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Hi Madeline,

It would be great to get a little more information from you on this if possible (you can post it in the comment section below). Are you considering buying a car that was imported and registered a while back and is now being sold on without an NCT or is this a car that has just been imported?

In either case, it's always a good idea to have an independent expert check over the car for you before you commit to buying. The AA provides this service - as do other companies - but even a mechanic you trust would be a good start.

With regards to cars imported from Japan: in my experience, when they arrive in Ireland first, they are generally in very good condition.

As with any used car purchase though, if something doesn't feel right, just walk away from the deal.

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Hi Marie/Constantine,

Neither of the two vehicles you mention is currently on sale in Ireland. Saying that, I have driven the Patrol and it's a huge, rugged 4x4 that may well be suited to life in your part of the world. I'm not sure how often you plan to go sand dune driving, but either of those would cope well with that, along with having plenty of space for your growing family.

Here in Ireland large petrol 4x4s are not very popular, whereas I guess it's quite different in Dubai.

Other vehicles to consider are the excellent Volvo XC90, or, if you want to stick with BMW, the new X5. Both come with a good range of petrol and diesel engine too.

Let us know how you get on.

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It is very true that obtaining finance is a major problem at the moment. A survey by the Peugeot dealer network in late 2009 showed that 71 percent of car finance proposals were being rejected compared to 30 percent in September 2008. In the last 12 months GE Money, Friends First and Lombard Ireland all left the market, which is now dominated by the likes of Permanent TSB, Bank of Scotland Ireland and the two main banks, AIB and Bank of Ireland. Evidence also suggests that the credit union has become a prominent lender for private individuals in the car market. It isn't a free for-all from the credit unions, but if you do have a decent savings record with a credit union they are a very good option.

In most dealerships, if you go through the likes of Permanent TSB, then you will usually need a pretty hefty deposit. Volkswagen Group now have their own bank and are said to be getting very high pass rates. As with most cases, it does depend on the state of your own finances and your ability to pay back the loan.

What seems to be clear is that motor finance is available, but like so many of the radio advertisements will say, ‘terms and conditions apply’. Large deposits and tough credit checks have replaced the sort of one-click, one-signature availability of the recent past

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There has been a lot of debate about the benefits of hybrid cars, but few would disagree that they are a step in the right direction. The principle of the current crop of hybrids, for those that don't know, is that a standard petrol engine is combined with an electric motor, with the result being better fuel consumption and lower emissions. The original Toyota Prius was the first mass-produced hybrid on sale and Toyota has just released the third generation of the model and it promises to be more refined and cleaner than ever.

There are other alternatives such as the Honda Civic Hybrid, which isn't bad either, or the Honda Insight, while at the top end of the scale Lexus does three hybrids, the GS 450h, the LS 600h and the RX 450h. In the case of the Lexus hybrid technology it's as much about giving the cars higher performance as it is increasing efficiency.

A hybrid is cleaner in so far as official emissions figures are very low. The Prius emits less then 90g/km, which will make it the cleanest petrol car on sale in Ireland. In some cases you could get better fuel economy from a diesel engine though.

With a budget of €40,000 you could easily get into the new Prius when it arrives in October, as the car is expected to cost about €28,000 and this will be a very cheap car to run, so it seems the natural choice. Bear in mind that even cleaner technologies will arrive soon, including those in the Opel Ampera and even a new plug-in version of the Prius.

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Hi Paul,

That is a very interesting question. You only have to look at the difference in pricing through various different genre of cars to see that we have not had cars as cheap here in Ireland in years and even when you compare them to prices in Europe things are favourable. This is of course little solace to those who find obtaining credit virtually impossible.

Manufacturers are constantly streamlining methods of production and there is much greater co-operation between manufacturers in terms of powertrain sharing and platform sharing, but the simple explanation of the reduction in prices here in Ireland is of course the easing of taxation slightly. New cars, as I am sure you are aware, are now taxed according to their CO₂ emissions and this means that cars that might once have been subjected to 30 percent VRT under the old system are now only subject to 16 percent, because of advances in engine technology. When you look at cars like the Mercedes-Benz E-Class and BMW 5 Series now with emissions of less than 140g/km, as long as the present taxation system is in place, prices will remain quite low. Manufacturers are also likely to keep prices low to their retailers as every incentive needs to remain in place to keep sales moving throughout a sluggish global economy.

In answering your question, I would say that the lowering of prices certainly hasn't finished, especially here in Ireland. This year there has been a lot of discounting from manufacturers such as Renault who is aggressively targeting market share. Even when scrappage ends in December I can't see an end to this straight away, as next year, without the scrappage incentives, manufacturers and retailers will need to come up with a whole new set of incentives to draw nervous buyers back into the showrooms.

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Prices have not yet been announced, though we're told that it'll start from €23,000.

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Hi Paul.

It's true, Lada's owners, which include the Renault-Nissan alliance, have said that it makes sense to bring the brand back to this side of Europe. If that happens it's also likely that the cars will be made in right-hand drive for the UK and Ireland.

I agree it'll take some marketing genius to turn around the image side of things, but bear in mind that Skoda was once seen as no better than a Lada - and look at it now.

The reasoning behind all this is apparently to beat the Chinese car makers to it. Renault-Nissan will be represented at the super-cheap end of the market by Dacia and Lada before the likely arrival of a handful of Chinese manufacturers.

Whether they'll be successful in Ireland or not remains to be seen. You reckon that the budget end is already pretty busy? Maybe there's room for new cars at an even lower price.

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Firstly, there are probably more diesel automatic cars in Ireland than you might think, but they tend to be executive models rather than mainstream family cars because it seems that there still isn't a huge demand for them.

Toyota does in fact sell an automatic version of its Avensis. It is a 2.2-litre 150bhp diesel and that costs €35,530. Since you mentioned the Toyota Avensis we must assume that you are after a family saloon or hatchback so for a start you could have a Ford Mondeo 2.0-litre TDCi Style Auto for €32,225 - that comes as a saloon, hatchback or estate.

For you a few quid more you can have the run out version of the Jaguar X-Type 2.2 Diesel Auto for €32,995 or you could have the Mercedes-Benz B180 CDi Auto from €33,640.

There are loads of versions of the excellent Opel Insignia available with a choice of 130- or 160bhp diesel engines in saloon, hatchback or estate body styles. There are 24 different Insignia diesels available in total. Prices start at €30,380. You can have a Renault Laguna 2.0-litre dCi 150 TomTom Edition for €36,890.

A Volkswagen Passat 2.0 TDI with the excellent DSG gearbox will cost you from €35,960 and Skoda will sell you something with DSG for even less. How about an Octavia RS 2.0-litre diesel with 170bhp and DSG for €31,195? For us, that last car is the top choice. However you could stick with Skoda and go much bigger and that would be the Superb. You can have that with DSG and 170bhp for €31,195.

There is a fuel economy penalty in some cases and that is because the traditional automatic transmission has a torque converter. Automatic cars are generally a little heavier too, to the detriment of economy. Saying that, the latest generation of dual-clutch automatics and some of the newest conventional autos have massively improved.

Fuel economy and CO₂ emissions are directly linked, so often the manual version of a car can be in a lower tax band than their automatic siblings, but this is starting to change as mentioned above.