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Hi Terry,

We don't actually have insurance groups for cars in Ireland; it's down to the driver and their experience and claims history when it comes to setting the price. If it helps, that model varies from Group 18 to Group 21 in the UK depending on whether it has the 109- or 115hp version of the 1.6-litre diesel engine.

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Hi John,

OK, you can get a 2008 5 Series for under €13,000, but they will probably be even higher mileage than your old one and will most likely be from private vendors, rather than a dealer offering you a warranty and after-sales care. You takes your chances etc.

You may be better served by looking at the UK again - more cars, generally better prices but how about this: why not use the insurance payout to get yourself on the new car buying ladder? BMW Ireland has some cracking PCP deals on both the 5 and 3 Series and that €13k would be a decent deposit to get you off to a good start.

Worth thinking about anyway.

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Hi Andy,

I take it you mean from an insurance point of view? No, late thirties shouldn't be a major issue as long as you have a decent no claims bonus. As far as the car is concerned, I think you need to box a bit clever here. The kids are only going to get bigger (trust me, I know...) and you'll need something with a decent boot and big back seats for increasingly long legs. So, get yourself a Skoda Octavia RS. They've been around since 1999 in original form, but you need to be looking at the second-gen model, from 2006 onwards. Go for that and you get a car with excellent handling, a terrific engine (the diesel one is more economical, obviously, but the petrol 2.0 turbo is still reasonable in terms of running costs) and the boot is as big and practical as you could possibly need. They're also solidly reliable. It's the thinking man's hot hatch.

What do you think?

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Hi Jim,

Basically, it's the same as buying an ex-rental. The good news is that all the scheduled servicing and maintenance should have been carried out in full and on time, but the bad news is that you just don't know who's been driving it previously and what kind of driving they've been doing. Generally speaking, someone being given a loan car by their insurer will probably just have had a shunt and will likely be in a careful mood, but you just never know. Check everything very carefully, from the cabin for unexpected wear and tear to the suspension for alignment issues or other damage. This could be a good one to break out the AA inspection on, just to be on the safe side.

Let us know how you get on

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Hi Simon,

It's a technicality of HP that you don't actually own the car until the last payment is made, but it won't affect your insurance as the car will still be registered to you. Essentially, the finance company buys the car for you and you're repaying them the money that they gave you, the loaning of which is secured against the value of the car. If your name is on the registration document, which it will be, then you are the registered owner of the car.

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Hi Bill, glad we're of assistance - spread the word!

In answer to your question, it's something of a yes and no. Yes, you could potentially find a cheaper 5 Series by shopping somewhere other than a franchised BMW dealer, but why then try and buy a warranty from BMW? Part of BMW's second hand car warranty package is a full inspection of the vehicle and a check of all major components. Assuming that they would warranty your car unseen, there would almost certainly be a loading on the premium to reflect the fact that they are effectively insuring an unknown car against failure.

So, I would suggest one of two things - either stick with the full franchised BMW second hand package (which is actually pretty keenly priced once you factor everything in) or buy elsewhere and go to a third party for the warranty insurance. Mapfre is pretty much the only game in town in Ireland for aftermarket warranties at the moment, and it has a simple online application form so you can work out the cost of the warranty before you buy the car. Here's the company's website.

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Hi Marie,

It depends on whether you are using it for private or commercial purposes, but for a private driver most insurance companies will cover you. Have a shop around and have a chat with a good broker if you’re struggling to find a good quote.

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Hi Ciaran,

Keeping your insurance affordable is mostly a matter of shopping around, although at 24 you may well be shopping for a size of car that most insurers will baulk at. You may get a better deal in that respect if you dropped down to a Golf/Focus/Astra-sized car. But if you must have the bigger machine then I'd go for the Mazda. It's sweeter to drive than the other two, vastly more reliable and spacious and practical too.

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Hi Karen,

You’ll need to, within seven days of arriving in the country, inform the Revenue Commissioners that the car is here, and book an appointment at your nearest NCT (equivalent of MOT) centre for an inspection. If you’ve owned the car for more than six months, and can provide proof of both previous tax and insurance, and change of address, then you will only have to pay a nominal administration fee to re-register the car here, and not the dreaded VRT import tax.

Read our guide to importing a car from the UK

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Hi Andrew,

Simple answer: Ford Focus 1.4. Not the quickest Focus ever (only 75hp) and perhaps not as classy as the rival Volkswagen Golf, but they're well made, reliable, exceedingly good to drive (that Jackie Stewart-tweaked suspension will teach you all you need to know about driving dynamics) and spacious enough to pack in all you need for Electric Picnic next year. That's what you young people do, right? Lots out there to choose from so be picky, find a good one in a nice colour and tart it up with some nice alloys. You won't go wrong.