Expert answer

Hi Karla,

That budget is plenty to find a decent automatic runaround that's big enough for the two of you and relatively cheap to keep on the road.

A few models that are worth looking into:

Ford Fiesta: plentiful, reliable, inexpensive to maintain
Honda Jazz: not so common, but exceptionally reliable and very spacious (also badged the Honda Fit if a Japanese import)
Kia Picanto: you'd get quite a modern one for your budget, though they are smaller than the above cars, and again, not so plentiful
Mazda Demio: this is a Japanese import, badged the Mazda2 here – nice car

There are loads of other options of course, but those are good starting points to begin your search. Sites like Carzone.ie have good search filters to allow you to put in your budget and an automatic gearbox.

In terms of general tips, we'd give you the following advice:

1 – Prioritise the condition and service history of a car over its age and mileage.
2 – If you decide on a particular make and model that you like, seek out different examples of it from various sellers and test-drive as many as you can so you get a feel for which one 'feels' best.
3 – Don't view a car at night or in the rain as that can disguise issues with it.
4 – I would suggest that a diesel car would be a bad fit for you unless you spend a lot of time on the motorway every day covering long distances – they can come with higher maintenance costs.
5 – Make sure you get an insurance quote for any car you are considering before you commit to it.
6 – If at all possible, bring a friend or family member with you when looking at cars, preferably one that has a bit of experience in such things. It's quite a daunting thing to do on your own for the first time.
7 – Ask to see the paperwork on any car you're serious about before you talk about the price.

Hopefully all that is of help. Don't hesitate to send us another question if you'd like more assistance.

Expert answer

Hi Angie,

Insurance companies can be a little funny about Japanese imports, even if the cars are identical to those sold new in Ireland. I'm a bit surprised the company demanded proof of it having an immobiliser though – that's not the norm, in that most of the time they take your word for it. Perhaps do some more shopping around on the insurance side?

If the Auris looks the same and has the same powertrain as the cars sold in Ireland, then I wouldn't worry about parts.

In terms of warranty, get the longest one you can of course.

Expert answer

Hi Edward,

That's not so easy to answer definitively, but I suspect the Toyota could be a little cheaper to run. It does depend of course on which version – and year – XC70 you have. The latest GR Yaris costs €790 a year to tax, for your reference.

Unless you're doing track days, wear and tear in the Yaris should be no more than it is in the Volvo and with a new-car warranty you're isolated from high-value maintenance costs for a few years in any case.

The big unknown is insurance, but only you can determine that by ringing around and getting quotes.

We'd be interested in the outcome if you want to drop us a line after.

Expert answer

Hi Tomas,

Revenue's website is only ever a guide in any case, so you should always do your own calculations, so you have an estimate. We can help with that but be aware that all figures below are only estimates.

First up, we're assuming you mean “GB” – i.e. England, Scotland and Wales – as opposed to “UK”, as the latter would include Northern Ireland as well. If the van is coming from Northern Ireland, the treatment of import duty and VAT is different.

Coming from GB, however, you will have to pay 10 per cent import duty and 23 per cent VAT.

The duty is calculated on the “customs value”, which is the price paid, transport and insurance together. If the van is £13,000, that's about €15,000, so the import duty would be a minimum of €1,500 before any allocation for transport or insurance.

VAT is charged on the sum of the import duty and the customs value. So if import duty is €1,500 in this case, and the customs value is €15,000, that's a total of €16,500. VAT is 23 per cent of that, at €3,795.

Unfortunately, regardless of where you are importing the van from, Revenue will treat a six-seat crew cab van as Category A for VRT, which means you'll have to pay the NOx levy (could be as high as €4,850 for a 2019 Trafic) and VRT based on its CO₂ emissions.

You'll need to get the official figures for this van, but if say the CO₂ emissions rating is 171-190g/km, then it's in Band 19 for VRT, at 35 per cent of the so-called OMSP.

That's the Open Market Selling Price, a value Revenue believes the van to be worth after registration in Ireland. It's not easy to guess. If it's €20,000, then the VRT would be 35 per cent of that, or €7,000.

