Expert answer

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?

Expert answer

Hi Joe,

The last-generation S60 got a bit unfairly hit by various Irish tax regimes (it never had an engine under 2.0 litres for instance), but it's actually a cracking car - well built and superbly comfy, as Volvos tend to be. Keep an eye out for minor electronic glitches (the cruise control and electric windows seem to be vulnerable points) and if the engine is 'lumpy' when you're switching it off, you're looking at injector issues - expensive ones.

In terms of day-to-day running costs, it should do 44mpg with a manual gearbox (a little less with the optional automatic) and emissions of 175g/km mean you can tax it for €750 a year. That's pricey, but better than buying a pre-2008 model (2008-2009 was the last full year of production) when the engine capacity would land you with a €1,034 tax bill. One running cost to keep an eye on is front tyres. The S60 is quite nose-heavy and has a massive turning circle, things that tend to banjax the front boots. Check any potential purchase for worn rubber and budget for at least a new set every year.

Expert answer

Hi Jason,

Depends what you mean by 'best' really. I'm going to assume, though, that what you mean is the best all-round; something that's fun to drive and good to look at, but also spacious, reliable and practical with an eye on fuel economy, right?

In that case, and at that budget, you're looking at three main cars: Honda Civic, Volkswagen Golf and Ford Focus. All three are reliable and well made (the Civic the best in that sense), all three are good to drive (the Focus is the best to drive) and all three are economical (few cars are as good, real-world, on fuel as a diesel-engined Golf). Shop around, because there are loads of each one out there and your €6,000 will go a long way. Insist on a full service history and make sure you do a background check on the car if you're buying privately (we recommend Cartell.ie). Beware of silly boy-racer mods (especially on the Golf, but the other two are prone to such things too) and try to find something that hasn't been used and abused by a legion of crisp-munching kids.

Let us know how you get on

Expert answer

Hi Emma,

It's not bad, and the 207 represented a major leap in quality over the old Peugeot 206. That said, it's heavier (to the detriment of fuel consumption) and that folding roof mechanism can be worryingly unreliable. Keep an ear out too for any unhappy noises from the suspension - wheel bearing and suspension damper failures are common while a malfunctioning radio LED display in the cabin is an expensive, and all too common fix. 

In terms of a small SUV, that kind of budget will get you in to a Hyundai Tucson (very, very reliable but you'll only get a petrol version for that budget) or a Toyota RAV4 (likewise), both of which are fine purchases. You could think about going up a size to, perhaps, a BMW X3 or Mercedes-Benz ML-Class, but at that money you're into a world of potential unreliability so tread carefully.

Let us know what you go for

Expert answer

Hi Kal,

Right, you need to be aiming for an engine under 1.0 litres to keep the insurance costs as low as possible. If you're buying new, how about a Volkswagen up! or a Hyundai i10? Both excellent, both very safe. If you're buying used, stretch the insurance budget to a 1.2-litre engine and track down a nice, well cared for Nissan Micra - safe, easy to drive and ultra-reliable.

What do you think?

Expert answer

Hi Elaine,

If you want to stay with a small car then can I suggest tracking down a nice Ford Fiesta? Your €8k budget won't quite stretch to a new EcoBoost model, but the older 1.25 petrol engine is still a sweet, economical and reliable unit.

If it's maximum economy you're after then you need to think of a small diesel. How about a Peugeot 207 1.4 HDi? Hard to track down but 65mpg is easy.

Better yet, you could trade up altogether. €8k should get you into a nice 2008 SEAT Leon 1.9 TDI - hugely reliable, spacious, economical and really good to drive.

Let us know what you think

Expert answer

Hi Gary,

Are you perhaps being a tad unfair to your wife here? If it were a teenager you were talking about I'd say yes, keep the old car but as it's your missus, and you've got a decent bit of budget, why not get something spanky new to give her the motivation to become a truly great driver?

For that cash, you could get a really nice year old Ford Fiesta or Peugeot 208, both of which are terrific to drive and very economical. Go for the 1.2 82hp 208 or the 1.0 EcoBoost Fiesta. Or you could save yourself a bundle and buy brand new by downsizing. A Volkswagen up! or the new Hyundai i10 would make a perfect learner car and still be stylish and practical family transport when she's got her pink licence.

Expert answer

Hi there,

No major problems to report. The only mechanical malady that's been reported on the original Santa Fe is a juddering clutch, which was fixed by Hyundai in a recall. Other than that, they have a clean bill of health bar the usual checks. Actually, make sure you check for damage to the underside of the car - despite having four-wheel drive, they're not really designed for off-roading and could easily have been abused by a former owner in that respect.

One other thing - the original Santa Fe is dreadfully crude and nasty to drive. It's well worth trying to stretch your budget to get the post-2006 model, which is a superb car and far superior to the old one in every area.

Expert answer

Hi Richard,

The Alhambra would be my choice here. A budget of €6,000 won't get you the current model, but it should find you an old one and they're still good. SEAT's reliability is pretty solid and you should be able to find one at a lower mileage than an equivalently priced (and mechanically identical) Ford Galaxy. 

It would be worth keeping an eye out for a Ford S-Max too, though €6,000 is the very, very bottom end for S-Max prices, but keep your eyes peeled and haggle hard and you might just land a nice one. 

And, as I always advise anyone looking for a seven-seater, there's always the option of a Mercedes-Benz E-Class Estate with extra seats in the boot...

Expert answer

Hi there,

Both Corolla and Mazda3 would be good choices, but it's worth having a good look for a Honda Civic too. Best to max out the reliability factor when buying on a budget...