Is a PCP right for me in retirement?
I'm approaching 66 and recently had to retire. My state pension will be around €230 when it comes in March plus a small work pension of €57 a week. My car, an Audi A2, is a 2001 reg. It's showing signs of age and as it's an obsolete model services are expensive. I would have 3,000 maybe 3,500 Euros to put towards an upgrade. Can you advise me as to whether I should opt for a new car and a repayment plan or get a second-hand one?
Angela O'Sullivan
Angela O'Sullivan (Waterville)Jan 2016 Filed under: finance
Expert answer
Hi Angela,
I think a PCP plan would be entirely wrong for you, because they really only work if you're intending to come back in three years' time to trade in again. I'm guessing you don't want to do that.
Your Audi is worth about €2,000 so put that together with your €3,000 and we're looking at a budget of around €5,000. That's great because that will get you into a 2007 Honda Jazz - one of the best small cars around. It's spacious, comfortable, frugal and above all reliable. You simply can't go wrong with one.
Any pointers on the Nissan Tiida?
My budget for a car is €6k approx and the Nissan Tiida (2008 or 2009) 1.6 four-door manual petrol seems good value for money. I would do low mileage per year, mostly city/urban driving.
Any pointers?
Rita O'Keeffe (Dublin 15)Jan 2016 Filed under: choosing used car
Expert answer
Hi Rita,
The 1.6 is the right choice for city/urban driving right enough and the Tiida is a reliable old thing, and was one of the first cars to come with Bluetooth phone connection as standard. It's not very interesting though...
What to buy with up to €5,000?
I am looking for a medium size second hand car. My budget is €3,000 - €5,000. Which make/model is the most economical for road tax and fuel?
Sinéad O Sullivan (Tralee)Jan 2016 Filed under: choosing used car
Expert answer
Hi Sinead,
How about a Honda Civic? Your budget should get you into a 2007 model with the 1.4-litre V-TEC petrol engine. Frugal, reliable and spacious.
With €10,000 I need room for my bike, please!
Upgrading from a 2001 Nissan Almera 1.5-litre petrol. I cycle to work so only drive at weekends so thinking I should probably stick to petrol. I'd like to come up to a 2010 model with a maximum budget of €10,000. Maybe a hatchback to fit my bike; what do you recommend?
Claire
Claire Towey (Dublin)Jan 2016 Filed under: choosing used car
Expert answer
Hi Claire,
Well, with a bike, why not go for a compact estate instead of a hatch? Same driving experience and same running costs, but a bigger boot by far. Best of the breed is a Kia cee'd SW, which is hugely reliable and has a massive boot. With you just driving at the weekends, I'd say it's worth trying to track down a petrol model, rather than the more popular diesel.
Which year Hyundai i30 can I afford?
I have a 2006 Citroen C4 1.4 petrol with 120,000km to trade in. I want to buy a Hyundai i30 diesel 1.4. My budget is €10,000. What year of Hyundai could I expect for that budget?
Thank you.
Mary Tinsley (Newbridge)Jan 2016 Filed under: choosing used car
Expert answer
Hi Mary,
Your Citroen is going to be worth circa €2-3,000 so you're probably looking at a budget of around €12,500 to €13,000. That'll get you into a 2012 or 2013 Hyundai i30, depending on the dealer and the offer.
What runaround to get for €10,000?
Please advise on best value annual costs for a small runaround. Budget c. €10,000. Anticipate c. 15,000km per annum - some on quite rough country lanes. I anticipate keeping the car for maybe 6/7 years so diesel a prefered option but those I have looked at - from Volkswagen up!/Skoda Citygo/SEAT Mii stable, Hyundai i10, Fiat Panda, Suzuki Alto/Splash all seem to be petrol only.
Thank you
Charles Cooper (Collooney)Nov 2015 Filed under: choosing new car
Expert answer
Hi Charles,
Yeah, with a small car like that (a) diesel is not generally available and (b) it would push up the price tag so much that you'd never earn the difference back in fuel savings. Of the ones you're looking at, I'd go with withe Hyundai i10 - it's really comfy and spacious for a small car, and should be sufficiently rugged to deal with the roads you're talking about. Plus the five-year warranty should help to keep the running costs down.
Relevant reviews:
Toyota Auris or Renault Clio, with €10,000 to spend?
Hi, I am looking to buy a second hand car with a budget of €9000-10,000. I will be driving an average of 10,000 miles per year. I looked at a 2010 Toyota Auris petrol for €9,000, but have been told that this car is not very fuel efficient. I was looking at a 2014 Renault Clio petrol for €10,500, but again am unsure as to the fuel efficiency. Which of these two cars would you recommend and are there any others you could suggest that would be suitable for the mileage I will be doing and my price range?
