Expert answer

Hi Pete,

You don't mention the mileage or condition of your Focus, but the value to a dealer could be anything from €1,000 - €2,000 depending on those factors and what you are trading the car in against.

I think that with your 100km a day you are probably better off with a diesel car in terms of saving money on fuel. There are a few options in your price range. The Volkswagen Golf Diesel is one option. We like this 2006 model with really small mileage on it for €13,750.

But down in Cork there is probably a better buy in this 2007 Ford Focus 1.6-litre diesel (which is a better engine than the 1.8-litre unit) and this car has just 16,000 miles on the clock and is within your budget we would hope. If you liked your Focus before then I am sure you would love this newer model and at the price and mileage it would be hard to ignore.

Expert answer

Hi Marie,

We had a chat on the phone to get more information and now know that you would prefer to sell the L200 privately and use the cash to buy your next vehicle, so your budget is about €10,000 - €12,000.

The difficulty in getting something with height is that the SUVs going back a few years tended to be diesel with fairly large engines, so before 2008 these engines were in some cases cheaper to tax than they are now. Emissions were higher, but you were charged - as you are probably aware - for the size of your engine. I'm sure you don't want to get landed with a high road tax bill per year, but we will explore some options. 

The first is a 2004 Toyota RAV4. There is a model in a dealership in Louth, which I realise is quite far from you, but this diesel model is a beaut and is at a SIMI dealer so this brings with its some safeguards. This RAV4 is under €10,000 and has low mileage, though is going to cost €823 to tax each year. 

The Kia Sportage fiesel would be a great little buy for you. This small SUV has proven to be very reliable and very well liked by owners. This one in Cork is a little over your budget, but as a cash buyer I would think you could bargain down the asking price of €13,900. 

A car that you might not have thought of, but I have always rated as a good little car, is the Fiat Sedici. This small SUV has four-wheel drive, a diesel engine and is cheap to buy and run. We found a 2009 model in Laois with just 23,000 miles on the clock and the asking price is just €11,750. This would be a nice little runabout and it still retains some of the height of the SUV. This will cost you €447 per year to tax. 

Another good choice, although the annual tax will be the same as the RAV4's, is the Nissan X-Trail. This is a really nice example from 2005 that has a 2.2-litre diesel engine and would be a nice vehicle to own. Again, if you couldn't cope with the high annual road tax then it might not be the best option for you. 

I'd be inclined, if it were me, to buy that RAV4, as it would be a nice vehicle to own. 

I hope this helps!

Expert answer

Hi Mary,

A 2007 TDi Golf with your mileage would retail at a main dealer for about €13,000 - €14,000. You will most likely get offered a bit less than this, so perhaps you could expect around €12,000. You don't mention a budget but we can give you a few ideas. Most of the equivalent cars, post 2008 will be cheap to tax. 

For example, a 2009 1.6 TDi Golf, which has emissions of 118g/km (Band A) would cost you around €22,000. Here is an example of one from a main dealer in Naas. This would also be the newer shape model too, although I am not sure you want to go for another Golf? You could get something of a similar theme with the Skoda Octavia. A 2008 model like this costs around €17,000 and would give you a little more space and would still be in Band B with road tax of €156. 

Something slightly more SUV-like would be nice too. The Nissan Qashqai has a great reputation and owners love them. You could have a 2008 Qashqai, like this would cost around €19,000 and this example here has very low mileage. This still has emissions of 139g/km, so would only cost €156 to tax each year. This would be a great buy and isn't a major jump, financially. 

I think you might like the Qashqai, so perhaps you should give it a go?

I hope this helps. 

Expert answer

Hi Richard,

Firstly the car needs to be safe; it needs to be good value; and it needs to be reliable. We tend to encourage buying from SIMI dealers because you do have a little more comeback and the cars tend to be a little better, so having a look on the beepbeep.ie website we found a few options. 

