How best to check insurance prices for a car?
I am thinking of buying a second hand car and have started to browse online. Apart from the specs of car and the price, a big determining factor to buy the car or not will be the price of the insurance premium. However, if I want to know the premium I have to go through the rather painful process of filling in online quotation forms. Painful and time consuming. Is there a faster way to check the insurance premium online for any given car I am interested in?
Thanks
Peter S. (Dublin)Oct 2016 Filed under: insurance
Expert answer
Hi Peter,
Sadly, there isn’t. Compared to the UK insurance market, the Irish market is still somewhat in the dark ages when it comes to price comparison sites etc. No substitute for legwork, I’m afraid.
What's the point of stop-start?
Whats the point of stop-start when your Volkswagen/Audi diesel is doing probably 60mpg? Is this just making a problem that isn't there or just another cost to the consumer?
John Craven (Blackpool,lancs)Expert answer
Hi John,
No, it’s not just another cost to the consumer. Stop-start systems are designed to prevent the car from running the engine unnecessarily at standstill when doing so would be at its most wasteful of fuel. After all, if you’re not moving then what is the point in having the engine on? Stop-start systems are specially designed with either a beefed-up alternator or an integrated starter/generator so that it can handle multiple stops and restarts in rapid succession, and it’s estimated that on an average car, stop-start can save as much as ten per cent of overall fuel consumption – not to be sniffed at, never mind the benefits to city-centre air quality.
Admittedly, the car makers have brought in stop-start to bring their cars' official CO2 and fuel consumption figures down, and the benefits are only really felt if you are stopping and starting regularly. If you spend all your driving time on the motorway then you won't use the system at all.
Worth the hassle to import a car from the UK?
Is buying a new car cheaper in the UK to bring it over to Ireland? Or is not worth the hassle?
Shariq Nasim (Tuam)Sep 2016 Filed under: importing
Expert answer
Hi Shariq,
Yes, it is worth it, but it is a hassle. There are specialist car-finding agencies (such as Palmdale, for instance) who for a fee will locate and source a car for you, and they’ll even deliver it for another fee on top, and the word from them is that even on everyday models it’s now possible to make a significant saving thanks to the value of Sterling relative to the Euro. If you’re buying a premium model, or spending more than €20,000 on a car then it’s a no-brainder – you can save as much as €4-5,000 even when you’ve paid for VRT, air and ferry tickets.
How to go about selling my '65 VW Beetle?
My 1965 1,300cc Volkswagen Beetle (one of first six months of the 1300 version and so has six-volt electrics, purchased from the local Volkswagen agent as their demo model when six months old, so I am the only owner) was last on the road in 1978, driven only in and out of my garage in order to use the pit over which it is parked and was to be my retirement hobby. It is to be sold.
Lifetime mileage is 41,500 and apart from needing a brake overhaul, it could easily be put back on the road, though the original paint work looks a little ‘tired’ – it is Volkswagen sea-blue. Any idea what I could expect to get for it? And how I should go about selling it?
It is standard except for a fitted tow-bar; also, has bespoke leather seat covers made just after purchase in 1965.
Bryan Page (SANDY, BEDFORDSHIRE)Sep 2016 Filed under: classic cars
Expert answer
Hi Bryan,
It’s VERY hard to value a car like that without seeing it, but I can give you some pointers. Obviously, the originality is a big selling point, so if you’re going to get anything done to it before sale, make sure it’s done carefully and considerately. To be honest, even if the paintwork is currently a bit faded, I’d be tempted to leave it be, as originality really is everything.
As for a value, you could be looking at around the €12-15,000 mark if its rarity plays out, although many good sixties Beetles go for around €9-10,000 if restored. I think you should get in touch with the VAGE Club Ireland, the Volkswagen owners' club, and have a chat with one of their Beetle experts before you go about trying to sell it. They should be able to give you some good pointers.
Best of luck
What warranty for on my Volkswagen CC?
Hi, I'm going over to buy a 2013 Volkswagen CC in England at the weekend. There's 66,000 miles on it. I'm looking at buying a private warranty for it that gives me some cover when it's back in Ireland. Would you be able to recommend a private warranty company? I'm getting mixed messages about Mapfre and Carprotect.ie.
