Expert answer

Hi Paul,

We spoke to Volkswagen Ireland about this and this is what it had to say:

"Direct lenders (banks) and credit unions are supplying money (if at all) at around 9 percent - 10 percent.  Volkswagen are offering 5.9% so significantly under standard rates and hardly a rip-off. SEAT and Skoda for tactical reasons have decided to offer exceptional rates on certain model lines to push sales even harder and you can see that Volkswagen have also done that for Polo.  The rate is a decision by each Brand and used as tactical tool where appropriate."

I hope this helps!

Expert answer

Hi Ronan,

I reckon a Volkswagen Golf Van would do a brilliant job for you. You told us by e-mail that you have another €2,000 to spend on top of the value of your Toyota Avensis so I reckon this one could be a good option. 

The Ford Focus van is good too, but I don't imagine you want to be a two Focus family! If I was having a car-van I'd have a Golf. 

Hope that helps

Expert answer

Hi Des,

You've identified two great choices there. With our own money we'd buy the Skoda Superb Combi. It's a cracking estate car with a huge amount of room, great quality, good comfort and the 1.6 TDI engine is refined and economical. Unless you intend to tow regularly I wouldn't worry too much about the performance. This engine may not have a lot of power (105hp), but it has plenty of torque low down in the rev range, which is far more useful in everyday driving.

Admittedly, the Opel will feel faster and it's a nice car too, but make sure you test drive as many alternatives as you can. Where as Skoda only appears to offer one version of the Superb Combi that qualifies for the scrappage scheme, Ford has several Mondeo Estates that do - and it's a great car.

Worth paying a little more for is the brand new Volkswagen Passat Estate. It's a fabulous car and there are several Band A and Band B options.

If you need any more assistance come back to us of course.

Expert answer

Hi Brian,

From your description it sounds as if the heating element bonded to the rear window has been damaged in some way. Unfortunately there is usally no easy fix to this and it means replacing the whole glass panel, as it's not a part that can be removed.

Note that, if the window itself is cracked or broken it may be that your insurance will cover its replacement for a modest excess.

Hope that helps,

Expert answer

Hi Danny,

We've spoken to a few experiences mechanics and they've not come across this problem, all saying that the 1.9 TDI engine in general is very reliable. It does sound like an electrical problem though, so the easiest way to trace its cause is to bring it to a mechanic that has a proper diagnostic system. It should pinpoint the issue. It may be just a sensor or loose wire or something.

Here's hoping!

Expert answer

Hi Noel,

Two new models have been launched in the Skoda Yeti range and these make up part of a strong model line-up for 2011, which will include a new 4.9 per cent finance offering on Yeti models. Skoda, as part of the Volkswagen Group, will offer finance through its own bank.

The two new models in the Skoda Yeti range are a 1.6-litre TDI Greenline that has 105hp and replaces the 2.0-litre 100hp diesel. It has emissions of 119g/km, which means it sits in motor tax band A.

The car features stop-start technology, low-rolling resistance tyres and brake energy recuperation. Prices start at €23,165 for the Greenline Active, €24,125 for the Ambition model and €26,035 for the Experience.

Also on offer for the first time is the 4x4 version. It comes with a 2.0-litre diesel engine putting out 170hp and with emissions of 155g/km it sits in motor tax band C.

There are Ambition and Experience specifications available for this model and prices are €29,545 for the Ambition and €31,480 for the Experience.

Skoda sold 775,000 cars worldwide in 2010, but has ambitions to sell 1.5 million by 2015. It will launch several new models to the line-up between now and then.

A small A-segment car that will take on the Ford Ka and Toyota iQ will go on sale in 2013, followed by a replacement to the Skoda Octavia that same year. A new version of the Skoda Roomster comes in 2014 and that same year a new version of the Fabia will arrive.

The new Yeti models are now in dealerships. 

Hope that helps

Expert answer

Hi Peadar,

Firstly it is hardly a surprise that your Saab has served you so well. Those cars are so well-built that they can go on for what seems like forever. I'm sure you realise that you probably won't get much for your Saab, unless of course you were prepared to opt for a new car and avail of the Government Scrappage Scheme, but since you mentioned 2008 cars we will deal with those first. 

My first choice for you would be a 2008 Saab 9-3 Diesel. Since you have enjoyed your previous Saab so much and it has served you so well, I thought that this would be the best place to start. You can have a 2008 model, in Linear Sport spec, with just 44,000km on the clock from a SIMI-approved Saab dealer for €19,950. The emissions are 147g/km so it sits in motor tax Band C, so will cost just €302 per year in road tax. This car is really nicely specced too. Plus, you will most certainly get the best price for your own Saab from here.

