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Showing 181 - 190 results (out of a total of 246) found for "insurance" in Ask Us Anything

What first car would you recommend with €10,000?

What would you recommend for a first car for a 25-year old with about €10k to spend. I like the Volkswagen Golf.

John Millane (Ennis)

Jun 2015 Filed under: choosing used car

Expert answer

Hi John,

A Golf is always a good choice but the fact that it comes with, at smallest, a 1.4-litre engine could be an issue when it comes to insurance. You could, for your budget, get the current-shape Polo, from around 2010, with a 1.2-litre engine. That should take the sting out of the insurance. Or what about something really stylish? Say, a Fiat 500 1.2? Plenty of those around and they’re quite enjoyable to drive too. 

Of course, if you can stretch to the insurance, then there are plenty of 80hp 1.4 Golfs around. 2009 is probably your ballpark for that budget, but just remember that in that form, the Golf is seriously underpowered, so don’t expect performance fireworks.


What is the market value for a 2006 Ford Focus 1.6 diesel?

What is the market value for a 2006 Ford Focus 1.6 diesel (for insurance purposes)?

Anna Murphy (Dublin)

May 2015 Filed under: insurance

Expert answer

Hi Anna,

Ballpark figure is €5,800 but it's hugely dependent on condition, history and mileage.


Have you tested the new Ford Mustang 2.3?

Will you be testing the Ford Mustang Ecoboost 2.3-litre automatic? If so, when? I am interested in the handling, performance of the engine, road tax, fuel economy and insurance costs.

Sean Cotter (Newtownmountkennedy)

Mar 2015 Filed under: future cars

Expert answer

Hi Sean,

We are driving the new European-spec Ford Mustang next month so keep an eye on our reviews page for the full lowdown. 


What decent diesel suits a young driver?

I'm only 19 and buying a good quality diesel car in the next week. Looking at an Opel Astra 1.3 CDTi or a Ford Focus 1.6 Zetec. What would you reccommend? I'm thinking between 2005 and 2008.

David Egan (Kilmihil)

Mar 2015 Filed under: diesel

Expert answer

Hi David,

I would reckon you'd be better off going for the 1.3-litre Opel. If it's pre-08 it'll have cheaper road tax and given your age I would think keeping the engine capacity down as far as possible would be good from an insurance point of view.


How can I up my Almera's performance?

Hi guys, I have a 2007 Nissan Almera 1.5 SXE; are there any parts I can get to make it have a bit more power? Would it be possible to get a turbocharger installed in that model or K&N filter? Don't know if it's possible.

Thanks, it's so sluggish and I can't afford to insure anything bigger at the moment.

Michael Shannon (Daingean)

Feb 2015 Filed under: insurance

Expert answer

Hi Michael,

Well, if you can't afford to insure anything bigger then a turbo's a no-go. Legally, you have to inform your insurer of any modifications made to your car, and if an increase in swept capacity is a no-go then no insurer is going to let you strap on a turbo.

A K&N filter or similar would be fine though and should readily be available for an Almera. While you're at it, why not put the turbo budget to a proper service, some high-quality oil and new tyres? All far better options for improving performance and nothing that will bother your insurance provider.


Is it worth chipping my Ford Focus for economy?

I've a 2010 Ford Focus 1.6 TDCi. Will remapping the engine's ECU really improve the economy? I'm getting 46- to 49mpg now and there are 57k miles on the clock (it's a UK import).

Denis O'Gorman (Galway)

Feb 2015 Filed under: fuel economy and emissions

Expert answer

Hi Denis,

Chipping an engine can be beneficial but to be honest I don't think it's really going to help you here. If you're already getting nearly 50mpg on average then you're doing pretty well as it is. Chipping might boost that a bit but you're into unknown territory then with engine longevity, you might drive up your insurance and you might find a chipped car hard to sell on again.


Please tell me about Quickclear windscreens.

Please tell me about Quickclear windscreens. Is Ford only one offering this? What about all other makers of cars and vans?

