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I'd like to bring my car to the UK with me...

Hi,

I am a student studying in a UK university and looking to bring my Irish car from home over here. I'm going to be studying on my course for another two years after this year and then hope to return back to Ireland post-graduation. How do I go about bringing my car over? As far as I know, the AA (my insurance company) will cover me in the UK just like they cover me in Ireland at no extra cost. The car is also already taxed for the year. I'd preferably like to keep the Irish plates on to avoid the hassle of changing plates now and then back again in the future.

Thank you.

John Joe

Mar 2016 Filed under: importing

Expert answer

Hi John,

Sorry, but you'll have to change the plates - if you're bringing a car into the UK you only have to inform HMRC of the car's arrival within 14 days and then begin the re-registering process. The maximum time you could use the car on Irish plates for would be six months. The good news is that the process is relatively painless - you will have to get an MOT test done as the NCT won't be recognised, but other than that it's just some forms to fill out. If it's an older car you won't be liable for any VAT or duty so it'll only cost a little. You can find more details here - https://www.gov.uk/importing-vehicles-into-the-uk/overview

Then, when you're bringing it back again, you'll need to get it re-registered here, but as long as you can show proof of road tax, insurance and change of address you won't be liable for any Vehicle Registration Tax on this side. 


How much to move BMW to Irish plates?

How much would it cost to change an English 2010 BMW 116d to Irish plates please?

Maria Cosgrove (Lisdoonvarna)

Mar 2016 Filed under: VRT

Expert answer

Hi Maria,

OK, please bear in mind that this is a total ballpark figure - the car will have to be inspected at an NCT centre and it will depend on how much optional equipment is fitted and precisely what Open Market Selling Price is applied by Revenue. It's a very, very inexact science.

However, assuming that it's judged to be worth around €14,000, the VRT will be 17 percent of that, which is €2,300. 


I want to insure my three classic cars...

Hi,

I want to insure my three classic cars: a 1989 Mercedes-Benz 190e 2.0-litre petrol, a 1994 BMW 520 2.0-litre petrol and a 1996 Peugeot 306 XAD van, a 1.9 diesel. Can you tell me the best insurance company to try (not a broker) and also if you could give me a value on the three cars?

Regards

Thomas

Thomas Ryan (Dublin 12)

Mar 2016 Filed under: insurance

Expert answer

Hi Thomas,

Well, for a start, you're not going to be able to insure any of the three as classics, as none has passed the 30-year mark yet. If your intention is to use them for 'classic-style' driving (only bringing them out for events or days out etc.) then you might be able to get a limited mileage policy that will reduce your costs a bit.

The next problem is that Irish insurers are conducting something of a war against cars of that sort of age – they reckon that older cars are at higher risk of claims so the premiums are being loaded out of all proportion. Most of the major insurers will do a multi-car policy, but with their ages I think you might struggle to find an affordable quote.

As for value, if they're all in exceptional condition then I'd say the Mercedes and BMW could be worth as much as €5-7,000 each (they really would have to be exceptional though) and the Peugeot van probably about €3,000 (again – if in exceptional condition).

I reckon on the insurance front, you may just have to abandon your dislike for brokers...


Where can I make a complaint?

Where can I make a complaint against auto mechanics in Ireland please?

Kamal Lamid (Limerick )

Mar 2016 Filed under: miscellaneous

Expert answer

Hi Kamal,

Right, first off, have you exhausted all options when it comes to getting the mechanic or garage in question to deal with the issue? Have you complained, in copied writing, to them? Have they replied?

If they've tried to fob you off, then you need to remind them that all work carried out is covered by the Sale of Goods and Supply of Services Act, 1980, which states that all work carried out must be of merchantable quality – in other words, that the work should have fixed whatever problem you had, and if not then a refund or another repair should have been offered.

If all that's been done and you've still got nowhere, then you have two options. If the mechanic in question is registered with the Society of the Irish Motor Indsutry (SIMI) then you can complain to that body. Its contact details and complaints procedure are here: http://www.simi.ie/Consumer+Information/Consumer+Services/Contact+Complaints+Service.html

If the mechanic is not SIMI-registered, or if you get no satisfaction from that process, then you're best off going to the Competition and Consumer Protection Commission, who can be contacted here: http://www.consumerhelp.ie/

Best of luck - and let us know how you get on


Should I buy a Freelander in UK or Ireland?

Hello,

I am a German living in Scotland and would like to buy a Land Rover Freelander 2 because I had a little windfall. The thing is that the money is in a German account, in Euros and I don't want to lose money due to currency conversion. That's when I got the idea to buy in Ireland, where the steering wheel is also on the right but the currency is Euros.

Do you see a problem with that? Can I bring a car over to the UK and register it? Am I really saving money or is it cheaper to buy in Scotland?

Maike Neuhaus (Edinburgh)

Mar 2016 Filed under: importing

Expert answer

Hi Maike,

The process of importing a car into the UK is a lot easier and cheaper than it is in Ireland. If the car is quite old you probably won't have to pay any import fees on it in fact, you'll just have to get it MOT'ed and pay a small fee for the new registration.

