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Hi John,

Sorry to hear you're still having trouble, but if it helps, you're not alone. Aviva (along with Allianz) have announced that they're no longer going to provide cover for new customers with cars older than 14 years. Now, in a statement last week, the company did say that it would continue to cover existing customers with such cars, and would provide cover for existing customers purchasing such cars, but from what you're saying there it seems that Aviva simply doesn't want your business anymore and is therefore giving you quotes deigned to push you into either replacing your car with something younger or moving to another insurer. 

Thankfully there are plenty of such insurers out there, so I'd say give customer loyalty a good kick up the backside (it's a worthless thing these days anyway) and get yourself a better quote from elsewhere. There are insurers out there who will cover you. I've just put a few random details into the One Direct system for instance and got a quote of €840. Too expensive? You'll just have to shop around but the best bet for you could actually be to find a good local insurance broker - they can get access to deals and policies denied to us mere mortals. Beware though, the unfortunate and inevitable downside of Avivia and Allianz's decision is that other insurers are going to start putting extra risk loadings on older cars, so your premium is probably going to be pretty expensive wherever you go.

A representative of AXA insurance asked to be put in touch with you, so hopefully that goes well.

Read the news story about insurance on older cars here

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Hi there,

If you mean the all-new models, the replacements for the current Mégane and Astra, then yes, there'll be a massive difference. They're two entirely different cars built to different specifications in different factories by different companies. OK, so they're both mid-size family five-door hatchbacks, but that's where the similarities end. Obviously, we cannot say for certain yet, as we've driven neither car in final production spec, but the current cars differ quite a bit. The Astra feels classier and better built, the Renault is rather more engaging to drive (in spite of every rubbery steering). Will those characteristics carry over to the next models? We'll have to wait and see...

Here's our first news story on the new Opel Astra

Expert answer

Hi John,

Your best option is probably to break it for parts. As a complete car it would probably only be worth around €750 even if the engine hadn't blown. With no engine its effectively worthless so your best bet is a car breaker who'll buy it for spares.

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Hi Syd,

It's a split decision I'm afraid - the Scenic is going to be much comfier and more refined, but the Opel will be the more reliable one. You'll have to make your own call based on what you prioritise most.

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Hi John,

Yeah, €12k sounds about right for a 12-reg Insignia diesel, as long as it has a full service history and is in good nick. I'd be looking to knock a good bit off if it's as far back as an 09, though.

Sadly, you're not going to get much for the Laguna - it's a car the trade just doesn't like much, so even if it's in exceptional condition, you'll probably get €1,000 to €1,200 at best.

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Hi Gerry,

OK, lots of options here. Seven-seat SUVs are the coming thing and Hyundai's Santa Fe is one of the best. Lots and lots around for that kind of money so be choosy and buy the most recent one you can, so as to make the most of that five-year warranty.

The rear seats are a little tight though, so maybe look at a Ford S-Max. Big, spacious and really good to drive, you'll probably get a good deal on a nearly-new one at the moment as there's an all-new version about the be launched.

Or you could go all-out and get a Land Rover Discovery, which is a wonderful car but don't say I didn't warn you when it comes to running costs, and you won't find a two-year old one for that money.

Relevant reviews:

Hyundai Santa Fe review

Ford S-Max review

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Hi Denise,

No, you should be OK. Renault reliability and quality has come on a long way since the bad old days of the early 2000s. Check it out carefully and make sure it has a full service history.

Relevant review:

Renault Fluence Z.E. review

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Hi Shane,

It's complicated because some of the providers are also providers to the providers - for instance Bank of Ireland provides the finance for many of the car companies themselves. 

Generally speaking though, it's a list of the usual suspects - AIB, Bank of Ireland, Permanent TSB, Ulster Bank and the Credit Unions followed by the big car company banks - Volkswagen Bank, Renault Bank, BMW Finance. There are some leasing companies too such as Lease Plan but they don't really work with individuals.

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Hi Jacqueline,

I wouldn't wait for the Ka. It's being designed primarily for Asian and low-cost markets, so it probably won't be the most refined, comfortable or high-tech. That's perhaps jumping the gun on the review a bit, but it's certainly likely to be the case. Of the cars you've listed I'd say the Hyundai i10 and Skoda Fabia are the standouts. They're quite different cars (the i10 is significantly smaller than the Skoda), but both are excellent to drive, well-made, reliable and offer excellent value. Have a try of both, and see which one suits your needs, size-wise, better.

Further reading:

Hyundai i10 review

Skoda Fabia review

Peugeot 208 review

Renault Clio review

Toyota Yaris review

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Hi Dave,

Well, it's been a few years since we drove one... The RX4 was Renault's idea of an SUV based on the practical family friendly Scenic. It had higher ride height, plastic bash-panels and permanent four-wheel drive. 

If you're thinking of buying one check the electrical systems very carefully and also check the suspension, as it could be very fragile. The cabin is a weak point too with disintegrating trim. Also, as it's a practical 4x4, check for abuse at the hands of builders and the like using them on sites.