Expert answer

Hi Jane,

If the Open Market Selling Price of the car (the OMSP is the value Revenue in Ireland believes it is worth after importation) is less than €40,000 then you'll have no VRT (Vehicle Registration Tax) to pay. If the OMSP is between €40,000 and €50,000 then there's tapered VRT relief, and no relief at all for cars deemed to be worth more than €50,000.

The above applies no matter what the 'customs state' of the car.

What you need to look out for is whether you'll be liable for customs duty - at 10 per cent of the customs value (purchase price, plus transportation costs, plus insurance) - and VAT. The latter is 23 per cent of the customs value plus the customs duty.

Now, if the car has been in use in Northern Ireland for, as Revenue calls it, “a reasonable amount of time”, then VAT and customs duty are unlikely to be payable. You will need proof of that, however. If the car is being bought from a dealer that imported it from England for sale, then ask them for proof of importing according to the Windsor Framework.

Expert answer

Hi Niall,

If you're looking to move to Ireland with the car, then you're likely eligible for a Transfer Of Residence (TOR) exemption for all taxes relating to importing it. Take a look at Revenue's Transfer of residence page for full information.

For what it's worth, customs duty is calculated as 10 per of the so-called Customs Value, which is made up of the purchase price, the cost of shipping and the insurance for the shipping.

VAT is then 23 per cent of the total when you add the calculated customs duty to the customs value.

Expert answer

Hi Carl,

Either set up a temporary insurance policy with a Northern Irish insurer that will cover the car to be driven south of the border or temporarily add the car to your own insurance policy until it is re-registered. Best thing to do is call your existing insurer and ask about that.

I'm sure you realise that you will have to re-register the car in the south before selling it on.

Expert answer

Hi Vakaris,

Actually, as the BMW i3 is an EV, and there's VRT relief for electric cars on first registration in Ireland (it doesn't matter if the car is new or used), you won't pay any VRT.

However, if the car has indeed come from England, Scotland or Wales, you will have to pay VAT and customs duty. Customs duty is 10 per cent of the 'customs value', which is defined as the price you paid for the car, plus transport and insurance costs. VAT is 23 per cent of the customs value plus the customs duty paid.

If the car is actually coming from Northern Ireland, and not GB, the situation is different.

I suggest you give our guides on all this a read:

Guide to Importing Cars from the UK

Guide to importing a car from Northern Ireland

Expert answer

Hi Aidan,

So long as you get that rectified as soon as possible, there should be no further implications.

It is illegal to drive a car without a valid NCT certificate (unless you're actually on the way to the testing centre to a pre-booked appointment) so if you continue to drive the car you are liable to be stopped and fined.

In the case of an insurance claim, the insurance company may query the roadworthiness of your car if the NCT certificate is out of date as well.

Put simply, don't delay putting this right, and drive as little as possible until you do. Go to NCTS.ie now to book your appointment.

Expert answer

Hi Leona,

From what you've told us, the easiest thing to do here would be to change ownership of your relative's cars to you. This is simply a case of filling in section C on the back of the Vehicle Registration Certificate (VRC) for each of the vehicles and sending the VRCs off to the Vehicle Registration Unit (the address is on the VRC). This can be done online as well via www.motortax.ie.

When a vehicle changes hands, its tax arrears are wiped out, so you won't need to worry about that. And if you don't intend to use the vehicles for a time, you can declare them off the road using the Statutory Off Road Declaration (SORD). This can be done online at www.motortax.ie or at your local motor tax office.

Note: this must be done ahead of time, not after the fact, and can only be submitted for periods of up to 12 months (though it can be renewed).

That would avoid the need for motor tax if you're not using the vehicles or if you're in the midst of converting the Transporter, for example.

If that's not an option, then motor tax for the van in particular could be expensive as it will be taxed according to its engine size (read our Motor Road Tax Prices In Ireland Explained feature for full details).

In terms of insurance, multi-car policies are not common in Ireland, unfortunately, so you'll need to do some ringing around or employ the services of a good insurance broker. And be aware that it can be tricky to get private insurance on a commercial vehicle.

Come back to us if you want us to go into more depth on any of this.

Expert answer

Hi John,

In theory there's no reason why you could not do this. The taxation is a little different and there's a commercial vehicle equivalent to the NCT, but no legislation preventing a private individual from buying and driving a commercial vehicle.

However, anecdotal evidence suggests that it's not all that easy for private individuals to find insurance for such vehicles. Do some ringing around on that before you commit to buying and if you have no luck talking to the insurers directly then consider employing the services of an insurance broker.

Expert answer

Hi Norman,

In most cases, UK insurance companies do not classify a car brought over from Northern Ireland to Great Britain (England, Scotland, or Wales) as an import. This is because Northern Ireland is part of the UK, and cars registered there already meet UK standards.

Some insurers may ask if the car was first registered outside 'Great Britain' (which would mean those brought from Northern Ireland as well) and might require additional information. 

If the car was originally imported into Northern Ireland (e.g. from the Republic of Ireland or elsewhere), insurers might classify it as an import, but we wouldn't worry massively about that one.

Expert answer

Hi Dan,

Looks like you’re on the right track, yes. The change of ownership may be possible online if the van has the newer digital VRC (vehicle registration certificate - i.e. the logbook) and needs to be done by the company.

If you plan on using the van for any private use whatsoever then yes, you will need to change the motor tax, which is done at your local motor tax office. Note that the rate depends on the engine size of the van and that you’ll need insurance before you can do that.

I’d suggest looking into the insurance before you do anything else, as it can sometimes be tricky finding private insurance on a commercial vehicle.

Expert answer

Hi Michael,

VAT at 23 per cent is charged on the customs value, which as I mentioned before includes the purchase price (in the UK), the cost of transport and insurance, plus customs duties.

In your case, the purchase price is €13,610.77, which means customs duties of €1,361.08 (10 per cent). To those you’ll have to add the transport and insurance costs to bring the car back - i.e. your ferry fare. Let’s say €200. All that adds up to €15,171.85 as the customs value. The VAT should then be 23 per cent of that, or €3,489.53.

Please double check our calculations and take this as guidance only.

Expert answer

Hi Michael,

VAT at 23 per cent is charged on the ‘customs value’ of the car, which, according to Revenue is “the purchase price, plus the cost of transport and insurance, plus any Customs Duties payable”. It has nothing to do with the OMSP (Open Market Selling Price).

Expert answer

Hi Mathew,

I'd highly recommend you employ a professional conversion company to do all the work and certification documentation for you, as it can be quite an involved process. Certain standards in terms of safety and structure will be necessary and the vehicle is most likely subject to inspection after conversion. The registration details will then have to be altered and of course there will be tax and insurance implications. 

In short, we're not experts in carrying out such a conversion, and we'd advocate for using one to save yourself hassle in the long run.

Expert answer

Hi Jake,

You can easily notify your local motor tax office that you will be using a pickup like the Amarok for private use, and then pay the required motor tax. Unfortunately, that may not satisfy the insurers. Best to ask them before you buy the vehicle if this will be sufficient, and also make sure you get a quote. 

If you have no joy, consider employing the services of an independent insurance broker to do the legwork for you.

Best of luck

Expert answer

Hi Owen,

There are strict rules forbidding the use of vehicles registered as commercials (as the Discovery described above is) for anything other than purely business/company use. The rule says you cannot use it for private use as you've described. Many do, I might add, and just hope not to get caught...

