I'm about to buy my first car...
I have €1,300 saved for a first car. Preferably looking for a Polo or Golf with a smaller engine but anything will do. What kind of insurance would I be looking at for a young driver on something like that?
Bevan Gillmor (Mullingar)Jan 2021 Filed under: insurance
Expert answer
Hi Bevan,
Sadly, insurance is the critical thing here, and it’s the bit we can help you with least as Irish insurers — as ever — ladle on the risk when it comes to young drivers. Any ballpark figure we give you could be €1,000 — or more — out.
Make sense to import a van to convert?
Hi there,
I'm thinking of importing a panel van (Peugeot Boxer) from the UK to convert to a camper in Ireland. Is this a wise thing to do considering VRT etc?
Jason Christiansen (Mullingar)Dec 2020 Filed under: importing
Expert answer
Hi Jason,
It’s not a bad thing, at any rate. As far as campers are concerned, you get charged the same 13.3 per cent VRT rate as regular panel vans at the point of import (based on the Irish market price, of course), but the good news is that once you have it converted it’ll only cost you €102 to tax it for a year.
Do I need an insurance green card now?
I will be travelling from Wales via Holyhead by car. I am old enough to remember "green cards" for motorists on continental roads; will I require one when driving in the Irish Republic?
Eddy Rowlands, Anglesey
Eddy Rowlands (Beaumaris)Dec 2020 Filed under: insurance
Expert answer
Hi Eddy,
Unfortunately, yes you will. Thanks to the debacle that is Brexit, any UK drivers coming to Ireland after Dec 31 2020 will need to have a green card for insurance. Worth getting an international driving licence too...
Can I reclaim VAT paid on a UK import?
Hi,
I plan to buy a July 2020 car in the UK. I understand that I will pay Irish VAT along with the VRT and that I can reclaim the UK VAT from the UK government once the vehicle is registered in Ireland. Is this correct?
Many thanks
Gerry O'Brien
Gerry O'BRIEN (Ashbourne)Nov 2020 Filed under: importing
Expert answer
Hi Gerry,
Yes, that’s right. You need to fill out form VAT411, which allows a private individual — whether you are registered for VAT or not — to reclaim the VAT. However, there will be an extra cost involved — UK VAT is charged at 20 per cent, but Irish VAT is 21 per cent (temporarily)...
Is a converted camper cheap to tax?
Hi there,
I'm moving back to Ireland from UK with a 2006 VW Caravelle. I'm currently converting it to a campervan. Once it is converted would it then qualify to pay low motor road tax like the VW California? This is my only vehicle.
Many thanks!
Catherine Ireton (Falmer, Brighton)Nov 2020 Filed under: taxation
Expert answer
Hi Catherine,
Yes, it will do as long as you get the conversion done before you import the car. Camper vans pay the same 13.3 per cent of Irish market value in VRT as regular vans, which is helpful, but you will need to make sure that your Caravelle is signed off by a ’suitably qualified individual.’ In other words, if you’ve done the work yourself, you may need to get it inspected and approved by an official authority (a vehicle assessor who can check that it conforms to DVLA standards, for example) and make sure you have that paperwork with you when processing the import. Assuming that it passes muster in this regard, you’ll also qualify for cheap road tax — just €102 per annum for a camper van, regardless of size.
However, you do say that you’re ‘moving back to Ireland’ from the UK and bringing the car with you. That could mean that you’re exempt from paying any VRT, once you can show proof of ownership (tax and insurance) for at least six months, as well as proof of change of address. Have a look at the Revenue.ie page here.
Where to get Mercedes Vito CoC for import?
Hi,
I need to get a CoC for a Mercedes Vito that I imported from the UK. The V5 certificate from the DVLA in the UK shows higher CO2 emissions than the official Mercedes figure. Is a CoC easy to get? There are many sites offering them but they have a whiff of scam of them and I wonder if I did get one from them, would it be acceptable to Revenue?
Any advice would be greatly appreciated.
Thanks
Séamus
Séamus Greene (Killenny)Nov 2020 Filed under: importing
Expert answer
Hi Séamus,
A CoC should (emphasis should) be easy to get. You could go back to the person you bought the van from and ask them from which Mercedes UK dealer it was originally purchased. That dealer should still have the original CoC on their files, as they were the original registrar of the vehicle when it arrived in the UK from the factory.
Alternatively, we’ve contacted Mercedes-Benz Irish importer, Motor Distributors Limited, and it says that it can get a duplicate of the CoC from Stuttgart, but that process costs €100 and would take 2-3 weeks.
Should I get my Tesla Model 3 before Jan?
I’m looking to get a Tesla Model 3 on the company car scheme. Am I better taking delivery in December or January with the changes in VRT and the impact on BIK with the new rules?