Another fantastic car that might not have considered is the Subaru Legacy diesel, a personal favourite of mine. This car has a brilliant engine, is beautifully balanced on the road and nicely equipped too. You would pay around €20,000 for a 2008 model. They don't come up for sale very often and can be hard to find but they are super cars. 

The same sort of money would get you a Volvo S40, although my only issue with this car is that it might feel a little small compared to the others. The S40 1.6-litre diesel has low emissions however, so you will pay just €156 per year on road tax. This car is okay, but I don't think it's anywhere near your best choice here. 

The Avensis is a good solid choice and should be reliable and comfortable, but after having quite an interesting car in the shape of the Saab, you might feel a little bit like you sold your soul with the Toyota. You will save some money though. A 2008 model from a Toyota dealer will cost you under €18,000. Sure this car will be a safe choice, but I think it might bore you a little. 

You will save even more money with a 2008 Skoda Octavia Diesel, which will cost you under €16,000 and just €156 in road tax. They are nicely built too. Or in the case of a Volkswagen Passat, you should best avoid the 1.9-litre diesel and get a 2.0-litre one instead - the 1.9-litre diesel is noisy. So this 2.0-litre diesel with 140hp will cost you €18,500 and will still just cost you €302 per year in road tax. 

Another one to consider, and a very under-rated car, is the Citroen C5. The newer model is really good and comfortable and you could have a 2008 version for around €17,500. Here is one.

If you ask me which of this lot you should buy, I would say the Saab or the Subaru. The rest are fine, but if you loved your Saab then those two will be the most interesting for you. 

I hope this helps! 

Expert answer

Hi Maurice,

If I were spending my own money on something like this I would probably narrow my search down to a few key models. I would also look at something that was pre-July 2008 as the road tax is a little easier to stomach.  You didn't specify whether you need it to be a 4x4, because this does tend to make them a little harder on fuel.

The Toyota RAV4 isn't massive but it is seriously well put together and you could have a 2.2-litre 2007 model with low mileage for €17,950.

Here's an example on beepbeep.ie.

Road tax at €860 is still a lot though, so that might rule this out.

If you don't need 4x4, then a Nissan Qashqai is quite an obvious choice. You could have a 2009 model, with low mileage and road tax of a just €156 per year, for €20,495. These are popular for a reason, but forget about it if you need to go off-road.

Here's an example on beepbeep.ie.

Again, no four-wheel drive options for your budget, but you could have a Skoda Yeti, which is a great SUV with a decent 2.0-litre TDI engine for €22,750 - although I'd be pushing for closer to €20,000 in a cash deal.

You could have a Nissan X-Trail too, although they can be a little hard to find. They are really good value. Most are two-wheel drive but there are four-wheel drive ones about. This one is a two-wheel drive version, but at €18,500 for a 2008 model it is great value.

Finally, the latest Land Rover Freelander is much better than the model that went before it. You can have it with a 2.2-litre diesel engine and four-wheel drive and that would be in and around the right money.

Here's an example.

Out of this lot, I'd be inclined to go for the Nissan X-Trail.

Hope that helps. Let us know what you end up going for.

Expert answer

Hi Fergal,

The Ford Kuga is a great choice and is really good value now as a two-wheel drive version. With the problems we have been having with the weather you can see why people would want to choose the four-wheel drive one. You pay about a €2,000 premium for four-wheel drive and if we are going to continue to have the weather we have been having then it might be worth it. 

We also really like the new Skoda Yeti 4x4. We drove it last week and it is super. You can have one with all the bells and whistles for about €31,000. The new Kia Sportage is really nice looking too and you can get the 2.0-litre "First Edition" model loaded with kit for €31,495. 

There are lots of options around now for the right money. I think out of this lot, I probably would choose the Kuga because it has the best interior and best road manners. 

Come back to us if you have more questions and let us know what you decide upon.

Expert answer

Hi Noel,

That's a good shortlist. We've only tried Hyundai's new 1.7-litre engine in a Kia Sportage, but it's an improvement in terms of economy, emissions and refinement over the 2.0-litre engine we tested recently in the ix35. Saying that, the Skoda Yeti is one of our absolute favourite crossovers. In comparison to the ix35, it feels of better quality and is much nicer to drive. The 1.6-litre TDI engine is a good one, though the Hyundai may feel a little quicker.

The Skoda's looks will split opinion, but that one's up to you!

Hope that helps.