Insurance might be trickier, however. The insurers don't seem to like insuring private individuals on commercial vehicles. Only way to know if that will affect you is to ring around and see what they say. Or employ a broker to do the same. 

Expert answer

Hi Kirsty,

You're not the first to run up against this issue. Getting insurance to use a van as a private vehicle is bizarrely difficult: it seems the insurers don't want to get involved. 

We don't have an easy fix for you, but would suggest looking into employing an independent insurance broker to do the legwork for you rather than trying to deal direct with the big insurance companies.

If you find a good solution, please do let us know. 

Expert answer

Hi Patrick,

If the vehicle already has rear seats then all you need to do is inform your motor tax office of the change of use and pay the relevant motor tax increase. Check your insurance policy as well to ensure this is covered.

If the Land Cruiser has no rear seats then it's a much bigger job to convert it, and I'd suggest you enlist the services of one of the many companies specialising in this process. Do a search online and then try to find reviews of ones in your locale. In many cases, however, it may be more cost effective to just change your vehicle.

Expert answer

Hi Robert,

That sounds like a traumatic experience - and a frustrating one. I don't feel we have enough information to understand the full story, but you should investigate the legality with the experts at the Competition and Consumer Protection Commission as they'll know the best course of action.

With regards to replacing the engine, that in itself isn't a good or bad thing so long as it is done properly and the replacement engine is in good condition. Unless it's a new or reconditioned engine there's no way to know how good the replacement is, unfortunately. 

Expert answer

Hi Alix,

If you are bringing the car back in yourself there is no paperwork necessary. Your insurance will presumably be in the North, indicating that the car is there. Keep proof of your ferry as well for future reference, but there's nothing else to do at this stage. 

Expert answer

Hi Phil,

Without seeing it for ourselves we wouldn't like to say for sure, but we do know that massive dents are not ever easily repaired as you've described and panel beaters prefer to replace the panel completely where possible.

Expert answer

Hi John,

The VAT is charged on the "customs value of the car" according to Revenue, which includes "the purchase price, plus the cost of transport and insurance, plus any customs duties payable" - quite hefty in all cases.

Expert answer

Hi Martin,

I wouldn't say the market is being flooded with these cars - demand is still far outstripping supply. 

For the most part, these cars represent good value, but go into the deal with your eyes open. If at all possible, get someone in the know to take a detailed look around the car you're looking at, to make sure it's in good condition and that it's identical to a European-market model. 

I'd insist that the car was serviced on Irish soil before taking delivery, and make sure the tyres are ok as well, as these cars could have spent quite a bit of time at sea and at docks here in Japan.

Other than that, check out your insurance before you commit to buying, as insurers can be a little odd about imports at times. 

Expert answer

Hi Nelson,

OK, as ever our answers here include a certain amount of ‘it depends…’ as much does indeed depend on your driving style, the ambient temperature, the cost of your electricity at home and how much public charging you need to do. But, roughly, this is how it should all break down.

Let’s start with the Kona — and by the way, these are both excellent choices as the Kona and the Ioniq 5 are amongst the most impressive EVs on sale right now. Hyundai officially claims that the Kona Electric has consumption on the WLTP test of 14.9kWh/100km, but we’re going to be a little more pessimistic, or realistic perhaps, and assume that you’ll achieve more like 18kWh/100km.

At that rate of consumption, you’ll — obviously — burn through 18kWh of electricity for each 100km you cover. On its undercounted rate for electricity, Electric Ireland will charge you 21.9c per kWh, which means that you’ll pay €3.93 in electricity costs for each 100km journey, assuming you do all of your charging at home.

What if you’re not charging at home? Well… If you’re using one of the new very rapid ESB chargers, which cost 37c per kWh, that cost obviously jumps a bit. In fact it goes up to €6.63 per 100km. If you’re using an IONITY 350kW charger, without a discount or membership, you’ll pay 73c per kWh and that pushes the price up to more than €10 per 100km.

However, the likelihood is that you’ll be using a mix of all three, and maybe you’re lucky and can charge for free at work, so let’s stick a finger in the air and average it out at around €5 per 100km journey. That’s just for the electricity cost.

If you go for the Ioniq 5, then we reckon that you’re looking at more like 20kWh per 100km in day-to-day use, which gives you costs of €4.36 (home charging), €7,37 (ESB rapid charging), or €14.54 (IONITY). Again, all of these prices are to an extent moving targets, and can be reduced further with discounts on charging and home energy bills. Or with free or subsidised at-work charging.

Of course, there are not total life costs. You have to factor in the costs of buying the cars themselves — Hyundai currently has an offer for the Kona Electric of €254 per month on a PCP plan, or the Ioniq 5 at €380 per month.

Those are both for the basic models, but that’s actually OK — the base Ioniq 5, with the smaller battery, is actually quite a canny buy as it will still do a reliable 360km on one charge, and doesn’t look nor feel all that much different to the ritzier versions inside or out. Assuming a reasonable cost for insurance (never an entirely safe assumption to make…) I reckon we can get you in under the €450-per-month mark for either car, with the Kona obviously having a bit more headroom for costs.

The cost of the charging station at home is even more difficult to answer with surety. There is a wide variety of home chargers available now, at various price points, though of course you should be eligible for an SEAI rebate, too. The unknown is if any additional work needs to be done to your house's electrics. Take a read of our Charging your electric car at home feature for a little more detail on that.

Expert answer

Hi Charlie,

What you need to register and tax a vehicle as a commercial are:

1. Current commercial insurance certificate for the vehicle

2. Evidence of registration for VAT

3. Tax Clearance Certificate

4.. Notice of Tax Registration Form.

If you don’t have all or any of those then you’ll have to register it as a private vehicle. That’s actually easy enough — you just ring up your local motor tax office and tell them what you want to do, and all of the listings are on the motor tax website — but it does mean that you’ll be paying tax on the engine capacity, which, with a 3.0-litre Discovery, is going to be pretty chunky. Equally, insurance can be tricky for commericals-as-private cars, so get hold of a good, reliable broker to get you some quotes.

For more on this, we recommend our sibling site, www.CompleteVan.ie.

Expert answer

Hi Ray,

We got in touch with Aviva asking in general if there was an issue and we received this rather wishy-washy response:

"There are multiple factors that are taken into consideration by our motor insurance underwriters when providing quotes or determining cover for motor insurance.  Some of the factors that determine our acceptance criteria or the level of cover we provide include the driver’s details and experience, our own claims experience, the car (its make, model, engine size, age, brake horsepower, power to weight ratio etc.), to name a few.  
 
There are a small number of models from various manufacturers that we may not provide comprehensive cover on and this can be for a variety of reasons.  However, our risk appetite allows us to offer comprehensive cover for the vast majority of cars that are available to purchase in Ireland, which includes various Tesla models."

That doesn't really tell us much. I know that some people in other countries have been quoted high premiums as Teslas are supposedly expensive to repair, but this is the first time we've heard of someone with such a good driving history being refused comprehensive cover.

My advice would be to shop around for an alternative premium elsewhere. Insurers don't reward loyalty in any case so it's something to consider doing every year.

Best of luck with it.

Expert answer

Hi Jim,

When you’re importing a car into Ireland, according to Revenue, the VAT calculation is made on the ‘customs value’ of the car. This is defined as “The purchase price, plus the cost of transport and insurance, plus any customs duties payable.” It’s charged at 23 per cent, incidentally. 

