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Hi Joy,

I'd go for the Yaris, if only because it's fractionally less likely to give any trouble than the Polo, but to be honest it's a close run thing in that regard. A nice 2005 model with an automatic gearbox (if she fancies) can be snapped up for between €5,000 and €6,000.

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Hi Ann,

I'm afraid the CT 200h's residual values aren't that great. The general buying public is still a bit suspicious of hybrids (the popularity of the Prius notwithstanding) and the CT's poor day-to-day fuel consumption marks it down relative to the likes of the rival BMW 1 Series and Audi A3. 

It's also quite cramped inside, with tiny rear seats and an almost useless boot. If you're looking for a classy small hatch, better stick with the Audi A3 or save yourself even more and get a nicely specified Volkswagen Golf.

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Hi Gus,

Around the €12,000 mark should get you a nicely specified 1.6 TDI, probably in Comfortline spec. That's the best one to go for, although if your annual mileage isn't that big, you could consider the also-excellent 1.4 TSI petrol version.

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Hi Robert,

Depends on the problem and depends how it was fixed. If the entire ECU has been replaced then the problem is unlikely to recur. If it was repaired then there's always the possibility that it will. Also, worth remembering that electrical or electronic issues often get the blame for deeper mechanical problems. If the issue recurs it could be worth investigating other possible causes.

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Hi Rory,

Both cars use dual clutch semi-automatic gearboxes, which are pretty slick-shifting, but Volkswagen's DSG transmission just edges it for smoothness and quickness. 

On the emissions front it's rather bad news I'm afraid. If you're buying 2008 model year cars then you're looking at emissions of 189g/km for the Mondeo 2.0 TDCi Powershift and 175g/km for the Passat 2.0 TDI DSG. That means tax of €750 a year.

It gets a bit better if you can spool forward to 2010 when the Passat's emissions drop to 158g/km so that means a tax bill of €570 a year. 

Just for reference, the Mondeo 2.0 diesel auto gets an official 39mpg while the 2010 Passat with DSG gets 47mpg.

To be honest, if you can live without an automatic gearbox you would be better to go for the 1.6-litre diesel versions of either car. Both have decent performance and much better economy and emissions. For instance, a 1.6 BlueMotion Technologies Passat gets 62mpg and has emissions of just 118g/km so tax of €200 a year.

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Hi John,

I'm going to be predictable and say you should get a Volkswagen Golf. A budget of €3k would definitely get you a MkIV 1.9 TDI model and you may even just scrape into a MkV, which would be even better again. Just track down one that's been looked after and serviced regularly and you should be fine.

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Hi Paddy,

There aren't any major reported problems on the 1.4 TSI petrol Passat, but just watch the fuel consumption; it's a big car with a small (albeit turbocharged) engine so you may need to work it harder than you think to keep up with traffic. The DSG gearbox can give some problems though. Take a test drive and make sure that the automatic changes are crisp and almost seamless. If not, suspect a dodgy box an walk away.

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Hi Lee,

You've got to keep the engine size down, basically, if you want cheap insurance, but we would also suggest getting something that's good to drive, simply because exposure to good vehicle dynamics early on makes better drivers of us all. So, probably the best balance is to go for a Ford Fiesta 1.25. There are loads of them around and they're cheap to run, decently reliable and very safe. It would also be worth tracking down a Suzuki Swift 1.3, as they're fab to drive and close to indestructible.

However, if even those engine sizes are running the insurance bill up too high, then you need to think  smaller and go down to a 1.0-litre engine. In that case, I'd suggest either a Toyota Aygo (or a mechanically identical Citroen C1 or Peugeot 107) or, if the budget will stretch, a Volkswagen up!, Skoda Citigo or SEAT Mii.

What do you think?

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Hi Brian,

That's a little bit tricky at the moment as there isn't currently a 'Match' spec Golf in Volkswagen's range. The current Mark VII Highline Golf though is the ritziest Golf you can buy short of getting a GTI or GTD. Over and above a standard Golf, you get things like 16-inch alloy wheels, a leather-wrapped, multi-function steering wheel, front fog lights that include a cornering function, auto headlights and wipers, sports seats and nice trim on the seats and dash.

When the last Mark VI Golf Match was around, it included (for a relatively small extra outlay over a standard car) such items as automatic lights and wipers, cruise control, front and rear parking sensors, USB and iPod connectors, a digital radio, a trip computer and alloy wheels. The current Golf probably won't get a Match version for a year or two yet but keep an eye out for when one arrives as it will probably be quite a good bargain.

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Hi William,

Ford is swearing blind that the all-new Mondeo (which has already been on sale for two years in the US as the Ford Fusion) is finally coming to these shores in the autumn of this year. The delay is being explained by the need to move the Mondeo's production line from the Ford factory in Ghenk, Belgium (which is being closed down) to Valencia in Spain.

Many of us car critics have pondered though whether or not Ford is simply stalling to try and let the European passenger car market recover before it introduces such a significant new model. If so, job done it would seem.

The new Passat is a little further away, but should be here by mid-2015 at the latest. Prototypes of the new car are already pounding the roads and test tracks of Europe racking up mileage and it's likely that we'll get a first look at the new car (which will be based on the same MQB chassis system as the current Golf) at the Paris Motor Show this September.

In the meantime, it's worth pointing out that the current Mondeo and Passat are still cars operating at the very top of their game and with new models on the way, it's likely you could argue yourself a decent deal on one.