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Hi Kaara,

Caddys are really good, no question and one of them should definitely be top of your shopping list. It's also well worth looking at a Citroen Berlingo, Renault Kangoo and Ford Transit Connect too though.

As for common Caddy problems? Look out for fuel injection and air mass sensor problems on older models and make sure anything you're looking at comes with a full service history. 

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Hi Declan,

That's an impossible question for us to answer I'm afraid - it's all down to the leasing company and what it says. You might have more luck with the likes of Volkswage, SEAT or Renault as they use their own in house banks who are more likely to say yes than a high-street financial institution, but if you've got bad credit then that's something you're going to have to work on. 

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Hi Briege,

OK, couple of things to deal with here.  No, your repayments won't change as your car ages - the repayments on a PCP deal are fixed from the start and run for the life of package.

Actually, if you get a bank loan, you own the car from day one because you're paying cash (or cheque I guess) up front - you just have to keep paying the bank back the money and, when you come to sell the car, the entire second hand value is yours. 

That's the point of a PCP really - it insulates you from unpredictable depreciation because you know what the value of the car will be at the end of the agreement and the leaving of the bubble payment to the end reduces the cost of the monthly repayments. 

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Hi Brendan,

There is no specific market data for Ireland in this respect. The old rule of thumb still holds true - if you want ultimate reliability, buy a Honda, Toyota, Nissan, Suzuki, Subaru or Mazda. You could probably pretty easily add Kia and Hyundai to that list too now.

The best I can do for you is to point you towards the results of the JD Power Vehicle Dependability Study for the UK market in 2015. An independent research agency, JD Power ranks the various brands surveyed by problems per 100 cars - although it's worth remembering that those problems can range from minor electrical niggles to total engine failure, so you can't read everything into the stats. The last set of figures, ranked from best-performing to worst, were:

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Hi Elaine,

I don't think the Fusion is going to be much good to you if you reckon you need an MPV - it's basically a slightly taller Fiesta and not all that roomy. Have a try and see if it'll fit your needs.

As for another Scenic, sad to say they're just not the most reliable things around. Have a look instead for a Toyota Corolla Verso, a Volkswagen Touran, a Kia Carens or a Mazda5. You'll have to look hard to find one within budget but they are out there.

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Hi Libby,

The Caddy Life is actually a really good choice - hugely versatile and not at all bad to drive, for a car based on a van. It's also worth looking at the Citroen Berlingo (similar, but doesn't have the long wheelbase Maxi Life option) or the Renault Kangoo. If you fancy something a bit more comfy and car-like, have a look at a Ford S-Max or the SEAT Alhambra.

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Hi Niamh,

I'd go for the Polo - of the three you're looking at it's the one (all things being equal) that's likely to be the most reliable. One thing though - you'll have to change it again next year as then it will be 10 years old and it's now proving almost impossible to get an affordable quote for a 10-year old car. 

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Hi Catherine,

Go for the Skoda; assuming that it's in good shape and has a decent service history as it'll be the most reliable of the bunch.

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Hi Adrienne,

OK, let me take that section by section...

(A) Most small crossovers use 1.5- or 1.6-litre diesel engines so you're going to average between 40- and 50mpg in any of them. Ignore the official consumption figures - they're not representative of real-world driving.

(B) Standard spec on most will include at least air conditioning and probably Bluetooth, but the items you've listed will push prices up into the €25-30k region.

(C) Kia, Hyundai and Mitsubishi have the best warranties on the market at the moment - seven, five and eight years respectively. Ford, Renault and Peugeot all offer five-year warranties too, while Fiat offers a four-year one. Most others have three-year cover. In terms of reliability, Japanese and Korean brands will almost always beat their European and American competitors.

Of the cars you're looking at, I'd say the strongest contenders are Honda's new HR-V, the Jeep Renegade, the Peugeot 2008 and the Kia Soul. All well worth a look.

Relevant reviews:

Honda HR-V review

Jeep Renegade review

Peugeot 2008 review

Kia Soul review

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Hi Aaron,

I'd tread very carefully. Although the engines in the Megane II are pretty robust, any and all of its electrical and electronic systems are suspect to say the least, and the suspension is prone to failure too. Only buy if it has a seriously flawless service history and appears to be in perfect condition - and even then I'd be wary.