However, you say you want to import “our” Mercedes? Does that mean you’re moving to Ireland and bringing your car with you? If so, you may be exempt from paying both VRT and VAT. If you have owned the car for longer than six months, and can show proof of motor tax at your previous address for at least that period, plus can document your move to Ireland, you should be able to skip both payments.

Expert answer

Hi Gavin,

It can be tricky, as some insurers — and we don’t know why, but Irish insurance and insurers are never less than needlessly awkward — seem less than keen to insure a commercial vehicle as a private car. Your best bet is usually to find a good, local broker who might be able to help you navigate the insurance waters a little more easily. 

Expert answer

Hi Scott,

There shouldn’t be any issue. Anything out of the ordinary will always gets Revenue’s antennae twitching, but as long as you can show proof of change of address, and proof of tax and insurance for at least six months at previous UK address, you should be OK. After all, there’s nothing that says the exemption is specifically limited to one vehicle at a time...

Expert answer

Hi Helen,

OK, first off there’s nothing to be concerned about. People who are temporarily resident in Ireland are allowed to bring their cars with them, and not have to re-register or fully import them for as long as 12 months. There are no forms to fill out, you just have to be able to show proof of address, purchase, tax, and insurance when and if you’re asked. Students who are studying in Ireland can keep cars with them for the duration of their studies, even if that exceeds 12 months, so there are clearly generally lenient rules when it comes to this. Given that your daughter is (a) intending to return to the UK when it is safe to do so and (b) effectively sheltering with you because of the pandemic, I wouldn’t be too concerned about having the car taken away nor anything like it.

Really, the only issue that would arise is if your daughter wanted to sell the car here, but if she’s going to keep it, I would say you’ve not much to worry about. 

Expert answer

Hi Caroline,

Right, this is a bit of a tricky one. The good news, first off, is that there’s no issue with moving a car between England and Northern Ireland — no duties nor VAT to pay, all you have to do is inform the DVLA of the change of address.

Bringing that car south might then represent a difficulty, but it will depend on how long you wait between your registering the car in the North and bringing it south. Technically, Revenue have told us that there is no specific timeline when it comes to having a car registered in Northern Ireland and not having to pay import duty and VAT when importing that car into the Republic. However, they have also said that they will be carefully monitoring the paper trail of each car to ensure that no-one is trying to game the system. If there’s only going to be a short gap between you registering the car in the North and then importing it into the South, that could get antennae twitching at Revenue, even if you’re technically above board. 

Expert answer

Hi Stuart,

No, you don’t need to re-register it, you simply need to call up your local motor tax office and tell them that you want to tax it as a private car. They’ll then put you on the old by-engine-capacity tax system, and the job’s done. The tricky part is insurance — we’ve been hearing that many people are struggling to find insurers who’ll cover a commercial as a private car, so have a good, careful shop around for cover first.

Expert answer

Hi Ronan,

You will have to tax the van as a private car if you’re going to use it for social, domestic or pleasure purposes. That’s relatively easy to do — you just need to ring up you local motor tax office and ask them to make the switch for you. Annual motor tax will cost you €413 a year for the 1.5-litre engine (taxing a commercial as a private car means you go back to the old engine capacity based system).

Insurance is the trickier aspect, and we’ve heard from a lot of readers that they struggle to find cover for commercials as private vehicles. We always advise to try and track down a good, reputable, broker and get cover sorted before you make any decisions.

Take a read of Buying a commercial vehicle for private use for more information.

Expert answer

Hi Mohammed,

If you mean changing the tax status on a van to a private car, then really all you have to do is ring up your local motor tax office, and tell them that you want to change the tax status of your vehicle. Insurance is the tricky part — some insurers don’t like covering vans being used as cars, so make sure you shop around carefully before you decide. 

Read Buying a commercial vehicle for private use for more.

Expert answer

Hi James,

Yes, you can. As long as your car is registered to your Northern Ireland address, and so is your insurance, all you need is a ‘Green Card’ from your insurer to extend the cover to the Republic. 

Expert answer

Hi Renato,

Yes, absolutely — you can register a Hilux for personal use, but just remember that you’ll have to tax it as a private vehicle, which means you’ll be taxing it on the engine capacity, not the CO₂ emissions. If it’s a 3.0-litre Hilux, that’s going to be pricey. Insurance can be an issue too, so get hold of a good broker to help you find the right policy.

Classic insurance is a non-runner, sadly. In Ireland, a car has to be more than 30 years old to qualify for classic status. 

Expert answer

Hi Maire,

Unfortunately, you might as well ask us how long a piece of string might be. Irish insurance companies are something of a law unto themselves, and the cost of insurance will depend more on you and your record than on the vehicle itself. On top of which, some of our readers have been telling us that they have been finding it difficult to get some insurers to cover commercial vehicles as private cars at all. Our advice is to get hold of a good broker, who can help you navigate through all this. 

Expert answer

Hi Margaret,

If you moved to Ireland from the UK (or any other country for that matter) and brought your car with you, then you are indeed exempt from paying VRT and import duties, as long as you can show proof of your change of address, and proof of at least six months' prior tax and insurance on the car at your previous address.

Expert answer

Hi Russell,

If you like your current car then it’s definitely a good idea to bring it with you. Importing a vehicle as part of a change of address means that you won’t have to pay Vehicle Registration Tax, which is a significant saving. All you need is proof of the change of address, and proof of at least six months’ tax and insurance at your previous address.

Read our Guide to Importing Cars from the UK feature for more.

Expert answer

Hi Ailin,

OK, I think the best advice is to buy as soon as you possibly can. According to Revenue, you MAY be able to claim exemption on VRT, VAT and customs duty if you’re bringing your car in as part of a permanent move. You need to have owned the vehicle for ‘at least six months’ so being as we’re into February already, the clock is ticking. Make sure you keep every receipt and proof of address, road tax and insurance (and maybe keep them for the car you have now too, just to extend the paper trail). 

Expert answer

Hi David,

The actual process of changing the tax status on a van from commercial to private use is relatively straightforward — you simply ring up your local motor tax office (you’ll find your nearest one here: https://www.gov.ie/en/service/1fc151-find-your-local-motor-tax-office/) and tell them what you want to do. They’ll then shift you onto the old engine capacity-based tax system (you’ll pay €710 a year for a 2.0-litre engine) and the job’s done.

Except it isn’t, quite. You will need proof of insurance first, and insurers are — for some reason — reluctant to switch policies over. It’s worth finding a good local broker to help you get the insurance sorted out first of all. 

Read Buying a commercial vehicle for private use for more info.

Expert answer

Hi Frank,

The process of taxing it is relatively straightforward — just ring up your local motor tax office (list here: https://www.gov.ie/en/service/1fc151-find-your-local-motor-tax-office/) and ask them to switch you over. The problem is twofold — with a 3.0-litre Range Rover Sport, you’re going to be paying the second-highest rate of motor tax (€1,494 per year) because a commercial re-registered for private use is taxed on the old engine capacity-based tax system. Insurance can also be a major issue — it shouldn’t be, but it is, so get hold of a good local broker to help you navigate those waters before you take the leap. 

Read Buying a commercial vehicle for private use for more information.