But, buying the car in Ireland will represent much worse value than buying in the UK. Not only will you find fewer cars to choose from (the Freelander was always a much bigger seller in the UK than in Ireland),  but the Irish cars will probably be more expensive. I think you would be better off transferring your money to Sterling (using a low-cost service such as Transferwise) and shopping in the UK.


How much would VRT be on a Kia Optima?

Hi,

I am thinking of buying a Kia Optima in the UK. It costs approximately £14,000/£15,000. How much would the VRTcost?

The car will be brought to Ireland.

Thanks

Paul MC Namara (Cork. Ireland )

Feb 2016 Filed under: VRT

Expert answer

Hi Paul,

I can't tell you as you won't get a final figure until you bring it to an NCT centre for assessment, and Revenue will give you the cost of the VRT. Anything I tell you is mere speculation, but if you want a very vague ballpark figure, a 2014 Optima will probably be judged to have an Irish Open Market Selling Price (and that's what Revenue will base its assessment on, not the price you pay in the UK) of around €24,000. With 136g/km CO2 emissions, that means you're in Band B2 for tax, so that means 19 per cent of OMSP, which works out at roughly €4,500.

But, please, don't take my word for it...


I'm trying to import a BMW X5 for business.

I would like to import a BMW X5 from the UK, which is VAT qualifying and use it here for my business. My business is VAT registered and I wish to pay the VRT on business class (five-seater converted), but the VRT office will not give me an answer if it can be done even though garages are selling them here as five-seater business class. They also told me that I would have to pay the VAT here and then reclaim the VAT. This is not the case with any other import and I am sure that it goes against the free trade rule. What do you think can be done?

Peter O Reilly (Dublin)

Feb 2016 Filed under: importing

Expert answer

Hi Peter,

As an import, each car is individually inspected and rated for VRT,  which is probably why Revenue is being evasive - they really don't like to pass judgement on something they've not seen, even if it is nominally the same as an Irish market car. Ultimately you shouldn't have any problems - if the X5 can be categorised as an N1 vehicle, it should be fine, but check to make sure as to whether that's with five or seven seats. Seven seats are optional on the X5 and could cut the boot space to under the N1 limit.

On the VAT thing, it just depends on the age of the car. If it's less than six months old, and/or has fewer than 6,000km on the clock, it's liable for Irish VAT on arrival - no ifs, ands or buts. 

Goes against the free trade rule? You just described the entire VRT system in a sentence...


Do I pay UK VAT when importing a car?

If I am buying a car in the UK to bring to Ireland (taking it through VRT on entry) do I still have to pay the UK VAT on the price of the car?

Molly Green (Co Louth)

Feb 2016 Filed under: importing

Expert answer

Hi Molly,

Effectively, yes. If you're buying it brand new, then you can, theoretically, export it from the UK and claim back the VAT, but you really need an accountant, not a motoring journalist, to walk you through that process. Of course, you'll have to pay Irish VAT on it then. You'll have to pay VAT twice, essentially, if you're buying nearly new - a car under six months old is liable to Irish VAT upon entry into the state, and of course you'll already have essentially paid the UK VAT in the purchase price. You could claim it back of course, but again that's a job for an accountant.


Is the Mercedes-Benz M-Class a good buy?

I'm a retired driver with full no claims insurance bonus. I'm looking for a reliable, comfortable and high end car or SUV with about 100,000 miles on the clock plus room for golf clubs and a folding trolley in the boot. I like SUVs because I'm finding it increasingly difficult to get out of cars that are lower on the road (have an older E -Class Merc at the moment). A car that would still look well in about five years' time appeals to me. Can you please advise if a 2007 Mercedes-Benz ML 280 would be a good buy?

David Rafferty (Malahide)

Jan 2016 Filed under: choosing used car

Expert answer

Hi David,

Yes, that M-Class is a particularly nice one, but there's a couple of things to watch for. Mercs of that era can be electrically fragile so beware of anything with a button or a switch and don't dare buy anything without a full and comprehensive service history.

The other thing to worry about is insurance - next year that car will be 10 years old and you'll get hammered for insurance by pretty much all Irish providers. Not a problem for this year but possibly something to keep in mind.


Worth importing a van for private use?

Hi,

I'm looking at importing a Volkswagen T5 or 2006-2007 SWB Kombi, 2.0 TDI diesel, windows and seats in the back with no bulkhead. First thing is, can I tax and insure it privately? Secondly, could I buy a commercial van in Ireland, remove the bulkhead, add rear windows and seats and tax and insure privately for roughly same price as import?

Thanks in advance for your experience.

Brian

Brian Mulroy (Drogheda)

Jan 2016 Filed under: commercial vehicle

Expert answer

Hi Brian,

Yes, you can tax and insure it privately, and indeed you should do because if it were taxed as a commercial, you'd be caught rotten if you were stopped with the kids in the back and it's a €4,000 fine. However, you can legally have it assessed for VRT as a commercial so that's a saving. The odd thing is that taxing it as a private car means, under the current rules, you'll revert to the old pre-2008 tax system, which is based on engine capacity. Odd, but there you go.

As for whether or not an import will be cheaper, it probably depends on how many of the specific style of T5 you want are available on the ground here. All I can suggest is that you do your sums, figure out how much the import will cost, and then have a shop around Irish dealers and ask them if they can match the numbers.