Fergal Reidy (Celbridge)

Jan 2015 Filed under: windows

Expert answer

Hi Fergal,

Ford did have a patent on this technology, or more accurately, on a particular application of it and of course the brand name, Quickclear. The Ford patent dates from as far back as 1977, but it expired in 2011, as far as we can ascertain. Mind you, element heated windscreens are nothing new. The practice started in aviation in the 1950s and in the 60s Bentley even offered one as an option on Continental models - its heating elements were pure gold of course, the best conductor of heat.

 Nowadays, a number of car makers do in fact offer heated windscreens as an option. Companies formerly owned by Ford, such as Jaguar and Land Rover, are top of the list because they gained a licence to use Ford's own tech, but other car makers also have their own systems - Volkswagen offers it on a number of different models for instance.

There still seems to be some reluctance by some to take it up as an option though. Some of that seems to be down to some people being more sensitive to the thin elements in the windscreen than others, while there also seems to be an issue with insurance companies discouraging the use of heated screens as they don't like paying out for replacement in the event of a crack or chip.


What insurance companies are best for an Indian driving permit?

I have an international driving permit from India. I am planning to buy a small car. Please recommend the companies that can provide me car insurance.

Rob Eccleston (Celbridge)

Jan 2015 Filed under: driving licence

Expert answer

Hi Rob,

I'm afraid there's nothing for it but to start ringing around and working your way through the websites of Irish insurers. There are no specific restrictions on drivers using international driving licences, but I think you can expect that your insurance costs will be significantly higher than if you had a full Irish licence.


What should I do about my car insurance?

I am a new learner driver and hold a provisonal licence. I am interested in buying a Peugeot 206 1.1-litre. I am 24 years old; roughly how much would it cost me to insure and who are the cheapest insurance for girls? Thank you

Kirsty Harris-green (Stourbridge )

Jan 2015 Filed under: insurance

Expert answer

Hi Kirsty,

I'm afraid it's a classic case of how long is a piece of string? Insurance quotes are often plucked out of thin air and the only way to get the best value is to get on the internet and get on the phone and start looking. Now, based on the details you gave (and a bit of creative accountancy on our part - you do work in a call centre for an accounting firm and live in Skerries in Co. Dublin, right?) the best quote we were able to find for you came from AXA and it was €1,778 - that's for third party, fire and theft.

Obviously, having just third party would be a bit cheaper but it might be worth paying slightly extra this year and getting yourself a more solid insurance record. It's also well worth finding a good insurance broker and seeing what kind of deal they can swing for you. Brokers can often access deals that mere mortals cannot.

Let us know how you get on


How much to import my Toyota from the Middle East?

Hello, hoping this query finds you well. I am SO happy to find a site like this :) (especially for those women among us who aren't the most clued up on all car issues)

I'm hoping to be moving back home early mid summer 2015 and am hoping to bring my SUV with me... if it's financially feasible to do so. I'd be importing it from where we bought it in the Middle East in 2008 (2009 model). It's a Toyota Fortuner GX2 2.7 five-door petrol - I can't find exact or approximate costs for a VRT band on this, what road tax be like for it or get online insurance quotes for it either, so am wondering if you could throw any light on this for me please, as I'd rather avoid the case of some possible nasty shocks by doing my homework from now on this.

Many thanks for any advice at all. Rosemarie, from Cork.

Rosemarie O'Riordan (Cork)

Nov 2014 Filed under: importing

Expert answer

Hi Rosemarie,

OK, good news - if it's coming in with a transfer of residence, and you can show that you've been the owner and user of the vehicle for at least six months prior, then it's basically free. There may still be a small fee payable for re-registering the vehicle (Revenue seems to be oddly coy about this fact), but basically once you can show it's yours and you're moving home, then you can bring it in for nothing. Just make sure you alert Revenue to the presence of the vehicle within seven days and then get the re-registering done within 30 days.

Road tax, I'm afraid though, will be payable at the top rate of €2,350 per annum, which is a nasty bill to have to foot every year. Insurance costs are likewise probably going to be hefty, as it's a vehicle most Irish insurers won't know even exists. Your best bet, in terms of running costs, may be to sell it before you leave and use the cash to get yourself something a bit more tax and insurance friendly when you get here.

Let us know how you get on