Expert answer

Hi John,

Citroen is currently reviewing options on potentially introducing the Ami to Ireland in the future. Initially the car was only to be produced in left-hand drive, but this is now being reconsidered due to high levels of interest in the car from the UK market. If the car was to be officially sold here it would be liable for the applicable VAT and VRT rates and would require motor tax and insurance, in the same way that the Renault Twizy does. These would also apply if you were to privately import one. 

Expert answer

Hi John,

Yes, we’ve been hearing from more than a few readers that while taxing a commercial as a private vehicle is simple enough, getting insurance is another matter entirely. As ever, our first advice for any insurance query is to find a good broker who can help you out. In this specific case, as the car is coming from a family member, might it be worth asking them to tax it as a private car? They could simply then inform their existing insurer who may not even bother to raise their premium if the transaction is to take place soon. You could then approach other insurers with a pickup that’s already registered as a private car.

Expert answer

Hi Dermott,

Indeed, we’ve heard from more than a few readers about difficulties getting private insurance on a commercial. The first thing you need to do is to change the tax status of your pickup by phoning your nearest motor tax office, and ask them to transfer you to the private car taxation setting. That should help. The next thing to do is to get hold of a good insurance broker who can help you navigate through the sticky quicksand of Irish car insurance. There are no insurers who specialise, as far as we know, in commercial-to-private insurance

Expert answer

Hi Conor,

You say you’ve already taxed the Yeti privately, is that right? Once you’ve informed your local motor tax office of the change of status, that should be sufficient for any insurer. That said, Irish insurers will find any excuse in the book to either not quote you, or to give you some astronomical quote just to make you go away. Our advice is to find a good insurance broker who can help you navigate the ins and outs. 

Expert answer

Hi Brian,

You will have to pay the VAT I’m afraid. In fact, you’d have to pay it as a commercial buyer as well, but you could of course reclaim it then subsequently. As a private buyer, you just have to pay it, unfortunately. For using a commercial as a private car, you have to let your local motor tax office know that you’re doing so, and you’ll then pay tax based on the size of the engine, not the CO₂ emissions figure. Getting private insurance for a commercial vehicle can be tricky, so shop around carefully or get in touch with a good broker before you commit.

Expert answer

Hi Joseph,

If you want to tax a commercial vehicle at commercial vehicle rates, then it has to be strictly used for work purposes, so yes you would need a commercial business to do that. It has to then be used strictly for work purposes — no dropping the kids to school or heading off for the weekend — and there are substantial fines for any breach of that rule. If you want to use it as personal or family transport, then it’ll have to be taxed as a private car. 

Read our Buying a commercial vehicle for private use feature for more detail.

Expert answer

Hi Danielle,

Yes, you can fill out a TR1 or TR2 form with Revenue to apply for VAT (depending on whether you’re applying as an individual, a sole trader, or a limited company) and you can find full details on that here. If you’re using the van privately (ie for anything other than journeys solely connected to business), then you’ll have to tax it as a private car, which puts you onto the old by-engine-capacity tax system. You’ll need to notify your local motor tax office that you’re doing this, and your insurer too.

We’ve heard tales from some readers that getting private insurance for a van can be tricky, so shop around, and maybe get in touch with a good broker, first.

In the meantime, have a read of our Buying a commercial vehicle for private use feature.

Expert answer

Hi Bevan,

Sadly, insurance is the critical thing here, and it’s the bit we can help you with least as Irish insurers — as ever — ladle on the risk when it comes to young drivers. Any ballpark figure we give you could be €1,000 — or more — out.

Expert answer

Hi PJ,

It should be possible, yes, but it's not as straightforward as you'd hope. Best bet is to use an independent insurance broker to find a suitable policy.

Expert answer

Hi Peter,

I don't think you need to massively worry about any of this as, even if you can get the car here before the end of the year, it's the date that it's registered that counts with regards to VRT and other charges. And it will be impossible to get an appointment to have the car inspected for VRT purposes before the end of the year now. 

I don't think it will be an issue getting insurance, but it's best that your sister talk to the insurer to ensure they know the situation.

Expert answer

Hi Eddy,

Unfortunately, yes you will. Thanks to the debacle that is Brexit, any UK drivers coming to Ireland after Dec 31 2020 will need to have a green card for insurance. Worth getting an international driving licence too...

Expert answer

Hi Sheila,

Well, in theory the only thing you need to do to change the tax status of a car is to call your local motor tax office and tell them that’s what you want to do. As far as insurance is concerned, I think it would be a good idea to have a chat will a well-connected broker, who might be better placed to help you out. You might be able to find a policy that will allow you to insure the Land Rover as a private car even before it has been officially switched over, or possibly one that starts as a commercial policy but changes over once you’ve got the conversion. 

Expert answer

Hi Mark,

OK, we’ve found a few cars that meet both your budget and your small engine requirement, and can pretty easily handle the hack to Ennis and back.

All small car searches should start with a Fiat 500 — looks cool, is fun to drive, costs buttons to run and no they’re not unreliable.

Want something a bit more conventional? You should be able to track down a 2009-ish Ford Fiesta with the 1.25 engine. Terrific all-rounder.

If you want something cheaper to run, there’s the Kia Picanto (circa 2010),  which has a peppy enough 1.0 to be able to cope with the Ennis run.

Or finally a Toyota Yaris, with that brilliant 1.0 VVTi engine, would make a hugely sensible choice, but you’ll have to go for an older one to stay on budget — 2008 or thereabouts. 

Expert answer

Hi Catherine,

Yes, it will do as long as you get the conversion done before you import the car. Camper vans pay the same 13.3 per cent of Irish market value in VRT as regular vans, which is helpful, but you will need to make sure that your Caravelle is signed off by a ’suitably qualified individual.’ In other words, if you’ve done the work yourself, you may need to get it inspected  and approved by an official authority (a vehicle assessor who can check that it conforms to DVLA standards, for example) and make sure you have that paperwork with you when processing the import. Assuming that it passes muster in this regard, you’ll also qualify for cheap road tax — just €102 per annum for a camper van, regardless of size.  

However,  you do say that you’re ‘moving back to Ireland’ from the UK and bringing the car with you. That could mean that  you’re exempt from paying any VRT, once you can show proof of ownership (tax and insurance) for at least six months, as well as proof of change of address. Have a look at the Revenue.ie page here.

Expert answer

Hi Robert,

Getting insurance will probably be slightly tricky just because there aren’t many Jimnys on the ground here, so it’s not a well-known model for Irish insurers from an actuarial point of view. Then again, it’s no GTI so it shouldn’t be too bad. As for road legality, it’s fine — the Jimny was homologated for Europe, so it’s perfectly legal here.

Expert answer

Hi Robert,

You should discuss this in more depth with a qualified accountant, but our understanding is that you cannot claim back the cost of buying your private car through the business. If the car is owned by the business and used exclusively for business use, that is a very different scenario, but it doesn't sound to me as if that's the case. If you go ahead with a private purchase of a car and the business is paying back the loan for you then we believe it would be seen as income and taxed accordingly. 

However, as you can claim back all business-related expenses, you should keep a record of all motoring expenses, such as fuel, tax, insurance, repairs, etc. as you may be able to claim back a large portion of the costs if you use the car for business a large portion of the time. 

As I said, it's best you talk this through with your accountant.

Expert answer

Hi Dennis,

There are a couple of high-performance car specialist insurers such as TopInsure and Martins Insurance, but you’re always going to pay big for a car such as that in Ireland, sadly. Always a good idea to track down a good broker, too, as they can sometimes get access to deals that mere mortals cannot.

