Expert answer

Hi Barry,

Basically nothing. At 30 years old, your Land Rover will qualify for ‘vintage’ tax and insurance. The only wrinkle might be that your insurer might insist that you have a ‘modern’ car taxed and insured as well, as classics are supposedly only for weekends etc.

Expert answer

Hi John,

I think a word with your accountant would be the best option as there are hoops to be jumped through for registering and taxing a car as a commercial, especially a five-seater. The bigger issue by far could be getting you insured, as most insurers will see the words ‘Range Rover Sport’ and '21-years old’ and run a mile.

Expert answer

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.

Expert answer

Hi Paul,

I think in this case, tax is the more serious issue than insurance. From what you’ve explained, you’re planning to tax your SUV as a commercial vehicle, but still use it for private and domestic tasks, and that I’m afraid is a big no-no. It’s specifically prohibited to use a vehicle taxed as a commercial for private, domestic, or pleasure purposes, and that leaves you open to a pretty hefty fine. As for insurance, you can always shop around to find a policy that suits you better, but as always it’s best to be up front and honest with them to avoid any issues down the line if you need to make a claim. Different insurers will have different policies for commercial and private vehicle insurance, and you might be better off finding a good broker who specialises in such mixed-use policies. 

Expert answer

Hi Rob,

Yes, if you have registered the car to your London address, and can show proof of continuous tax and insurance for six months prior to your move, then you’ll be able to avoid VRT when you import it here. On the Discovery Commercial, you’ll be looking at rather more than €200 VRT to import it, I’m afraid. N1 and Cat B commercial vehicles don’t pay a flat rate any more, they pay 13.3 per cent of the Open Market Selling Price, or the Irish market price as defined by Revenue. The same will go for a crew-cab, and 13.3 per cent is the lowest possible rate of VRT. 

Expert answer

Hi Brian,

OK, we’ve had a look around on this one and we think we’ve found a possible solution. It’s true that the Irish insurance industry isn’t as up to speed as some others when it comes to conversions such as this, but the nice people at insuremycars.ie said that they’d be willing to take a look. They told us that: "The main concern would be who is doing the work – is it a professional firm or a bit of a DIY? An engineer's report would be required too, and it may have to be an engineer on the insurer's panel and this could be at the client's cost.” So there are a few hoops to jump through but it’s not a no. 

Expert answer

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.

Expert answer

Hi Maria,

Yes, as a learner permit doesn’t restrict you in which car you drive, the restriction will be when it comes to insurance. Sadly, Irish insurers have not caught up with the rest of the world and still reckon that the bigger the engine, the bigger the risk, so for someone on a learner’s permit generally speaking the biggest engine you’ll be able to get insured on will be around 1.4 litres. Shopping around can, of course, help a bit in that regard. 

Expert answer

Hi Pat,

Actually, it’s a UK insurer you’ll have to go to, as until the car has its new Irish registration and tax, you won’t be able to get it covered by an Irish company. All the big UK insurers offer temporary cover, but obviously just check that they’ll cover you for driving in Ireland before you decide. If you already have car insurance with an Irish provider on your existing car (I’m presuming you do) it is worth checking with them first, though, as they may be able to offer you something for the switchover period.

Expert answer

Hi Anthony,