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Insurance advice for this immigrant please.

I am buying my first car in Ireland. I have driven for many years in Canada. What can I expect to pay in car insurance rates in Ireland? What is the criteria that insurance companies use to determine the rates? I am 65 years old, have an excellent driving record and plan to buy a 2013 Nissan Note.

Please advise.

Catherine Redmond (Tramore)

Feb 2020 Filed under: insurance

Expert answer

Hi Catherine,

You’ll probably get a very broad mix of quotes. Some companies will like the fact that you’re an older driver, with a relatively low-powered car, and assess you accordingly. Many others will simply look at your lack of an Irish driving history (and won’t take your Canadian history into account) and will simply try to charge you an absolute fortune.

Our advice would be to track down a good local insurance broker, who may well be able to help you find a better deal than you’d find yourself. Criteria? That would be expecting the Irish insurance industry to be open and transparent, and that’s simply not going to happen...


Can I appeal VRT estimate before paying?

Hi,

I imported a Nissan Skyline and the VRT being sought is a little over €20k. Can I appeal it before paying? The car cost me €8.5k.

Mark O'Reilly (Skibbereen)

Jan 2020 Filed under: VRT

Expert answer

Hi Mark,

This is unfortunately a common issue with Revenue, VRT and ‘out of the ordinary’ cars. Sadly, and infuriatingly, there’s no way to appeal before payment. You have to pay and then appeal. My advice would be to get some expert advice (possibly from an importer who specialises in GT-Rs, or possibly from an owners’ club) as to the true value of the car, which you can then present as part of your appeal.


Do I have to fix the stop-start system?

Hi, my auto stop-start stopped working and a symbol keeps on flashing on the dashboard. Will it damage my car if I don’t get it fixed right away? I’ve a Nissan Note.

Sandra Clarkson (Dundee)

Dec 2019 Filed under: fault

Expert answer

Hi Sandra,

It shouldn't cause any damage, but it could indicate a weakness in your battery or electrical system, so it's best to have it looked at when you can. 

Read our Why won't my car's stop-start system work? feature for more information


Where to buy a used Nissan Qashqai?

I'm looking to buy a used Nissan Qashqai automatic car in the next year (three or four years old). I've been looking on Carzone, etc. and I can't find many stock from the dealers. Are there any auto dealers in Dublin or the Leinster area that would definitely be worth a visit? Also, is it worth importing from Northern Ireland and saving the money? If yes, please provide any dealers in NI too. I've very poor knowledge in searching for cars.

Thanks

Striker10 Striker10 (Castleknock)

Nov 2019 Filed under: choosing used car

Expert answer

Hi there,

We’ve managed to find a few automatic Qashqais in the roughly three-year-old range for sale in the Dublin area via Carzone.ie. If you did want to go north of the border, then probably your best bet would be the check out Charles Hurst in Belfast — they’re the main Nissan dealer for the area and usually have a good stock of used cars.


How much VAT on a Nissan X-Trail?

Just curious, how much VAT on a 2018 Nissan X-Trail?

Tracy Uzama (Tralee)

Nov 2019 Filed under: taxation

Expert answer

Hi Tracy,

Do you mean VRT? VAT, Value Added Tax, is only charged on a new vehicle, or on an import that’s younger than six months old, or has less than 6,000km on the clock. At the current 23 per cent VAT rate, you’d pay around €6,000 on a brand new Nissan X-Trail in VAT.

If you do mean VRT, or Vehicle Registration Tax, then for a 2018-registered X-Trail with the 1.6 dCi diesel engine, you’re looking at around €5,000 for VRT. If you’re importing after January 1st, then there’ll be the extra NOx levy to pay, which, with the basic X-Trail’s 40mg/km NOx rating, means an extra €200 on top of the VRT.


Lot of electric car questions for you...

Is there a map of the electric charging points available to the public in Ireland? Is there an app for this? Which brands sell electric cars that can be charged at home at night-rate electricity charges? Is the battery capacity of electric cars much improved and what range can you expect now as 2019 ends?

Sharon Jackson (Kiltegan)

Oct 2019 Filed under: electric cars

Expert answer

Hi Sharon,

OK, let’s deal with these questions one-by-one. There are a number of apps available that can give you the locations, availability and in-or-out-of-service condition of charging points. The ESB provides that through its e-Cars app, and there’s a very good independent one called Zapp Map, which also covers the whole of the UK if you’re planning any longer journeys.

All current electric cars (pretty much all brands will have at least one on sale by the end of next year, but for the moment the big players are Audi, BMW, Hyundai, Jaguar, Kia, Mercedes, Nissan, Renault, Tesla and Volkswagen) can be charged at home overnight on cheap rate electricity. The crucial question there is not the car, but your electricity provider and the tariff plan that you’re on.

Finally, battery capacity has been hugely improved in the past few years and, although that does come with a cost penalty, the average useable range of an electric car has gone up dramatically. Generally speaking you should expect to get at least 250-300km from most mainstream models now, with as much as 450km available from some of the more expensive cars.


Belt or chain in a petrol Nissan Qashqai?

Does a 2009 Nissan Qashqai 2.0 Acenta petrol have a timing belt or a chain?

Thanks

Kevin O'neill (Lurgan)

Sep 2019 Filed under: servicing

Expert answer

Hi Kevin,

That petrol engine in the Qashqai has a timing chain.


Are the Qashqai bumpers the same?

Can a 2012 Nissan Qashqai+2 use the bumper off a five-seat Nissan Qashqai?

Chris Mcdonagh (Roscommon)

Sep 2019 Filed under: bodywork

Expert answer

Hi Chris,

The front bumpers should be interchangeable (though you may find differences in style), but the rear bumpers are completely different. 


Economical auto and reliable for €6,000?

Hi there,

Could you recommend something for us around €6k that's economical, cheap to tax and reliable? We don't have a clue what to buy; it just needs reasonable room for two plus a child. Just to make things more challenging it needs to be automatic. Any directions you could point us in would be much appreciated!

John Smith (Roscommon)

Aug 2019 Filed under: choosing used car

Expert answer

Hi John,

OK, that’s a slightly tough set of criteria, but I think we’ve found some winners. How about a Honda Insight Hybrid? Ultra-low CO2 means ultra-low tax, it’s auto, Hondas run for ever, it’ll do 50mpg easy and there’s just about enough space for a family of three. Your budget gets you a 2010 model.

If you need something smaller, there are automatic Nissan Micras around for that sort of money, but you might find them a bit small for the wee one. Fancy something posh? You could try a 2010 Mercedes C 180 Estate, which we found, but the tax on that will be a bit higher. Something newer? A Skoda Fabia Combi estate from 2012? Reliable and tonnes of space in the boot. Cracking car.


What's the 1.2 petrol Qashqai like?

I am looking at the 1.2 N Connecta Nissan Qashqai from 2017 and was wondering what you thought of the engine? Is the car relatively big for a smallish engine?

Lee Thompson (Gloucester)

Jul 2019 Filed under: petrol vs. diesel

Expert answer

Hi Lee,

It depends on what sort of driving you’re doing. If you’re a low-mileage driver, and doing mostly short hops in and around town, then it’s about perfect. If you’re into doing longer journeys, then it’s not quite so good as it can get a little thirsty on motorway runs. 


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