Expert answer

Hi Jack,

Motor tax for a 2008 Mitsubishi L200 is going to be chunky, because it is powered by a 2.5-litre engine and, when taxing a commercial as a private car, you have to revert to the old by-engine-capacity tax system, so it’s €1,080 a year.

As for getting it changed over, all you have to do is ring up your local motor tax office and tell them what you want to do, and they’ll guide you through the process.

As for insurance, as ever in Ireland it’s think of a number and double it, but there are some specialist van insurers out there (InsureMyVan for example) who might be able to work out a better quote. Shop around is our advice.

Expert answer

Hi Paul,

I’m presuming that has the 2.0-litre EcoBlue engine? If so then it’s €710 a year to tax as a private car. As for insurance, yes you can insure it privately, but you might have to shop around a good bit. Some insurers are wary of such policies, but a good broker should be able to help you out.

Expert answer

Hi Shane,

Yes you can. The tax part is pretty simple — you just call into or phone your local motor tax office and let them know that you want to convert the van to private tax. With a 1.9-litre engine, you’ll pay €710 per year in motor tax. Insurance, to judge from the responses we’ve had from some readers, is a little more tricky, but is possible. You’ll probably have to do a good bit of phoning around, or possibly get in touch with a good local broker.

Expert answer

Hi Michael,

No, I’m afraid you can’t. In Ireland a car has to be at least 30 years old before it qualifies for classic (vintage, as it’s somewhat erroneously known) tax or insurance.

Expert answer

Hi Anna,

Yes, you can, and all you have to do is get in touch with your local motor tax office. However, you’ll need to let your insurer know of the change of use too, and that may affect your premium.

Expert answer

Hi Alan,

The problem here is that you’re trying to do some of it through the company and some of it yourself, which to be honest doesn’t really work. First off, if you want to use the company (or individual’s) VAT number then the car is going to have to be registered to them, not to you. In theory you can tax a vehicle commercially without a VAT number, but in practice it’s tricky, and if you get caught using it for any social, domestic, or pleasure use then there are big fines ahoy. 

Expert answer

Hi Bill,

You can absolutely tax and insure a commercial vehicle for private use and, as it is more than 30 years old, it’ll be really cheap to import and to tax — the VRT will be a flat rate of €200 while the motor tax will be €56.

Insurance will, as ever, be the wrinkle — generally, if you want to put it on a classic scheme, most insurers will insist that you have another ’normal’ car for everyday use, and it might be tricky putting down your son as a named driver. I’d suggest getting in touch with a good local broker, who might be able to unearth a better deal for you than just searching around on the internet. 

Expert answer

Hi Roger,

Yes, in theory, you can register any commercial vehicle for private use, once you let the local motor tax office know. There can be issues with getting private insurance on some models, so check that with your insurer or broker first, and with a Hilux you’ll probably end up paying quite a chunk in tax, as it’ll switch to the by-engine-capacity system. 

Expert answer

Hi Lokeshwar,

How much? Lots. Who? Hardly anyone. Sorry to be cruel, but when you’re under thirty and your engine size is over 1.4, most insurers won’t even touch you, and those that do will be looking for a second mortgage for the first year’s premium. Get a good broker on your side and see what you can dig up, but it won’t be easy I’m afraid to say. 

Expert answer

Hi James,

You mean get it re-registered? Yes, you have to — it’s the law. Thankfully, as it’s a change of address, as long as you can demonstrate six months' previous tax and insurance in the UK, it will only cost you the price of the new numberplates. 

Expert answer

Hi Adrian,

Yes, you can. Or at least, you certainly should be able to. Simply ring up your local motor tax office and they should be able to just transfer you to the old engine-capacity tax system. On the insurance front, have you tried getting a good broker? They can often find deals that we orindary humans cannot. 

Expert answer

Hi Alaina,

You can, but some buyers have found it difficult to get private insurance for vehicles that are generally defined as commercials. As ever, Irish insurance companies like to throw obstacles in your path… My advice would be to get hold of a good broker who can possibly help you navigate the system. 

Expert answer

Hi Fintan,

In theory, a herd number might be sufficient, but basically it’s down to the local motor tax office with which you’re dealing. Basically, there’s two threads here — the first is that the vehicle must be an appropriate one for commercial use, and the second is that you must show some sort of documentation that proves that you require the use of such a vehicle. We checked with the Department of Transport, and here’s the reply we received:

"Motor tax is based on both the construction and use of a vehicle.  To be taxed as a goods vehicle, a vehicle must be constructed or adapted as a goods vehicle and must be used solely for the carrying of goods in the course of trade or business.  Under Article 3 of the Road Vehicles (Registration and Licensing) (Amendment) Regulations 1992 (S.I. 385 of 1992), a licensing authority (motor tax office) must be satisfied that the licence (motor tax disc) being applied for is the appropriate licence for the vehicle concerned.   It is open to the relevant motor tax office to seek whatever documentation it deems appropriate in support of an application for a particular rate of motor tax.  In the case of an application for the goods rate of motor tax, such documentation may include a certificate of commercial insurance, a Tax Clearance Certificate, evidence of registration for tax or registration for VAT (if turnover for VAT exceeds the relevant thresholds set down by the Office of the Revenue Commissioners) or, at the discretion of the licensing authority, any other appropriate documentation that would indicate that the applicant is in trade or business. It is up to the individual concerned to provide whatever evidence is required by the licensing authority in order for it to be satisfied that the applicant is entitled to claim what is in effect a concessionary rate of tax."

Expert answer

Hi Pat,

You theoretically could do, but you’d have to show to Revenue proof of at least six months' tax and insurance, in her name, for the car and proof of change of address from the UK to Ireland, again in her name.

Expert answer

Hi Joe,

If you are moving to Ireland, and bringing the car with you, and you can show proof of at least six months’ tax and insurance, as well as proof of change of address, then you’ll be exempt from paying VRT.

Expert answer

Hi Susan,

Sadly, we have no idea. Insurance in Ireland is a minefield so complex that it could put off an entire tank battalion. With your age (insurers tend to get a little jumpy once a driver passes the age of 70 — not fair, but little in Irish insurance is) and the fact that the Tesla Model 3 has some pretty potent performance, I would suspect you could be looking at quite a chunky premium. My advice would — obviously — be to shop around as much as you can, but also to find a good local insurance broker who may be able to help you winkle out some better deals.

Expert answer

Hi Jacqui,

With CO₂ emissions of 173g/km, a 2009 RAV4 diesel is going to be in Band E for motor tax, which means €750 a year. As for insurance, it shouldn’t be too bad, but as ever, Irish insurance is a minefield and often depends more on you and your record than the car, so make sure you take the time to shop around.

Expert answer

Hi John,

Do you mean acrappage trade-in on an old off-roader? Or scrappage trade-in when buying a new off-roader? Yes, is the answer in both cases — most brands currently have some sort of scrappage offer in play, and it really doesn’t matter what vehicle you’re trading in — you’re going to get some kind of discount.

Or, did you mean can you get scrappage on a car that’s registered as being off-the-road? That’s trickier. Really, the car that you’re trading in generally has to get to the garage under its own steam, and show current tax and insurance to qualify. It’s worth having a word with the dealer you’re buying from, though, as there may be some wiggle room on that score. 

Expert answer

Hi James,

Basically, yes, you can import the car without paying VRT because it meets the requirements of age, mileage and tax and MOT. You may have to provide some proof of employment, but in general, the new address should be sufficient. 