This is all looking very costly, I'm sure you agree.

Expert answer

Hi Lyn,

We wouldn't worry massively about parts for those cars as they're freely available, and there are plenty of garages specialising in Japanese imports anyway.

Insurance is certainly something to look into before you commit to buying. You will definitely have to disclose that the car is a Japanese import, but that doesn't always automatically mean a higher insurance cost. Sometimes it does. Also, watch out for the fact that many Japanese imports do not have alarms or immobilisers – and that point can lead to higher insurance.

Expert answer

Hi Caroline,

If the car is already registered in Ireland and has an NCT then there will be no issue at all taxing it. The seller should be able to supply the usual Vehicle Registration Certificate (VRC - often referred to as the log book). You can also check that the car is on Revenue's system by putting the registration into the Motor Tax Online page.

Expert answer

Hi Dillon,

It would make no sense to import such a car from GB (England, Scotland and Wales) as it would attract VAT at 23 per cent and import duty at 10 per cent, on top of the VRT and NOx levy. That is unavoidable in the case of the Tiguan – and assuming you are an Irish resident already, not someone moving here from the GB.

The same vehicle imported from Northern Ireland may not be subject to any VAT or import duty, so long as it was either sold new in the North or it has been imported into the North according to the Windsor Framework and then used there. You will need paperwork to prove all of that.

Assuming you find a car that qualifies in NI, then it's just VRT and the NOx levy. The latter will be a minimal amount for the PHEV as emissions of NOx will be ultra-low (likely no more than €200, depending on precise specification of the car).

Likewise, CO₂ emissions should be sub-50g/km (check this, as it depends on the specification), so VRT is calculated as seven per cent of the Open Market Selling Price (OMSP), with a minimum fee of €140.

The OMSP can be tricky to estimate as it's the figure Revenue reckons the car is worth once registered on Irish plates. A quick scan of the classifieds suggests this could be in the region of €45,000-€48,000.

Assuming the worst case – i.e. an OMSP of €48,000 – then the VRT bill would be €3,360.

So, aside from travel/transport and insurance, this Tiguan should cost a good deal less than €4,000 on top of its purchase price to import.

If you can find one that qualifies for importation without VAT or import duty, and its purchase price is equivalent to a value lower than €40,000, then you are potentially making a saving.

Just double-check all your paperwork. It will obviously be more hassle than buying at an Irish dealer, with no option to trade your existing car in, so weigh up the savings to ensure it's all worth it.

Expert answer

Hi Dawn,

Most people in your position – i.e. a new driver – consider the cost of insurance when choosing their first car. You'll need to keep the engine size down for that reason, though there are plenty of small-engined cars that should still fit the bill. Just keep it in mind and maybe get insurance quotes before you commit to any car.

I would suggest that you're better off going for a slightly larger car if it's to be used regularly for longer journeys as they are generally more comfortable at motorway speeds. From your list, the VW Golf and Hyundai i30 would be good options, but you could also seek out the SEAT Leon, Peugeot 308 or Mazda3.

I've probably given you more to think about there…

Come back to us with a budget in mind and we'll try to find some specific cars for you to consider.

Expert answer

Hi Gerry,

There is some anecdotal evidence of increased insurance premiums when buyers move to an EV, though we've not experienced this ourselves. There are a lot of factors that feed into the cost of insurance, including the increased price of a new car.

However, we don't believe the issue is the extra performance, but the potential increased cost of repair, such as to a battery pack for example.

We'd certainly urge would-be EV buyers to get an insurance quote for the car they're considering buying so that they have the full picture.

Expert answer

Hi Nicole,

You should be able to get insurance for a left-hand-drive car without any difficulty, though make sure it's declared as such. And I should say, the car must be already registered in Ireland.

The price of insurance varies massively depending on your own driving history and situation, and where you get the quote from, so we would not be in a position to give you an estimate, unfortunately.

We would advise you to shop around, however.