Many thanks
Eoin Kelly (Naas)Sep 2016 Filed under: warranty
Expert answer
Hi Eoin,
Mapfre and Carprotect provide decent cover, but, as always with these things, you need to make sure you read all of the small print, and we mean ALL of it, to ensure you know exactly what’s covered and what’s not and in what circumstances. Basically, rather like accident insurance, aftermarket warranties are there to cover utter disasters, not replacement of day-to-day items.
Where can I get lease prices for company cars?
Hi,
Where can I get estimates or comparisons on the lease prices for company cars? I have a monthly allowance but have no visibility on the charges quoted from our appointed multi national leasing company. I suspect I am not getting the best lease deals available from other local suppliers. The lack of transparency in the lease market seems to lend itself to the dominant position of a major multi national leasing company.
Donal Mcilroy (Dublin)Sep 2016 Filed under: finance
Expert answer
Hi Donal,
Sadly you’re right – as with so many things in Ireland, transparency in the car leasing market is rather lacking and it’s not at all easy to either get comparisons or to make sure that those are direct and fair comparisons.
There are a couple of sites such as www.autoleasing.ie which do offer some comparison ability, but they don’t cover all brands so it may not be the answer you’re looking for. My best suggestion for the moment is to sit down and have a good chat with whoever looks after your company’s leasing and see what they can do to help. They’ll be much more plugged into the market and may be better able to assist.
How to insure a car I am importing?
Hi,
I'm buying a car in the UK. I don't have a car at the moment. What is the cheapest way to insure myself for the one day for while driving it back to Ireland? I'm a named driver on my girlfriend's car but they are telling me that we can't transfer her policy.
Eoin Kelly (Naas)Sep 2016 Filed under: insurance
Expert answer
Hi Eoin,
There are a number of UK-based insurers who offer one-day car insurance, usually up to a maximum of 28 days, so a quick run through Google should see you sorted. If you’re concerned about not knowing which company is which, the Royal Automobile Club (RAC) offers a short-term policy, and that should be very trustworthy. Just make sure that you check and ensure that the coverage will extend to Ireland for the time you need to get a local policy sorted out.
How much to tax a 2008 Toyota RAV4?
How much to tax a 2008 Toyota RAV4?
Mairead Conroy (Camolin)Sep 2016 Filed under: taxation
Expert answer
Hi Mairead,
It depends which model you mean. An automatic 2.0-litre VVT-i petrol RAV4 from 2008 has CO2 emissions of 212g/km, so will cost €1,200 a year. The manual version has CO2 emissions of 202g/km so costs the same. It gets a bit better with the diesels. The 180hp 2.2 diesel has emissions of 185g/km so costs €750 a year while the 150hp version has emissions of 173g/km so costs the same €750.
How reliable is the Citroen C4 Grand Picasso?
How reliable is a the Citroen C4 Grand Picasso?
David Geoghegan (Mullingar)Sep 2016 Filed under: reliability
Expert answer
Hi David,
They’re not bad actually. The only major mechanical items that cause regular bother are the engine’s exhaust gas recirculation valve (if the engine is down on power or putting out lots of smoke, suspect this…) and the fragile water pump on the 1.6 HDi diesel. That 1.6 also needs a steady diet of high grade oil at service time. The only other issues are minor electrical niggles, such as the electronic parking brake, sticking fuel filler flaps and the like. Buy one with a full service history and keep it serviced and you should be fine.
Should I buy a petrol car for short trips?
Hi,
If the vast bulk of my driving is in short trips, is it better to buy petrol over diesel, or does it really matter? Unlike the mass market models, for upmarket models, like Mercedes, there isn't any significant initial price difference between petrol and diesel models. Possibly, also with diesel becoming slightly less popular, the level of depreciation might not be that significant. I would welcome any thoughts you might have.
Thank you, Philip
Philip Donegan (Ballina)Sep 2016 Filed under: petrol vs. diesel
Expert answer
Hi Philip,
Petrol is better for shorter trips, period. Apart from the extra cost of buying a diesel car (which as you correctly point out, narrows a bit with some models), there's the question of maintenance - doing short hops is just bad for a diesel engine as it won't warm through properly and you could develop problems with the particulate filter and other engine components.