Expert answer

Hi James,

The problem is, if you’re using the car for anything other than strictly business use, then you have to tax it as a private car, and on a 2.0-litre engine that means it’ll cost €710 per year. As for insurance, it shouldn’t be too bad, but as ever Irish insurance is an utter minefield, and the advice is — as ever — to shop around and perhaps get in touch with a good local broker before deciding. 

Expert answer

Hi Richard,

The phrase ‘can of worms’ springs to mind. In general, a car can be registered to a company, and taxed and insured by the company, and still used by an individual for social, domestic and pleasure use. That’s how company cars work, obviously, but equally obviously there’s a Benefit-in-Kind tax liability to be paid. So it’s possible that your friend with the Land Cruiser is trying to avoid paying BIK.

In the case of the SUV, in theory a car that’s taxed as a commercial cannot be used for personal, social, domestic, or pleasure driving and there’s a fine to be paid if you’re caught displaying incorrect tax. Now, we should state at this point that we’re neither legal nor tax experts, and that the people you’re talking about could be operating entirely above board, and we’re not going to cast any aspersions on anyone.

Of course, this is Ireland and as we know, we don’t like sticking to the rules...

Expert answer

Hi Aidan,

Insurance is a perennial bugbear and, unfortunately, we don’t have much of an answer for you. It could be that, when damaged, the C4 is more expensive to repair than the Almera, or simply that Irish insurers view anything that’s not a dull four-door saloon as ’sporty’ in some vague way. I’m afraid that the only thing to do is the old ’shop-around’ routine when it comes to renewal. I think it would also be worth having a word with your current insurer, find out exactly why your insurance went up (this might take a bit of drilling down through layers of ‘computer says no’) and make it very clear how dissatisfied you are, and that you’re planning to move your insurance at renewal time. 

Expert answer

Hi Orlagh,

Insurance has for eons been the bugbear of the Irish motorist and, sadly, it’s not getting any easier. Aside from the usual ‘ring-around’ advice, I think your best bet is to find a good local broker — they can often unlock deals not available to mere mortals. 

Expert answer

Hi David,

OK, slightly tricky territory here, and it depends on where you live — in Northern Ireland or in the rest of the UK, as there are two different procedures for replacing a lost licence, you can find more details here: https://www.nidirect.gov.uk/articles/replacing-your-driving-licence and here: https://www.gov.uk/apply-online-to-replace-a-driving-licence. The bigger problem might be your insurance when it comes to sorting out this accident. Unless you can show that you had applied for a replacement licence before the accident took place, the fact that you were driving without a current licence that could be shown to a police officer within seven days might affect how your insurer views the claim.

Expert answer

Hi Paul,

You can, but as for insurance that’s a piece-of-string question — it depends as much on your own personal record and no-claims bonus than on the car. For tax, I’m assuming that this is a 1.8 TDCi model? If so, that’ll set you back €636 for a year’s tax as a private car. 

Expert answer

Hi Pat,

To be fair to the 2 Series Gran Coupe, it’s a coupé in name only — really it’s a 1 Series saloon and is likely to be treated as such by the trade. The conceptually similar Mercedes CLA has solid residuals so we wouldn’t be too worried in that respect.

As far as insurance is concerned, Irish insurers will always find a way to hammer you, but the combination of the relatively mild engine and your own age should ensure that you don’t get hit too hard. And, of course, shop around for other quotes if you do get a big bill.

Of course the right 2 Series to buy is the gorgeous little, rear-drive two-door actual coupe, but perhaps that’s a discussion for another day...

Read our BMW 2 Series reviews here

Expert answer

Hi Catherine,

You’ll probably get a very broad mix of quotes. Some companies will like the fact that you’re an older driver, with a relatively low-powered car, and assess you accordingly. Many others will simply look at your lack of an Irish driving history (and won’t take your Canadian history into account) and will simply try to charge you an absolute fortune.

Our advice would be to track down a good local insurance broker, who may well be able to help you find a better deal than you’d find yourself. Criteria? That would be expecting the Irish insurance industry to be open and transparent, and that’s simply not going to happen...

Expert answer

Hi David,

A camper van that’s more than 30 years old qualifies for vintage tax, which is just €56 a year. You will have to NCT it, but only once every two years. Once it’s older than 40 years, it’ll be NCT exempt. As for insurance, that will very much depend upon your insurer, but usually a classic car policy will have a mileage limit included. Some are as little as 5,000km per year. 

Expert answer

Hi Herbert,

We’ve been in touch with GoCar, which is the current leading supplier of subscriptions for instant, on-street, vehicle hire and drive, and there’s good news and bad news. The bad news is that, normally, GoCar’s insurance only covers those up to the age of 75. However, the good news is that there’s potential for discretion. GoCar might waive the age limit if you meet certain criteria, which include  that you have a valid licence; that you can provide a doctor's letter to say they are fit to drive; and that you can show that you were insured to drive within the last two years, and haven't had an accident in five years. It’s worth a try, anyway...

Expert answer

Hi Ken,

In terms of insurance, you simply need to contact your insurer and tell them that you’re going to tax the vehicle for private, social and pleasure use. There may be an increase in your premium because of this, but it shouldn’t be massive. As for the tax, all you have to do is contact your local motor tax office and inform them that you want to tax the vehicle for private use. That will put you onto the old by-engine-capacity tax system, so for a 2.0-litre TDCi Kuga, that’ll be €710 a year.

Expert answer

Hi Michael,

You only need to show proof of business use if you’re taxing it purely as a commercial vehicle. If you’re taxing it for private use, then all you have to do is let the local motor tax office know, and they’ll shift you to the old by-engine-capacity tax system. As for insurance, just talk to your insurer or broker and they’ll get your sorted. 

Expert answer

Hi Alan,

No. You’ll need to show proof of insurance when you tax the vehicle so if you’re taxing it privately, but insuring it as a commercial, then alarm bells might well be raised. Also, if you did have an accident and your insurance company found out that you were playing both sides of the system, you’d probably have your claim denied. 

Expert answer

Hi Alannah,

Probably not much, no, though insurers seem to be wary of cars over 10 years old. Saying that, when you’re under 30 and on a provisional, you’re the risk factor, not the car. Keeping the engine size as small as possible will help (closer to 1.0-litre is better), but it won’t make a huge difference. 

Expert answer

Hi Trevor,

We’re not sure about the five per cent VRT BIK rate, as that will depend on your personal circumstances and how the vehicle is paid for and registered. Better to ask your company accountant that one. As for being OK to carry passengers for personal use, yes you can, but you’ll have to register it as a private car and tax it as such (which could be tricky if you’re trying to get the van rate BIK) and you’ll have to make sure that your insurance covers it for social/domestic/pleasure use as well as work.

Expert answer

Hi Philip,

It depends on what you’re doing. Are you taking your own car to Europe? In that case, contact your current insurer as cover generally extends to the rest of Europe, and you may only have to pay a small ’top-up’ fee to make sure that the cover is comprehensive, and lasts for more than 30 days.

If you’re renting a car, then insurance is included, and you can always pay extra to expand the cover to fully comprehensive. While car rental agencies charge a proverbial arm and leg for this, there are independent insurers who will add-on the extra cover for a reasonable fee. 

