Astra 1.3 CDTi (slower, but more spacious), Toyota Auris 1.4 D-4D (similar to Opel but probably more reliable) or that old favourite the Volkswagen Golf 1.6 TDI BlueMotion (ultra economical). Or, if you need more space how about a Skoda Octavia Combi estate 1.6 TDI or a Citroen C4 Picasso 1.6 HDi?

Help us with your needs and we'll narrow that down a little!


Can you help with the price of a Japanese import?

Can you help me with the value of a Nissan Pulsar? It's a Japanese import with NCT until the end of March 2014. It's a 1994 model, imported here in 1997. It had one owner then until October 2013, which is when I bought it for €1,200.

Thomas Ryan (Dublin 12)

Jan 2014 Filed under: used car values

Expert answer

Hi Thomas,

It's very hard to tell I'm afraid, as some people (and indeed dealers) baulk at the idea of a Japanese import, regardless of the car's actual condition and history. It's basically a knee-jerk reaction, but that's essentially what a marketplace is - a series of knee-jerk reactions leading to a consensus. Anyway, I reckon you're looking at a value of around €1,000, give or take.


What are the pros and cons of the BMW 3 Series Coupé?

Hi, what are the pros and cons of the BMW 320Ci SE Coupé?

Thank you

Jaro Hrabovsky (Dublin 12)

Jan 2014 Filed under: choosing used car

Expert answer

Hi Jaro,

Are you talking about the E46 model (1998 to 2006) or the E92 (2007 to 2013)?

If it's the E46, check carefully for any suspension problems - listen for clonking noises from underneath and look closely for uneven tyre wear. There was also a problem with radiator cooling fans failing. It's easily replaced but the problem is that the damage may already have been caused so if the car you're looking at has had a new fan, check carefully for any signs of head gasket damage or overheating.

If it's the E92, then cabin rattles and nosies are your biggest problem. They can be fixed but they can be a nightmare of trial and error to do so. Some electronic systems can also give trouble, especially the optional Bluetooth phone system, but that can usually be fixed with a software patch from a BMW dealer. The petrol 320i version can burn through a lot of oil, so take a long test drive to check for any signs of leaks or a smell of burning oil or blue exhaust smoke. There have been reports of total engine failures for the 320i too, but thankfully they seem to be very rare.

Hope that all helps


What's the 1.6 TDCi Ford Mondeo like?

What are the pros and cons of a 1.6 TDCi Style version of the Ford Mondeo?

Tirziman Julian (Meath)

Jan 2014 Filed under: choosing used car

Expert answer

Hi Tirziman,

Mostly pros, few cons. Mondeos are very well made and reliable and while the 1.6 TDCi engine is no ball of fire, it is very economical. You should get well over 1,000km from a full tank. 

The only cons are down to the age of the design. Compared to the likes of the Volkswagen Passat, Hyundai i40 or Opel Insignia the cabin is starting to feel rather old-fashioned but that's about it.


How reliable is a 2002 SEAT Alhambra?

How reliable is a 2002 SEAT Alhambra with low mileage?

Jackie Pratt (Balbriggan)

Jan 2014 Filed under: reliability

Expert answer

Hi Jackie,

It should be pretty solid, although if it’s the 1.9 TDI diesel then they can suffer from fuel injection and air mass sensor issues. Also, with a car of that age, you’ll need to check everything (literally everything) to make sure it’s working OK. If it’s in good condition and comes with a full service history though, then it should be fine.


What's the difference between a 2011 and 2012 Avensis?

I'm looking at a low mileage 2012 Toyota Avensis 2.0 D-4D Aura, but it appears to be a 2011 spec as the tax is €280. Would this be correct? Other than emmissions and tax would there be much different between 2011 spec and 2012 spec for teh Avensis Aura?

Ambrose Haran (Mayo)

Jan 2014 Filed under: taxation

Expert answer

Hi Ambrose,

Yup, that figure is correct. There was a model year change in 2012 that saw the emissions of the 2.0-litre D-4D diesel engine fall from 135g/km (Band B2) to 120g/km (Band A4). Mind you, the difference in annual motor tax is only €80 so it's not a huge thing. There were some other minor tweaks in terms of equipment between the 2010 model year and the 2012 version, but nothing major - the core of the car is still the same and for the sake of that €80 gap in the tax bill, you may well be able to argue yourself a better deal on the older model.

Hope that helps


What should I look for on the Honda FR-V?

Hi, I am looking at a second-hand Honda FR-V (2009/2010). Is there anything in particular to watch out for? Are you familiar with the particular hand-brake lever in this car? I found it difficult to engage on my test drive and was wondering if that was just me.

Thanks, Eddie

Eddie McNamara (Mayo)

Jan 2014 Filed under: choosing used car

Expert answer

Hi Eddie,

There are certainly no reports out there of any persistent handbrake issues with the FR-V so it could just be a specific problem with that car - the handbrake may have been over-adjusted at the last service, perhaps. Try another one and see if you feel the same problem. Otherwise FR-Vs are, like all Hondas, staggeringly reliable and well made. There are just no repeated problems with them, so, as long as the one you're looking at has a full service history and is in good nick, you should be fine.

Just watch for two things; check the interior and especially the boot for signs of excess wear and tear - these are hard-working family machines and many have been treated with a fair amount of disdain. Then check the tyres for signs of uneven wear - that could mean that the suspension has been knocked askew, something that's easily done as the FR-V is a little wider than most cars.

Hope that helps