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Hi Steve, 

Here's an answer to a similar question:

http://www.completecar.ie/askusanything/question/397/Are-there-any-Band-B-4x4s

Depending on your budget, I think the new BMW X3 would be ideal. Perhaps the Skoda Yeti 4x4 would work if you are working off a smaller budget. Bear in mind that the most either of those cars can legally tow is 2,000kg (dependant on model), so whether they are suitable really depends on the weight of your horsebox - and horses of course...

Some versions of the Volkswagen Tiguan have a 2,500kg towing limit, but they fall into higher tax bands.

If you give us an actual weight to work with we can advise you further, but there certainly are not many four-wheel drive SUVs on the market that can tow more than 2,000kg and still be in Band A or Band B.

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Hi Caroline,

Paddy here. Given your budget, I would say that you need something that is going to be easy to live with, cheap to run and reliable. 

The Suzuki Swift is a really easy car to own. It is reliable, spacious, cheap to run (tax, fuel, insurance) and good value too. This one I have picked out because it has really low miles (10,000km) and is about half way up your budget: Suzuki Swift

Another decent buy would be a Ford Focus 1.4 - which is a really good larger family hatchback with a big boot. This one we found has just 34,000km on the clock, comes from a good dealership and the price is good: Ford Focus

At the upper end of your budget would be a Volkswagen Golf. They are really good investments because they hold their value well. This one again has really low mileage: Volkswagen Golf

I hope some of these are of interest. I think the Swift would be a super choice for you guys though. 

Come back to us if you need more advice though.

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Hi Emma,

I know this might seem like an obvious answer, but I would have thought that a main VW dealer would be your best bet. There are a number of 2005/2006 models on sale at the moment with varying prices, although obviously it doesn't need to be a main Volkswagen dealer as most outlets should be happy to take your Golf as a trade-in. 

Here is a Touareg 3.0-litre TDI with a V6 engine with 60,000 miles on the clock listed at €17,900. Depending on the condition of your GTI you might get offered between €4,000 - €5,000 for the car so you would need a balance of around €13,000 - €14,000 by our best guess. Bear in mind that the road tax on the Touareg would be over €1,300 per year. 

I hope this helps! 

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Hi Chloe,

The fact that you really seem to like your car would signify that perhaps you should simply change to the 1.7-litre diesel SXi version of your car and save yourself a few quid in the process. You will probably get around €11,000 - €11,500 for your car at current market prices, but that should leave you well placed to replace it with a diesel model without too much trouble.

There weren't too many SXI models in Ireland with diesel engines but there do appear to be a few Vauxhalls imported with this spec that might work for you unless you had any particular objections to driving a Vauxhall over an Opel. 

You could have a diesel version for in and around the same money so perhaps you could even get into a slightly newer model if you were prepared to invest a few more quid, but since money saving seems to be the aim here then maybe just swap into a diesel. 

Aside from that you could perhaps look at getting a Volkswagen Golf BlueMotion, which is incredibly fuel efficient. This would make a great buy for you really and something like this would be very cheap to run. 

I hope this helps,

Expert answer

Hi there Kevin,

I am not sure whether you are choosing a new or used car. There is a brand new Jetta just gone on sale and it is absolutely massive - quite close to the Passat. This would probably be the better of the two at the moment, but then there is a new Focus arriving in April.

The new Focus is really good too and that comes with a 1.6-litre diesel engine, while the Jetta also comes with a 1.6-litre diesel. I haven't driven the new Jetta yet personally here in Ireland, but we have driven it and I have driven the new Focus, which is brilliant. 

Out of the two, if I was doing lots of mileage, then the Jetta would probably be the better of the two, but without totally sitting on the fence the best thing to do is to try them both for yourself.

Let us know how you get on.

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Hiya Kevin,

Well it depends on what you covet most about your car. If you want something that is decent fun to drive on a back road as well as one that is comfortable then the Mondeo is still the better buy in that regard. The Passat feels more upmarket though and more like an executive car.

I would say it is probably more comfortable on a long journey than the Mondeo, so if you do a heap of miles and spend a lot of time in your car you might favour the Passat. Since they are both 2009 models you are talking about, me personally, I'd have the Passat, although you need to check it carefully. That electronic handbrake was a real problem area in some cars so make sure it all checks out. 

I hope this helps! 

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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 Jane,

First things first. The petrol versus diesel debate. Everyone is very caught up on diesel cars right now and that makes a lot of sense when you are buying new because they have lower road tax, but since small cars tend not to use a lot of fuel, the road tax should be quite low anyway. The mileage you are likely to do might warrant a diesel, but the diesel small cars tend to be a lot more expensive, so in this case I would say that a petrol model would do you fine and still won't cost the earth to run.

The VW Polo is an excellent choice because it is really nicely built and holds its value well too. I did a search for ones with the lowest mileage within your budget from main SIMI dealers (so there is more security and better history checks on the car). A 2007 Volkswagen Polo with just 15,000km on the clock is within your budget and would be a really nice buy. It would be dead cheap to run too. 

This 2008 Ford Fiesta is really nice too; with 11,000km on the clock so it is practically brand new. This is a five-door model so it might be a little more practical. It is at the upper end of your budget but you wouldn't pay the advertised price. 

One I would love you to consider though is the Suzuki Swift. It is a smashing little car. It is really reliable, cute, nicely built and fun to drive. It's a 2008 model with low mileage for less than €9,000. 

I've always had a bit of a soft spot for the Renault Clio (it was my wife's first car and it was great) and you could find another one with ridiculously low mileage for less than €9,000 too. Here is one I liked the look of.

You wouldn't really go wrong with any of these. Personally, I'd be really tempted by that low-mileage Polo as a long term investment because you will always get a good bit of your money back. 

I hope all that helps