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Hi Conor,

A Golf is a great idea, but it would also be worth looking at the Toyota Auris too - it's not as sweet to drive as the Golf, but even more reliable. One word of warning though - both cars come with, at smallest, 1.4-litre engines, so you could run into trouble with insurance if you're only starting out as a driver. Have a shop around for premiums first as you may have to find something with an even smaller engine. 

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Hi Alan,

All are, in general, pretty solidly reliable cars as you would expect,  but the issues come with the added weight and complexity of those folding hard-tops. All three can suffer roof failure (often at the point of being half way up or down) and all three suffer equally from increased tyre and suspension wear relative to their hatchback cousins, not to mention higher fuel consumption. None, to be honest, are especially pleasant to drive.

Of the three, I’d say the Eos is the best built, the Focus by a slim margin the best to drive and the Astra fractionally the roomier in the back seat. As an alternative, what about an Audi A4 Cabriolet? You’d have to go for an older one to match the price, but it’s a better car and a better convertible than any of these. Alternatively, if you don’t need the back seats, get a Mazda MX-5 – literally the only small convertible that’s actually worth buying.

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Hi Stephen,

You should do - Peugeot has a 'scrappage' scheme (actually just a trade-in booster really) in place against its commercial vehicle range,  but you may have to get the Hyundai patched up enough to drive it there. Most schemes have a requirement that the vehicle be taxed and insured when you trade it in. 

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Hi John,

Sorry, but you'll have to change the plates - if you're bringing a car into the UK you only have to inform HMRC of the car's arrival within 14 days and then begin the re-registering process. The maximum time you could use the car on Irish plates for would be six months. The good news is that the process is relatively painless - you will have to get an MOT test done as the NCT won't be recognised, but other than that it's just some forms to fill out. If it's an older car you won't be liable for any VAT or duty so it'll only cost a little. You can find more details here - https://www.gov.uk/importing-vehicles-into-the-uk/overview

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Hi Thomas,

Well, for a start, you're not going to be able to insure any of the three as classics, as none has passed the 30-year mark yet. If your intention is to use them for 'classic-style' driving (only bringing them out for events or days out etc.) then you might be able to get a limited mileage policy that will reduce your costs a bit.

The next problem is that Irish insurers are conducting something of a war against cars of that sort of age – they reckon that older cars are at higher risk of claims so the premiums are being loaded out of all proportion. Most of the major insurers will do a multi-car policy, but with their ages I think you might struggle to find an affordable quote.

As for value, if they're all in exceptional condition then I'd say the Mercedes and BMW could be worth as much as €5-7,000 each (they really would have to be exceptional though) and the Peugeot van probably about €3,000 (again – if in exceptional condition).

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Hi David,

Yes, that M-Class is a particularly nice one, but there's a couple of things to watch for. Mercs of that era can be electrically fragile so beware of anything with a button or a switch and don't dare buy anything without a full and comprehensive service history.

The other thing to worry about is insurance - next year that car will be 10 years old and you'll get hammered for insurance by pretty much all Irish providers. Not a problem for this year but possibly something to keep in mind.

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Hi Niamh,

I'd go for the Polo - of the three you're looking at it's the one (all things being equal) that's likely to be the most reliable. One thing though - you'll have to change it again next year as then it will be 10 years old and it's now proving almost impossible to get an affordable quote for a 10-year old car. 

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Hi Angela,

I think a PCP plan would be entirely wrong for you, because they really only work if you're intending to come back in three years' time to trade in again. I'm guessing you don't want to do that.

Your Audi is worth about €2,000 so put that together with your €3,000 and we're looking at a budget of around €5,000. That's great because that will get you into a 2007 Honda Jazz - one of the best small cars around. It's spacious, comfortable, frugal and above all reliable. You simply can't go wrong with one.

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Hi Joe,

This is a serious issue at the moment and the Government is, typically, sitting on its hands over the matter. Insurers, beginning with Aviva, decided last year that, actuarially speaking, ten-year-old cars and their drivers were at higher risk of accident than average, and so decided to either (a) refuse to quote altogether, or (b) issue massive quotes that were effectively the same thing. Frankly, it's a scandal and of course, insurance being something of a cabal industry at the best of times, the other major firms are following suit. Sorry - that isn't actually of any practical help to you, but it's the facts of the matter.

The best suggestion I can offer is to find a really good local insurance broker and see if they can help you find a solution. Please do let us know how you get on.

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Hi Philip,

According to Volkswagen, paddle shifters for the DSG gearbox on that model are not standard, but are available as an option. And a not very expensive option either - only just over €100.

The insurance question isn't really one we can help you with, as there are many more factors to an insurance quotation than just the model of car. We can only suggest that you ring a couple of the bigger companies and ask to get a feel for the price difference.