I can't insure my 1999 Honda Civic. Help!
Hi,
I am a 34-year-old with a 1999 Honda Civic four-door. NCT passed every year and I have been declined insurance this year. I have a full clean driver licenve for over seven years and no penalty points, no convictions. FBD, Aviva, Axa and AA quoted €1,300; Liberty €1,020; and RSA Via Campion €791.88. I cannot get a personal loan or finance as I am either not earning enough or I can not afford the repayments. What's a girl to do?
Martha Clancy (Longford )Jan 2016 Filed under: insurance
Expert answer
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.
Which new exec diesel auto saloon to go for?
What compact exec would you choose in a diesel auto as a private buyer? BMW 320d M Sport, Audi A4 S tronic, Jaguar XE Portfolio or Mercedes-Benz C-Class? Or would you go with something cheaper like a Volkswagen Passat Highline DSG 190?
Andrew Kelly (Limerick)Jan 2016 Filed under: choosing new car
Expert answer
Hi Andrew,
Well, of the posh-badge brigade, my personal favourite is the Mercedes-Benz C-Class - it's supremely comfy, beautifully made and really satisfying to drive, but, to be honest, you couldn't go wrong with any of those cars, it really is down to personal taste.
Your other question is an interesting one though. If you can live without the posh badge, and aren't quite so worried about driving dynamics, then a Skoda Superb is pretty much unbeatable. Same mechanical make up as the Audi but far bigger and way better value. Try a Ford Mondeo or Mazda6 if you want something with a keen chassis or a Toyota Avensis if you never, ever want it to break.
Some relevant reviews for you:
Ford B-Max or Nissan Juke?
Ford B-Max versus Nissan Juke?
Nigel Naughton (Castlebar)Jan 2016 Filed under: choosing new car
Expert answer
Hi Nigel,
Two totally different cars so they're quite hard to compare. The B-Max is small but spacious, and those sliding side doors make it very handy in tight parking spaces, but it's slow and not much fun to drive. The Juke is far more striking to look at (perhaps even a bit ugly?) and more engaging to drive, but space in the back and boot is really quite poor.
Relevant reviews:
When to change my Mondeo's timing belt?
Hi,
I have a 2008 Ford Mondeo 2.0-litre flex-fuel. When do I change the timing belt?
Alan Doolan (Dublin)Dec 2015 Filed under: servicing
Expert answer
Hi Alan,
Actually, our information is that your car should have a timing chain, not a belt, which has no scheduled maintenance interval. To check this, call a service department of any Ford dealer with your registration number and they'll tell you for sure.
How economical is the new Ford Mustang?
Do you know, roughly, what the real world fuel economy of both the 5.0-litre and 2.3-litre new Ford Mustang is?
Thanks
Philip Donegan (Ballina)Expert answer
Hi Philip,
You might just break 30mpg with the 2.3 if you're reasonably careful. You'll be lucky to see 20mpg in the V8...
Is the Toyota RAV4 worth the price?
Hi,
I want to trade in my 2008 Ford Focus diesel for a new or nearly new car. I really like the SUV style. I drive at least 1,000km per week to and from work so I need something that's reliable, will hold its value and able for big mileage. I really like the Toyota RAV4, but is it worth the price?
What car would you suggest?
Joanne Stafford (Wexford)Dec 2015 Filed under: choosing 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:
Can I use a van for Ford scrappage deal?
Will Ford take a van instead of a car in scrappage deal for a new car?
Jim Crockett (Cork.ireland)Dec 2015 Filed under: commercial vehicle
Expert answer
Hi Jim,
Ford's terms and conditions for its 161-plate offers state that "This offer applies to trade-in vehicles aged up to 10 years which are taxed and insured at time of trade-in. Qualifying vehicles must also have a valid NCT certificate at time of trade in." So there's nothing that says you can't trade in a van. It will probably come down to the individual dealer. If one rebuffs you, try another.
What cars fit three child seats in back?
What cars take three full car seats in the back?
Anne Davis (Cork.ireland)Dec 2015 Filed under: child or baby seats
Expert answer
Hi Anne,
Most MPVs will, so Citroen C4 Picasso, Renault Scenic, Ford C-Max, Peugeot 5008, Kia Carens and so on. The bigger ones too, of course, such as the Ford S-Max and Galaxy and the SEAT Alhambra. If you want something sleeker, such as a saloon, estate or SUV then it comes down to how bulky the child car seats are. Rule of thumb is to always bring the seats (and preferably the kids, even though I know how awkward that is) on a test drive to make sure that they'll all fit in comfortably.
Help me change from Passat to C-Max.
I have a 2008 Volkswagen Passat diesel with 120,000 miles on the clock. I am looking at a 2012 diesel Ford C-Max with 60,000 miles. How much should I expect to pay and would you recommend the Ford?
Many thanks.
Catherine Davis (Louth)Dec 2015 Filed under: choosing used car
Expert answer
Hi Catherine,
The Ford's not bad actually, but make sure that it has been fully serviced and that the 1.6 diesel has had a steady diet of high-grade oil.
Your Passat should be worth about €7,000 to €7,500 as a trade-in.
Which new petrol estate should I go for?
Hi guys,
I currently drive a 2011 Volkswagen Passat saloon 1.4 TSI, but am looking to change to an estate. The obvious choice is the Passat Estate 1.4 TSI, but is there any other petrol estate I should consider? My mileage doesn't justify the change to diesel.
Thanks.
Brendan Cullen (Knocklyon)Dec 2015 Filed under: choosing new car
Expert answer
Hi Brendan,
Worth checking out the Mazda6 2.0 SkyActiv-G estate, and the Ford Mondeo 1.5 EcoBoost isn't bad. Also have a look at the Skoda Superb 1.4 TSI although that's only available in Ambition spec.