Thanks
Louise Donovan (Limerick)Nov 2015 Filed under: choosing used car
Expert answer
Hi Louise,
You're looking at two very different cars - the Auris is considerably larger and more practical than the Clio, but both are actually pretty frugal. The 1.4 VVTi petrol or 1.33 VVTi petrol in the Auris is actually quite economical, as long as you drive it with reasonable care: 45mpg should be easily achieved in daily driving.
Should I switch my Ford Focus for a diesel car?
Petrol or diesel? I am looking to change my 2005 Ford Focus 1.4 petrol to something similar. I am averaging 40,000 miles per year and wonder what would be a good option for me. The budget is approx €10k.
Shirley Mulcahy (Portlaoise)Oct 2015 Filed under: petrol vs. diesel
Expert answer
Hi Shirley,
I think you need to be looking at diesel with that kind of mileage. A €10k budget would slot you nicely into a 2009 Honda Civic 2.2 i-CDTi (don't worry about the size: it's cheap to tax). It's ood to drive, massively spacious, economical and reliable.
There are also some Skoda Octavia 1.9 TDIs and Toyota Auris 1.4 D-4Ds around for this budget that are well worth looking at.
Which MPV will I replace our BMW 3 Series with?
Hi Shane & team,
We're looking at trading in again. You helped us source our last car four years ago. We really like our curent 2006 BMW 318, but for the last nine months to a year we've been pouring money into for what feels like constant repairs and the car tax is crippling too. We've now come to the realisation that we need to move to seven-seat territory for these and family reasons. Today we saw and drove both of these cars:
http://www.carzone.ie/used-cars/renault/grand-scenic/used-2010-renault-grand-scenic-1-dublin-fpa-200914374138165780 http://www.cbg.ie/citroen-c4-grand-picasso-1.6-2008-dublin-diesel-silver-mpv
The Renault felt more car like to drive and I wasn't wild about the delay in the Citroen semi-automatic gearbox. For the Renault they've said the cost to change is €6,500 and just under €7,000 for the Citroen. The Renault, being a 2010 model, is almost seems too good to be true. Can you give me any advice on these? Is the Renault a good buy? Is it reliable or will it swallow money on repairs as our current car is? Are there any others you would recommend? We really don't want to spend more than €6k-ish.
Thanks
Enda
Enda Lowry (Dublin)Sep 2015 Filed under: choosing used car
Expert answer
Hi Enda,
I'd tread carefully here. If you don't like the semi-auto box on the Citroen then just let it go - it's not going to get any better and it'll bug you for the rest of your time with the car.
As for the Renault, I'm just not confident predicting reliability. Generally, Renaults are now a lot better built than they used to be, but long-term they can still be a bit shaky. Also, the reason it's a high-spec 2010 model for such a small price is because Renaults depreciate faster than snow in summer.
So, I think you might need to shop around a bit and buy something on the basis of reliability and condition rather than year. Have a look at the likes of a Ford S-Max, Toyota Verso, Volkswagen Touran or, if six seats rather than seven will do the trick, a Honda FR-V. You might need to go back to a 2008 or 2009 model to get one within budget, but buy with a full service history and keep the maintenance up and any of those should give you long and hopefully reliable service.
Last, but not least, Shane, our Editor, is in the same position as you right now and he has homed in on the Mazda5, which has an exceptional reliability record.
Secondhand Honda CR-V or Nissan X-Trail?
I am looking for a reliable, spacious secondhand SUV that won't cost me the earth to run. I have a budget of €9,000 - €10,000. Will be used privately most of the time (12,000 miles per year, two kids and a dog), but need it for off road on a farm/laneways for cutting down trees and towing a trailer full of firewood every couple of weeks.
I am undecided between a 2008 Honda CR-V 2.2d AWD or a 2008 Nissan X-Trail 2.0d 4wd. I like the space in the X-trail but would the Honda give me less trouble? Also I see that the X-Trail comes in 150 and 175hp guises. What would best suit my needs and would there be much of a difference in running cost/fuel economy?
Any advice would be grateful!
K C (Cork)Sep 2015 Filed under: choosing used car
Expert answer
Hi Keith,
Both are excellent cars and the 175hp X-Trail's extra grunt could be very useful when hauling trees and trailers. That said, the Honda is still plenty grunty and a bit more plush inside than the Nissan. Actually this is a hard one to choose - I know from personal experience that the Honda is close to indestructible, but I also happen to think that the X-Trail is a really underrated car.
Coin toss so - go for the Honda.