Expert answer

Hi Clare,

A Hilux has a 2.4-litre engine (well, the current one does, but remember that older versions had 3.0-litre units) so if you want to tax it as a private vehicle that’s going to be €1,034 per year for motor tax. I’m pretty sure you can’t register and tax a horse lorry for private use as it’s over the 3,500kg limit for private cars. The tax therefore would be the commercial rate of €333 per year. As for insurance, that’s probably more down to you and your own driving record than it is to the vehicle, but the good news is that there are specialist horse lorry insurers, such as Wexford Insurance, who would probably be able to give you a good quote. 

Expert answer

Hi Ultan,

When you tax a commercial vehicle as a private car, it means you revert to the old by-engine-capacity tax system, so with a 2.5-litre engine, a 2014 L200 is going to cost you €1,080 a year in road tax.

Expert answer

Hi Brendan,

I think your best bet is to find a good local insurance broker, who may be able to find you a particular deal or provider who can help. If you try and just ring around, you’re going to run into a brick wall as you have no recent insurance in your name, nor any named driver experience. It’s probably going to be expensive, either way, I’m afraid...

Expert answer

Hi Aime,

As ever, welcome to the wonderful world of Irish car insurance… You’re totally within your rights to be able to use a van as a private car, and actually you’re doing the right thing by registering it for private use, and informing your insurer. Many people just break the law by driving a commercial for private use without ever paying the extra tax or informing their insurer. If you’re struggling to find cover, I would track down a good local broker — they’re usually much more clued into the market than the call-centre staff of insurance firms, and can often find deals that we mere mortals can’t.

Expert answer

Hi Jacinta,

Yes, you can. Anyone can buy a commercial vehicle and take advantage of the lower rates of VRT — that’s fine. The only tricky part comes, as you rightly point out, when it comes to taxing them. Then you have to tax the vehicle as a private car, and that means (for some bizarre reason) reverting to the old  by-engine-capacity tax, which obviously is going to be a bit pricey for a 3.0 Hilux. Maybe consider a 2.0-litre turbo VW Amarok, as that will bring down your annual motor tax bill considerably. 

Read this for more: Buying a commercial vehicle for private use

Expert answer

Hi Kris,

The problem is that Irish insurers are a bit blunt-force when it comes to deciding their rates, and generally speaking (and completely erroneously) they simply tend to go by engine size. So even though there are plenty of older 1.9-2.0-litre diesel engines with similar power outputs to a more modern 1.6, they’ll probably quote you more just because it’s a bigger engine. Stupid, but then that pretty much sums up the insurance industry in Ireland. All I can suggest is either biting the bullet and getting a 1.6 that maybe you’re not as keen on, or finding a really good local broker who can help you track down quotes that us mere mortals can’t find. 

Expert answer

Hi David,

If you are using the Navara strictly for business work, and not for social, domestic or pleasure use, then you can tax it as a commercial vehicle for €333 a year. If you are using it for any personal driving, then you have to transfer it back to the old by-engine-capacity tax system and, with a 2.3-litre engine, that’s going to work out at a hefty €994 a year, I’m afraid.

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,

Expert answer

Hi Sydney,

Simple — you need your van’s registration number, a PIN code (which is usually the last six digits of the registration document number), your insurance details and a way to pay — usually a credit card or debit card. Head on over to motortax.ie and it should be all pretty simple.

Unless of course you mean that you’ve got a conventional car and you want to tax it as a van. You’re into the world of conversions at that point, and will need to permanently remove the rear seats and blank out the rear windows. There are plenty of firms that can do that, and which will help you with the taxation side of things too, but make sure you shop around and pick a reputable one.

Expert answer

Hi Kevin,

Expert answer

Hi John,

You SHOULD (emphasis ours) be OK from the VRT perspective. As long as, according to Revenue, you’ve lived at your current address for 185 days or more, and can show proof of your move to Ireland, then you won’t be charged for VRT. Fuel and insurance costs for a Macan are a different story...

Expert answer

Hi there,

Expert answer

Hi Pat,

The problem is that Ford Ireland, legally, cannot impose delivery charges on its dealers. It can suggest recommended delivery charges, but according to Irish law (and companies have, in the past, had their offices raided for this sort of thing), dealers are allowed to charge what they want for delivery and related. A spokesperson for the Competition and Consumer Protection Commission told us that: "Consumer law requires traders to provide the total cost, including extras, of a product to a consumer before they buy. In the specific instance of when a manufacturer is advertising a car for sale, the manufacturer can only advertise the recommended retail price and state that delivery and related charges will be extra. If a consumer then decides to buy that car, they should be provided with the total price by the dealer before they buy. Auxiliary costs such as motor insurance, tax etc. are not dealt with specifically under consumer protection law. However, through our information campaigns, we would encourage consumers to do their homework about such costs before making a purchase."

Expert answer

Hi Cathal,

Sadly, that’s just impossible for us to answer. Insurance prices have gone crazy in the past few years, and while they’ve calmed down a bit, insurers do love to hammer younger and learner drivers. It doesn’t help that you’re learning on a 1.4-litre engine. If you could get a car with an engine closer to 1.0-litre in size then you might do a bit better, but even then you’re looking at a four-figure first-year policy.

Expert answer

Hi Paul,

A very tricky one, and as ever with Irish insurers, you’re quickly going to run up against a brick wall of intransigence. My best advice would be to get in touch with a good local insurance broker, as they can often find ways around issues such as this, and can sometimes track down policies that mere mortals cannot find.

Expert answer

Hi Sharon,

If it’s safety and reliability you’re looking for, choose from either the Yaris or the Fabia. They’re the safest bets in the car market in general, and certainly the strongest cars of the ones you’ve suggested. The Yaris, with its insurance-friendly 1.0-litre engine, is probably the best overall. Here are our reviews of each:

Skoda Fabia review

Toyota Yaris review

Hyundai i20 review

Suzuki Swift review

Opel Corsa review

Expert answer

Hi Paul,

It depends. If it’s the basic 1.6-litre petrol model, then your VRT will be around €3,000 (ish, depending on spec) and that model already appears on Revenue’s system. If it’s the more expensive version with the 1.2-litre petrol turbo, then it’s trickier as, you’re quite right, Revenue doesn’t have that car on its systems.

I would think they’ll hit you up for around €4-5,000 in VRT for one of those. The process isn’t too difficult, as such, but if you don’t fancy it, the new, updated Dacia Duster will be launching next year, and that should finally come with a petrol engine option here.

Expert answer

Hi Kieran,

Yes, the 1.6 TDI engine in the Octavia should have manifold-in-head tech. All EA889 derivative engines, built from 2013 onwards, have manifold-in-head construction, and that goes for 1.6 as well as 2.0 diesels.

Expert answer

Hi John,

OK, lots and lots of options. How about a Fiat 500? Great looking, fun to drive, well made and that 1.2-litre petrol engine is willing enough to tackle motorway work from time to time.

Late 2000s MINIs fall into your budget too, and they're great fun to drive, roomier than the 500 (well, a bit) and solid on longer journeys.

You could be dead sensible and go for an Audi A3 1.6 petrol and there'd be nothing wrong with that - ticks all the boxes.

Or maybe something a bit more left-field? How about a Volkswagen Beetle? An original Mini (we did find one in your budget) or even a Smart ForTwo Brabus?

Expert answer

Hi Kay,

Yes, you should see a considerable saving on fuel, probably in the order of 10mpg at least, depending on how and where you drive. It is worth noting, though, that you will also be looking at considerably higher maintenance and servicing costs, as the 320d is much more sophisticated and high-tech than your Golf and, without careful, regular attention from a specialist they can start giving serious trouble.