The first model we have chosen is the Toyota Yaris, which will be ultra reliable and painless to run. There is one in Ardee that is within budget (you should get it for less if you haggle) and while this 2003 model has done 89,000 miles it will be capable of a whole lot more. 

I really like the Ford Fiesta and the model that was around in 2003 onwards is a great little car. This Fiesta is right on budget. 

The Renault Clio from 2004 was a lovely wee car and this one here has just 46,000 miles on the clock. I think they really suit young women, as they are rather chic. 

I guess the sensible choice here would be the Yaris, but I would probably have the Clio. 

Hope that helps

Expert answer

SIMI are the Society of the Irish Motor Industry and as such, buying from one of its members is the closest you can get to total security when buying a used car. Of course there are no guarantees when buying a used car but at least here you are getting a car that has gone through a thorough car history check, and the dealers also have signed up to SIMIs code of conduct so they are answerable to a higher power. 

A spokesperson for SIMI outlined some of the benefits of buying from a SIMI dealer. "SIMI have high membership standards. To become a member of SIMI the garage must pass an audit and inspection. The dealer must submit among other documentation a tax clearance certificate, proof of planning permission, and be nominated by 3 existing members. Should a dispute arise we have a standards department that will investigate the consumers complaint. The first step is mediation between the customer and the garage. If that does not resolve the issue we have an independent tribunal that is headed up by a former rights commissioner and also a consumer group. The tribunal decision is binding on the SIMI garage."

Cars from SIMI dealers tend to be better, but this is not to say that there are not good independent dealers who choose not to become members of the SIMI and pay their fees. There are good independent car history check websites around such as Cartell.ie and Motorcheck.ie and for a fee there are several layers of check you can do on these cars. So, no, we wouldn't say to avoid non-SIMI dealers, but SIMI dealers do come with some security as-standard. 

If you want to come back to us with an idea of your budget and needs, feel free and we will guide you a litte bit more.

Expert answer

Hello Pat,

As a trade-in it would probably be accurate enough to assume that your Volvo would be worth about €2,000, although you might get a little more if you sold it privately.

When you say the Skoda Combi I am assuming that you mean the Fabia Combi, which is Skoda's small estate model. It is indeed a nice little car, but perhaps something of an odd-ball and it might not be the best car to choose if you are focusing on resale value. 

There is really only one car that stands head and shoulders above the rest when it comes to residual value in the small car segment and that is the Volkswagen Polo. If you look back at the classifieds you will notice that these command a used price significantly higher than any other car in the class, so if you are buying with a view to the car being worth something in five years, this is where you should be putting your money.

It isn't necessarily the best car in the segment though - for us the Fiesta would claim that particular title. There is no doubt that if your budget is restricted then you won't get a Polo with tons of equipment thrown in and it might be shorter on power than some of its rivals, but I'd go for a 70hp 1.2 Comfortline Polo in a safe colour (silver, black or red) and you will get decent money for this car in five years time.

I hope this helps

Expert answer

Hi Alan

The scrappage scheme has been good news and as you might have seen today SIMI is calling for an extension of this. Unless this happens, there would be no point in you getting a new car at the end of the year under scrappage because the €1,500 that you would get off this in the case of something like an Insignia would not be as much as you could lose eventually by buying a car later in the year. 

Sure enough, you could buy the Laguna and get €3,000 off. It isn't an awful car, but there really isn't anything remarkable about it and I personally wouldn't spend over €20,000 on one. I actually think the Renault Fluence is a better buy than the Laguna and it costs much less. It is a fine big car and really well equipped. 

However, with your budget we could do a whole lot better. Supposing that you get at least €1,000 for your Corsa, then you still have a generous budget. There is always the temptation to look at the German cars and as long as you realise that these can get pricey to service and run as they get older, they can be a great buy. 

You have a staggering amount of choice. For sheer ease of ownership I have noticed that Lexus IS models are really good value now. You can get a 2008 IS 220d for under €25k and that would be a pretty nice car to own. Here is an example. 

