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Hi Trevor,

We’re not sure about the five per cent VRT BIK rate, as that will depend on your personal circumstances and how the vehicle is paid for and registered. Better to ask your company accountant that one. As for being OK to carry passengers for personal use, yes you can, but you’ll have to register it as a private car and tax it as such (which could be tricky if you’re trying to get the van rate BIK) and you’ll have to make sure that your insurance covers it for social/domestic/pleasure use as well as work.

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Hi Brian,

To be honest, no — we haven’t heard of any major problems with the current-shape Fiesta, but perhaps the problem lies in the diesel engine and how it’s being used? If you’re only covering a relatively low mileage, you could be getting a clogged up exhaust particulate filter, which is a common issue with diesels that get driven for short hops, or stuck in traffic a lot. Beyond that, if the car has caused you to stop three times in succession, to the point of having to call out roadside assistance, then clearly there is an issue and, if it’s not the particulate filter problem, then it could be something more serious. As a 181, you’re still well within warranty, so I would demand of your Ford dealer that they do something, as there must be a problem somewhere. 

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Hi Martin,

It depends on the age of the X5 as to whether this works. As long as it was registered pre-July 2018, then yeah — it’s fine and legal, although rather more in the letter of the law than the spirit. As for a new Range Rover Sport, the answer is no — that tax loophole was a closed off last year, so no-go I’m afraid.

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Hi Clare,

A Hilux has a 2.4-litre engine (well, the current one does, but remember that older versions had 3.0-litre units) so if you want to tax it as a private vehicle that’s going to be €1,034 per year for motor tax. I’m pretty sure you can’t register and tax a horse lorry for private use as it’s over the 3,500kg limit for private cars. The tax therefore would be the commercial rate of €333 per year. As for insurance, that’s probably more down to you and your own driving record than it is to the vehicle, but the good news is that there are specialist horse lorry insurers, such as Wexford Insurance, who would probably be able to give you a good quote. 

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Hi Kieran,

Because you go back to the old engine capacity tax system when you tax a commercial vehicle as a private car (no, we don’t know why either) it’s going to be €413 a year to tax a Courier with a 1.5-litre engine.

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Hi Gerry,

Yes, you can absolutely insure it as a private car, especially when you have taxed it as such. Just ring up your insurer and let them know of the change. There shouldn’t be any increase in cost, or at least only a small one.

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Hi Julian,

It should be changed at least every 200,000 kilometres or 10 years, whichever comes first.

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Hi Nathan,

Generally the Ford 1.6-litre diesel (also used by Mazda, Peugeot, Citroen, Volvo and MINI down the years) is a rugged and reliable unit, but there are a few things to bear in mind. First off, this is an engine that needs a regular diet of high-grade synthetic engine oil, otherwise a nasty sludge can build up in various parts of the engine, choking performance. Make sure you check the service history to ensure that a good quality oil has always been used. The stop-start system can occasionally cause starter motor issues, especially if the car has mostly been driven in town. If it has been mostly driven in town, or has very low mileage, be wary of potential issues with the diesel particulate filter, too.

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Hi Frank,

The bad news here is that a 1966 Mustang probably has CO₂ emissions similar to that of a medium-sized coal-fired power station. The good news, though, is that for any car that’s more than 30 years old, you pay a flat-fee VRT charge of just €200. Big sigh of relief all round, I expect. There are some other charges that you’ll have to pay, though, as the car is coming in from outside the EU. You’ll have to pay VAT and customs duty, but thankfully these are calculated on the actual price paid for the car, not the Revenue-calculated OMSP price, which makes things much more straightforward. Customs duty works out at ten per cent of the purchase price, and then VAT will be 23 per cent of the purchase price plus the shipping cost. 

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Hi Eric,

It’s tempting to answer this with a simple ‘good luck’ and leave it at that… The problem, of course, is one of sheer rarity. The Thompson Motor Company at one point claimed to have made 100 Costins before the Wexford-based firm went bankrupt in 1987, but the general consensus is that this was entirely made up. The actual production figure seems to have been around 40, maybe slightly fewer. We can currently find none for sale in Ireland or the UK at the moment, but it could be a question of simply taking your time and trying to make some contact with those in the know. I’d suggest having a chat with the guys at the Irish Veteran & Vintage Car Club and the Irish Jaguar & Daimler Club, and make sure you visit the next Terenure classic show.

Or, alternatively, make friends with cycling superstar Stephen Roche. We think he has two...