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Hi Andy,

I take it you mean from an insurance point of view? No, late thirties shouldn't be a major issue as long as you have a decent no claims bonus. As far as the car is concerned, I think you need to box a bit clever here. The kids are only going to get bigger (trust me, I know...) and you'll need something with a decent boot and big back seats for increasingly long legs. So, get yourself a Skoda Octavia RS. They've been around since 1999 in original form, but you need to be looking at the second-gen model, from 2006 onwards. Go for that and you get a car with excellent handling, a terrific engine (the diesel one is more economical, obviously, but the petrol 2.0 turbo is still reasonable in terms of running costs) and the boot is as big and practical as you could possibly need. They're also solidly reliable. It's the thinking man's hot hatch.

What do you think?

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Hi David,

OK, if you're determined to go diesel and you need a reliable 60mpg plus then the only safe option is to get yourself a Golf BlueMotion. Your Polo plus your budget should get you easily into one, but you have to remember that getting good fuel economy is actually all about your driving style. We recently managed to get better than 60mpg out of a 1.2 TSI petrol Skoda Rapid, and that was with four big blokes on board...

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Hi Bernard,

Oddly, they're identical. According to the official figures both the 2001 1.8 turbo 150hp Golf GTI and the 2006 Octavia RS 1.8 turbo 180hp return 35.3mpg on the combined cycle.

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Hi John,

Yup, a small diesel sounds like it should be ideal for you. Depending on what kind or size of car you need I'd recommend either a MINI Cooper D 1.6 (small and sporty), Opel Astra 1.3 CDTi (slower, but more spacious), Toyota Auris 1.4 D-4D (similar to Opel but probably more reliable) or that old favourite the Volkswagen Golf 1.6 TDI BlueMotion (ultra economical). Or, if you need more space how about a Skoda Octavia Combi estate 1.6 TDI or a Citroen C4 Picasso 1.6 HDi?

Help us with your needs and we'll narrow that down a little!

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Hi Noel,

It's probably pretty much neck-and-neck. Toyotas are legendarily reliable and well-made and there's nothing in the history of the current Avensis to suggest that it's anything other than that. Likewise, the Octavia; Skodas tend to do extremely well in owner satisfaction surveys and while part of that can be put down to the switched-on customer service nature of the brand's dealers, there's no doubt that Skoda's Czech factory turns out some beautifully made products. Nothing between them, really.

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Hi Vittorio,

Oooh. Aargh. Ummm. God, this is actually a real toughie as I utterly adore both cars and they're both ideal picks. 

OK, I'll lay out the pros and cons and you'll have to make your own mind up from there.

The Octavia will likely prove to be the more reliable in the long term and is much more spacious and practical than the Beemer. The 320d, by contrast, is much sweeter to drive thanks to all the usual BMW rear-drive balance and it does have a nicer interior. 

To be honest though, I'd grab either with both hands and not let go. See which one you can find that's in better condition or is better value.

Let us know what you decide

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Hi John,

Well, an A4 is much more expensive than the Octavia, so that would seem to answer the question. The Octavia uses many of the same components, it’s reliable, decent to drive and very practical so why spend extra? Of course, the Audi is more stylish, sharper to drive and more refined, but it depends on what matters most to you.

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Hi Mark,

In simple terms, the Skoda Yeti.

Hope that helps

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Hi Seamus,

A Mondeo 2.0 TDCi is, frankly, a great choice - spacious, comfy, well made and superb for that kind of long-haul journey. Just as a suggestion though, it may be worth coming down a class and having a look around, just as a way of potentially keeping your running costs as low as possible. Perhaps a Honda Civic diesel or a Skoda Octavia TDI? Both are massively spacious (so would carry your height with plenty of space behind for baby seats etc.), but would also be a little cheaper to run than the Mondeo, and almost as comfy on the long haul. Worth a thought, but if you fancy the Mondeo, go for it. Buy one with a full service history and you won't go wrong.

Let us know which way you go in the comments below.

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Hi Angela,

Sounds to us like a dead battery. It might come back to life if 'jump-started' and then driven for a while, but it's possible that it needs to be replaced completely.