If you were buying new or almost new, this 2010 Subaru Legacy diesel is also within your budget. 

However, you could go a little larger and get yourself a 2007 BMW 520d. This example is from a main dealer and has tiny mileage and would be a really nice car to own. It has done just 20,000km and is an automatic too with a nice spec for just €28,000. I would find it very hard to pass up on this car to be honest. You could opt for one with a manual gearbox and get lower road tax, but to be honest, this is where my money would go.

I hope this helps

Expert answer

Hi Mark,

Thank you for contacting us. I can understand your dilemma in that you are going to be using your car quite sparingly, but you need it to be something that can last a long time. We know from speaking to you since that you have a Ford Focus that you might sell privately or hope to get around €2,000 for as a trade-in, so given that your budget is around €10,000, which is decent enough.

I take your point on the Ford Focus diesel estates. They tend to have quite hard lives as many are bought by business users more so than private individuals and they often have mega miles on them and hence can be tatty. They also often have the older 1.8-litre diesel, which is a bit of a tractor to be honest.

You mention that you are going to be keeping this car for about five years, so as such I wouldn't worry too much about whether petrol cars are falling out of favour because your used car is unlikely to be worth a whole lot in five years with another 50,000km on the clock.

You don't really do a lot of miles per year anyway, so running a petrol car might not end up being too expensive. Also you could perhaps look at buying something with slightly higher mileage (as long as it is diesel) because these cars would be well able to put up with your low mileage. For example, you mentioned the Volkswagen Jetta, which is a fine car. You could have a diesel version, with slightly more mileage, for well within your price range. Here is one from a SIMI dealer for €8,900.

I would be inclined to go for a VW Golf with your budget. You could have a 2005 model with low mileage for €9,000. This one here caught our eye. It comes from a main dealer and will have a good warranty. These cars will put up with lots of mileage and are also likely to hold their value well. This example would still have lots of life left in it after 50,000km and might actually be worth a few quid too.

I hope this helps. Come back to us by adding comments below if you want to discuss this further.

Expert answer

Hi Stephen,

If you have owned a BMW 5 Series before then you might want a change. The 6 Series is a good car, but like anything else in BMW land when it gets a little older repairs can start to become expensive when things go wrong. I personally wouldn't go near one unless it had a full set of BMW service history stamps and unless I could budget another few thousand for things that might go wrong.

This one here is in a main BMW dealer so will have all the right history and paperwork and is pretty nicely equipped too. It is a little over budget, but I would be shocked if they weren't flexible on a 3.0-litre petrol car these days! The mileage on that example is also very low for the year. These cars have great handling and are usually generously equipped too. Remember though that it will cost quite a bit to run, both in terms of road tax and petrol costs.

Now, for alternatives. You did mention Lexus and the GS 450h hybrid is a wicked car. It is very, very fast, superbly equipped and comfortable. It will be ultra reliable too. You could have this one here, a 2007 model, for €25,950 and it would be a superb car to own. It actually does pretty decent fuel economy too. I'd prefer this to the 6 Series myself.

Or, you could enter Porsche ownership and have the brilliant Boxster S like this example in Galway that has the better engine and comes from a good home. Again, ignore the sticker price, as it is a buyers' market right now. I think you should own a silly car once, so unless you have cots and prams to carry about, I'd be tempted by the Boxster. It isn't going to annoy anyone any more than the 6 Series is.

The UK can be a minefield, but we wouldn't ever rule it out and I myself have bought cars there. What I would say is that the more research you do (and use history checks like motorcheck.ie) the easier it is.

As regards buying new, well you are likely to only afford something pretty dull and I think that you would not be too pleased coming out of a 5 Series. You seem to like interesting stuff.

If it was me, out of that lot I'd probably have the Boxster, but if I needed more practicality, the Lexus.

Hope, this helps. Feel free to come back for more odd suggestions.

Expert answer