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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.

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Hi Sinead,

How about a Honda Civic? Your budget should get you into a 2007 model with the 1.4-litre V-TEC petrol engine. Frugal, reliable and spacious.

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Hi Aryelle,

It's a slight win for the Jeep as, in basic 1.6 diesel form, it has a €1,000 price advantage over the HR-V. Mind you, we'd expect the Honda to be slightly more economical overall, but the gap won't be huge.

Now, one word of warning - you say you don't want four-wheel drive, but if you're looking to get through those icy and snowy conditions you might need it. In which case the Jeep is your only choice as Honda doesn't offer a 4WD HR-V yet. You'll have to upgrade to the €31,200 Renegade 2.0-litre to get all-wheel drive though.

Relevant reviews:

Jeep Renegade review

Honda HR-V review

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Hi Denis,

Best to stick with a Toyota Verso (neé Corolla Verso) or a Volkswagen Touran so - both have space for seven, and big boots if you leave the rear seats folded down. Both should be endlessly reliable too. Honda's FR-V also worth a look if six seats (in two rows of three) would work for you.

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Hi Adrienne,

OK, let me take that section by section...

(A) Most small crossovers use 1.5- or 1.6-litre diesel engines so you're going to average between 40- and 50mpg in any of them. Ignore the official consumption figures - they're not representative of real-world driving.

(B) Standard spec on most will include at least air conditioning and probably Bluetooth, but the items you've listed will push prices up into the €25-30k region.

(C) Kia, Hyundai and Mitsubishi have the best warranties on the market at the moment - seven, five and eight years respectively. Ford, Renault and Peugeot all offer five-year warranties too, while Fiat offers a four-year one. Most others have three-year cover. In terms of reliability, Japanese and Korean brands will almost always beat their European and American competitors.

Of the cars you're looking at, I'd say the strongest contenders are Honda's new HR-V, the Jeep Renegade, the Peugeot 2008 and the Kia Soul. All well worth a look.

Relevant reviews:

Honda HR-V review

Jeep Renegade review

Peugeot 2008 review

Kia Soul review

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Hi Neil,

Well, your Audi is with circa €7,000 as a trade in, while a 2010 Accord should run you about €12-14k. So you'll have to finance about €6-7,000 to make up the gap, depending on the dealer and the history and condition of your car.

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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. 

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Hi Barry,

We contacted a few Irish insurers and, while the premiums will still probably be high, both Axa and Zurich expressed an interest in your custom. We've put them in touch with you directly.

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Hi Elaine,

You're kind of on the cusp of being better off with a diesel with that kind of mileage. There are a few cars that are worth looking at. Sticking with petrol? Try a Honda Jazz - small but very spacious, and the 1.2-litre engine is pretty frugal. Want to go for a small diesel? Try a Volkswagen Polo. Want something a little more fun, but still very frugal (albeit not very roomy in the back)? Try a MINI Cooper D.

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Hi Christy,

First simple thing to try is to disconnect the battery for a few hours. If you still have the issue then bring the car to a decent mechanic for a check. It's likely they'll have to plug it into a diagnostic machine to reset the ECU.