Expert answer

Hi Gerry,

In terms of tax there won’t be any changes before the Budget in October, and there are unlikely to be major changes then. There have been rumblings of a change in the diesel tax system, but the various departments are known to be hesitant to introduce a third motor tax regime on top of the two we already have. A general increase in the cost of motor tax, within the existing bands, is quite likely though, as the Government starts to push people towards electric motoring.

In terms of fuel costs, prices at the pump have spiked up in recent weeks thanks to the Trump-Iran standoff, and this week the average per-litre cost of diesel rose to €1.31. That is likely to continue to rise as long as tensions in the Middle East, and indeed in the White House, remain high. 

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Hi Gerry,

No, motor tax hasn’t been changed for 2020, so you’ll pay the same as last year. The only change to the tax system is the introduction of the new NOx emissions tax, but that only applies if you’re buying a new car or importing a used car from abroad. 

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Hi Shane,

No, not just yet. The new NOx tax (which could add a significant amount of extra cost to importing a car, especially an older one like that 2014 Focus) won’t take effect until the New Year. It will be applied to all new cars and imports from Jan 1st. 

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Hi John,

OK, that’s a slightly tough set of criteria, but I think we’ve found some winners. How about a Honda Insight Hybrid? Ultra-low CO₂ means ultra-low tax, it’s auto, Hondas run for ever, it’ll do 50mpg easy and there’s just about enough space for a family of three. Your budget gets you a 2010 model.

If you need something smaller, there are automatic Nissan Micras around for that sort of money, but you might find them a bit small for the wee one. Fancy something posh? You could try a 2010 Mercedes C 180 Estate, which we found, but the tax on that will be a bit higher. Something newer? A Skoda Fabia Combi estate from 2012? Reliable and tonnes of space in the boot. Cracking car.

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Hi Leo,

It kind of depends on how big your kids are and what kind of car seats they need. If you need three individual seats in the back, I’d recommend something like a VW Golf SV or a similar mid-size MPV. Or you could go for another Alhambra of course — it’s a great car. 

I’m assuming you want a change from the Alhambra though, and, MPVs in general, so how about a medium-sized estate? Lots of space, roomy back seat, but smoother and more agile to drive, with better fuel economy. How about a Skoda Superb Combi? Vast boot, massive back seat for packing the kids in and one of the nicest cars on the road. 

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Hi Rory,

OK, the car that most obviously fits your criteria is the Toyota Yaris Hybrid. However, the cheapest one we’ve seen for sale is a 2015 model for €12,995 so that’s a bit over budget and already four years old. A Toyota Auris Hybrid would also seem to fit the bill, but again you’re looking at a much older car to fit your budget — probably a 2012 or 2013 car, so that’s not going to have the modern electronic systems you’re looking for.

I think the best bet might be to go small — like really small. Like Volkswagen Up or Skoda Citigo or SEAT Mii small. You’ll easily find one of those in budget, with a small petrol engine (1.0) and, if you shop around a bit, with the high-tech options you’re looking for.

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Hi Aaron,

How about a Ford Kuga? That budget would get you into a nearly-new 191 or 182 1.5 TDCi, and it’s a bit of an underrated car — good to drive, roomy and nicely built. A sum of €23,000 obviously buys you a lot of either the ubiquitous Hyundai Tucson or Nissan Qashqai. How about a Mazda CX-5 instead? Gorgeous to look at, great to drive and with a 150hp engine, it’s not slow either. You could also think of a Peugeot 3008, a SEAT Ateca, a previous-generation Toyota RAV4 (better to drive than you might think), or a Volkswagen T-Roc. 

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Hi Sally,

That’ll vary from lease to lease. Generally speaking, if it’s being leased by a company and they’re giving you use of the car as a company vehicle, they’ll pay the running costs, usually minus fuel. If it’s a case of you being given a car-buying budget as part of a job package, generally you’ll pay for all that stuff, and if you’re buying a car for yourself on a PCP finance deal (which is effectively a personal lease) you cover them too.

There are always differences and details, though, and car makers (Volvo especially) are starting to move towards a mobile-phone style system whereby you pay one monthly fee that covers everything, and change and upgrade your car at regular intervals.

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Hi Zura,

OK, the good news is that you’ve got a clean record and a decent budget. The bad news, I’m afraid, is that an Irish insurer just won’t care about any of that. As far as they’re concerned, you’re starting with a blank slate. Sorry to have to tell you that, but the sad fact is that Irish insurers are incredibly hard to deal with and incredibly expensive on top.

I would think that €1,200 should be enough to cover a Focus 1.6 (especially given that you’re in your mid-thirties, which is considered a safe age), but it could be a safer bet to go for the Yaris, as insurers prefer a 1.0-litre engine (it’s an outdated view, but there you go). It would definitely be worth getting in touch with a good local insurance broker, though. They can often find better deals than are available through the usual websites etc. so definitely worth having a chat with.

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Hi Tom,

It kind of depends on what price range you’re looking at. The more expensive you go, the more available such options are. The likes of a BMW 5 Series or an Audi A6 would be the easiest to find with all of these options on the one car, but it becomes much more problematic if you’re shopping lower down the price lists. Come back to us and let us know your budget for more useful assistance.