Bob Brennan (Dublin)Oct 2020 Filed under: business
Expert answer
Hi Bob,
Generally speaking, I’d say that you’d be better nabbing one before Christmas, as, for a business buyer, overall, it works out a little better before the VRT rates and rebates change in January. However, it’s a moot point, as Tesla’s Irish website is currently quoting Model 3 delivery for February, so you don’t really have a lot of choice (unless you want to buy one second hand, of course).
The good news is that the zero per cent BIK rate is locked in until at least the end of 2022, which is arguably of more benefit to you overall than any of the rebates and grants.
Any more Ford Mondeos coming?
I've been a Mondeo driver forever. All good, no problems.
Do you know if the Mondeo will stay on sale in the Irish market? Dealers are coy about disclosing the full facts.
If I cannot have a lovely new Mondeo, what do you recommend? I like diesel and the Mondeo size suits me. Give me a few suggestions, please. My mortgage is now paid so I could go up a grade as a special treat...
Fergal Reidy (Celbridge, Co. Kildare)Oct 2020 Filed under: choosing new car
Expert answer
Hi Fergal,
Sadly, for all us Mondeo fans, it will die in its current form soon (most likely in the next 18 months or so). Now, it will be replaced, but most likely not by another saloon, but a crossover of some description instead, sitting above the Kuga in the current Ford range, and likely with a seven-seat option.
Happily, there are still a few proper, full-sized four-door saloons around for you to choose from, and they’re good ‘uns. Our list starts with the Skoda Superb (massive inside, smooth to drive, handsome to look at and really good quality) and the VW Passat (all of the above but not quite so big inside). The Mazda6 is a big favourite of ours, too, not least because it’s so engaging to drive, and has such high quality and reliability levels, but Mazda is dropping the diesel engine option, so you might want to snap one up soon, before they’re all gone.
If you fancied going down the hybrid route, then Toyota’s excellent Camry is well worth a look, and there’s the Opel Insignia (probably one of the most underrated cars on the market) to consider too. If you fancy something a little moore stylish, check out the very slinky Peugeot 508.
You could go up a grade, as you suggest, to the likes of a BMW 3 Series or Audi A4, but the problem is you need to spend a LOT extra to get one with decent spec, so our recommendation would be to stick with one of the mainstream brands.
Here are our relevant reviews to help you decide:
Motor tax on a 2008 Toyota Auris?
Good evening,
Can I ask what would the motor tax be on a September 08 registered 1.4 petrol car please? It's a Toyota Auris.
Catherine Breen (Wexford)Oct 2020 Filed under: taxation
Expert answer
Hi Catherine,
It will depend on the car's CO2 rating. We believe that is 163g/km. Assuming that this car is already registered in Ireland, then the annual motor tax for that car is €570 up to the end of 2020, and €600 thereafter.
Full details on the Irish motor tax system can be found in our Motor Road Tax Prices in Ireland Explained article.
Can you clarify 2021 EV taxes for business?
Hi,
My question relates to the 2021 Budget and the changes relating to BEV purchases as a company car. The information provided by the Government was particularly vague and I'm hoping that you can assist.
The proposal is to reduce the VRT rate from 14% to 7%; however it's unclear if the VRT rebate of €5,000 will remain for 2021 as there is mention of a reduction in this for cars over €40K, which basically includes the majority of normal BEVs as I believe it'll be on the OMSP. Do you know will there be any changes to the 0% BIK as I can't find any reference to this in Revenue documents, except for previous pre-2021 budget clarifications that the 0% BIK would be in place for BEVs purchased by the 31st December 2020.
Regards, Joe Boyle.
Joseph Boyle (Dublin)Oct 2020 Filed under: business
Expert answer
The short answer Joe is that we don’t actually know.
Officially, the Government is saying that the VRT rebate for electric cars will remain, but will be effectively replaced by the new seven per cent VRT band for the lowest-emissions vehicles. As you point out, that relief is reduced when the car has a price tag of above €40,000 — it chops the VRT rebate in half. Stray above €50,000 and there’s no more rebate at all. For now, the SEAI grant of €5,000 remains in place but that will be phased out over time. How much time and how much phasing? We don’t know yet.
The zero-rate Benefit-in-Kind tax remains in place up to the end of 2023, and will quite possibly be renewed in the Budget for that year, but no announcement has yet been made.
As far as the rebate is concerned, most of the Irish importers are now scrambling to try and adjust their prices, and indeed are in negotiation with the European and global head offices so that, come January, the current rebate-inclusive prices will remain more or less in place under the new system.
Basically, and not for the first time, the whole motor tax system has been thrown up into the air and we’re all scrambling to understand it fully before it comes crashing back down.
Keep an eye on our How Much VRT is Paid in Ireland? feature for more as it happens.
