Expert answer

Hi Graham,

We asked Mitsubishi Ireland about this one and this is what was said: "Invite and Intense are two model trim names that are associated with a number of our vehicles, including the Lancer. It’s unusual but not unheard of that an insurance company would not have all the trim names on their database. The names do not infer any special performance characteristics but simply a level of trim so should not impact on an insurance quote."

"DE, ES and GTS are very old model trim names going back over 12 years, which we don’t currently use. So these insurance companies must still have them on their database."

Hope you get sorted

Expert answer

Hi Sandra,

Expert answer

Hi Ian,

Simply because it’s much faster and more powerful than the Elise. The Elise, for all its amazing handling and the heritage that goes with the Lotus badge, still uses either a Rover K-series 1.8 or, latterly, a Toyota 1.8-litre engine, usually with a maximum if 190hp (unless we’re talking the more rarefied supercharged versions). By contrast, the S2000 had 240hp and, worse yet, has become a firm favourite of the tuning and modifying brigade, so doubtless as soon as you say the words ‘Honda S2000’ to any insurer, a little flashing red light and a sign saying ‘boy racer’ goes off in their office. Fair? Nope, but welcome to the Irish insurance industry…

Expert answer

Hi Daniel,

Sorry to hear about the Scirocco - that 2.0 TDI version is great.

A quick browse of Carzone.ie with your budget and needs in mind brought up a few interesting options:

- Audi A3 2.0 TDI 140 - in Sport or S Line guises for maximum style - loads around
- BMW 118d M Sport - quite rare, but great to drive
- BMW 320d Coupé - you'd have to go pre-2008 with your budget, but current style at least
- Honda Civic Type S - 2.2 diesel is great and post-2008 is taxed according to emissions
- MINI Cooper D - loads around in all different colours at your budget

I've picked out the cars I reckon you'll like and I've left out things like the Volkswagen Golf and regular Ford Focus (among others).

What do you think?

Come back to us and let us know if we're on the right track.

Expert answer

Hi Fuad,

Hellish in both respects. The RX-8 is a terrific car, and was always one of our favourites, but they do suck fuel pretty badly. If you’re able to keep it above 25mpg on average, you’ll be doing well. Insurance is pricey because, even though the engine has a swept capacity of just 1.3 litres, it’s still a 190-230hp rear-drive sports car, and no insurer is going to be fooled by the engine capacity in this case. 

Expert answer

Hi Catherine,

That's an interesting one and the decision will probably come down to your personal preference. The Discovery certainly has a higher 'status' and it is a very good car, but a newer, highly specified Galaxy might be the logical choice. Both cars are relatively reliable and highly comfortable. The Galaxy has more space and probably more equipment, but that depends on the Discovery you're looking at.

One thing to be aware of is that the Discovery is likely to have higher running costs, from fuel, tyres, servicing and insurance to annual road tax.

Bear all that in mind and then take the Discovery for a good long test drive before you decide - and don't be tempted by 'too good to be true' prices either. Get a Cartell.ie history check to make sure there's nothing dodgy about the car you're considering.

Let us know how you get on.

Expert answer

Hi Sandra,

The biggest difference is of course price, as I'm sure you're aware. You pay about €2,000 more for a new 2.0 TDI model with 140hp than you do for the 1.6 TDI 105. Clearly the bigger engine is more powerful and it does make the car feel quicker, but the smaller engine is absolutely fine too. The 1.6 is quieter, though as the 2.0 comes with a six-speed gearbox it's better for a lot of motorway mileage.

There's very little between the two on official combined cycle economy figures and both are in Band A for tax so running costs (other than insurance) are similar.

If you prefer a car with more get up and go, take the 2.0, but for most, the 1.6 is more than adequate. Either way, try to get a decent test drive in both to make up your own mind.

Let us know how you get on.

Expert answer

Hi Ciaran,

You can't go too far wrong with a good Nissan Micra or Volkswagen Polo, even at that price. They are reasonable to insure, pretty reliable and the Micra in particular is great on fuel. We'd stay away from the Daewoo Lanos and though the Fiat Cinquecento is bursting with character they can be troublesome. Others to consider are the Suzuki Swift and Volkswagen Lupo.

Come back to us with a shortlist if you want and we can help further.

Expert answer

Hi Michelle,

Really sorry not to be of more help on this one, but there's no sure-fire way to work this out. Best bet is to try to call a few of the larger car dismantlers/scrap yards to try to get an answer, though most won't give you a price unless they inspect the car.

Best of luck

Expert answer

Hi Justin,

It's not surprising to hear that the car won't go off-road - few do!

In terms of safety, the 2005 Volvo trumps the Discovery with a better Euro NCAP crash test rating.

The Volvo has a marginally better reliability record too, though most Discovery problems (affecting electrics and software) seem to apply to individual cars. Saying that it's worth ensuring its air suspension is in perfect working order. On the XC90 the injectors can play up, and they're expensive to repair, so get suspicious if the car doesn't start quickly.

Evidence points to the Volvo having the lower running costs too, with slightly better fuel economy and of course lower annual road tax due to the smaller engine. Maintenance will be costly enough in both cases, as could be insurance.

In cold hard facts it looks like the Volvo wins this battle Justin, but we'd not be put off the Discovery so easily - it's a great all-rounder as well.

Let us know how you get on.