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Hi Hugo,

Generally speaking, no bank or finance company cares very much where the payments are coming from as long as they come, but I would advise you to be up front about all this, and speak to the finance provider in question. Make sure you tell them exactly what it is you’re planning to do, as there may be implications for the loan rate and the insurance for the loan if you’re moving territory. Some providers won’t accept payments from an overseas source, so make sure you’ve checked everything out with them first, so as to ensure that all is above board should you need to change anything further down the line.

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Hi Steve,

Unfortunately no, we can’t. The Irish insurance sector is byzantine at best, and downright mendacious at worst. With a high-performance vehicle such as the XKR, you’re probably looking at at least a four-figure premium, in spite of your good record, but we’d suggest getting in touch with a good broker, who may be able to squirrel out deals that others can’t.

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Hi Eoin,

Young driver insurance is always going to be a sticking point, and adding sporty into the mix is just going to drive your premium up and up and up. You really need to stick to as small a diesel engine as possible, so how about a SEAT Ibiza 1.4 TDI? It’s a good looking car, roomy and reliable, and has a whiff of a sporting image that can be added to with body kit and wheel options as and when your budget allows.

Expert answer

Hi Patrick,

To qualify as 'vintage' for tax purposes a car must be 30 years old or older. For insurance purposes a car can sometimes be younger than that,  but most insurers will demand that you have a more modern car for everyday driving as well as the classic. 

Expert answer

Hi David,

Yes, you could just about do 48km each way in an electric car, certainly in the Ioniq and just about in the 30kWh Nissan Leaf, although it would be hugely helpful if there could be some way of charging up at work. A Renault Zoe might do the trick too.

Hyundai asks for a minimum €5,000-odd deposit on a new Ioniq, and the repayments are quite steep so that one might be out of the question, although they come down to around €360 if you can put a €10,000 deposit down. A basic Nissan Leaf, with €6,762 down, will cost you just €264 a month, which might leave enough wriggle room to go for the bigger battery, and Nissan has some tempting free insurance offers on at the moment, while Renault asks just €179 a month for a Zoe, but the battery rental is extra and it comes with some quite tight mileage stipulations.

The other, possibly better, option would be to go half-electric. Toyota can put you into a Prius or an Auris Hybrid for as little as €199 to €263 a month (again, depending on deposits etc.) or you can get the rather impressive new Kia Niro for €353 a month with a €9,000 deposit. All of those should average as much as 60mpg, which would put a big dent in your fuel costs.

Read our relevant reviews here to help you choose:

Kia Niro review

Hyundai Ioniq Electric review

Nissan Leaf review

Renault Zoe review

Toyota Prius review

Expert answer

Hi Richard,

We asked Eddie Coleman of Conlan Crotty Murray & Company Chartered Accountants for some help on this one and here was his response:

"For a self-employed VAT-registered sole trader the most tax efficient vehicle to purchase for business use would be a small commercial van/SUV.  As the private use element of the vehicle is likely to be minimal VAT could be recovered on such a vehicle in the proportion that business use bears to the total usage of the vehicle.  As there should be a high business usage of the vehicle most of the running costs of the vehicle, such as insurance, fuel, maintenance, etc. could be expensed for tax purposes, again in the proportion that business usage bears to overall use of the vehicle.

If an individual decides that a small commercial vehicle is not appropriate and decides to purchase a car then there would be very limited tax deductibility for VAT purposes.  If a car falling into Category A, B or C is acquired, then 20 per cent of the VAT paid on purchase of the vehicle could be recovered where at least 60 per cent or more of the usage of the car is for business purposes.  There is a potential claw back of the VAT recovered if the car is sold within two years of acquisition.

If the car is acquired by way of a hire purchase agreement or loan finance then the vehicle is treated as owned by the individual.  The capital cost in those instances can be claimed by way of an annual capital allowance write-off equivalent to 12.5 per cent of the cost of the vehicle, restricted to business use as a proportion of overall use of the vehicle.  If a new vehicle is being acquired then it may be possible to do so by way of a finance lease.  In such circumstances it may be possible to write-off the capital cost of the vehicle over a shorter time frame, again subject to business use restriction on the allowable tax deduction."

Expert answer

Hi James,

Usually you can get so-called 'bridging' insurance from a UK-based insurer to cover the car for a few weeks on it original plates etc. to deal with this sort of situation. I think a quick ring-round should see you right. 

Expert answer

Hi Martin,

Dealer seal isn't really worth it in my opinion because for most of the year Irish roads aren't gritted and salted. I know they are this week, but a regular trip to the car wash will do just as good a job as 'dealer seal.' Protect coating is pretty similar. You'd be better off just keeping the car in good condition and taking care of stone chips etc as and when they occur. Step back protection is like any form of payment protection insurance - it has its uses, but buy carefully and make sure you study the small print with great care. 

Expert answer

Hi Martin,

There are certainly no concrete plans that we’ve heard of. There was some discussion of the subject, back in 2014 when the UK did away with paper tax discs, that Ireland might move to a similar system, and the abolition of being able to carry over unused vehicle tax from one owner to another is kind of the first step on that road. Dublin City Council this year suggested that we should start moving towards paperless tax but plans haven’t gone any farther than that for now.

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Hi Liz,

It will depend on your insurance company, but the sad fact is that insurers in Ireland are still wrong-headedly welded to the idea that a bigger engine automatically makes you a higher insurance risk. 

Expert answer

Hi Peter,

Sadly, there isn’t. Compared to the UK insurance market, the Irish market is still somewhat in the dark ages when it comes to price comparison sites etc. No substitute for legwork, I’m afraid.

Expert answer

Hi Eoin,

Mapfre and Carprotect provide decent cover, but, as always with these things, you need to make sure you read all of the small print, and we mean ALL of it, to ensure you know exactly what’s covered and what’s not and in what circumstances. Basically, rather like accident insurance, aftermarket warranties are there to cover utter disasters, not replacement of day-to-day items.

Expert answer

Hi Eoin,

There are a number of UK-based insurers who offer one-day car insurance, usually up to a maximum of 28 days, so a quick run through Google should see you sorted. If you’re concerned about not knowing which company is which, the Royal Automobile Club (RAC) offers a short-term policy, and that should be very trustworthy. Just make sure that you check and ensure that the coverage will extend to Ireland for the time you need to get a local policy sorted out.

Expert answer

Hi Rob,

No, it sounds like you're covering all the legal bases there. Highly conscientious in fact. 

Expert answer

Hi Martin,

To be fair to the car companies, they would all like to see the end of VRT – there’s little or no protectionist advantage to them (aside from it causing a small, largely ineffective brake on personal imports) and freeing customers from that yoke would make the Irish car industry much more competitive.

As for lobbying against it, that has largely dried up now. Why? Because of the tacit admission that even if VRT could be dismantled, any Irish Government would simply come up with a replacement for it. Even with the Apple tax decision hanging in the air, no Minister for Finance is going to turn off a €4 billion annual tap of combined motoring revenues, of which VRT makes up a a major component.

As for the application of both VRT and VAT to major safety items, you’re quite right – that is a staggering shame, one that should (but probably doesn’t) weigh heavily on the consciences of all in the Department of Finance, the Road Safety Authority and the Society of the Irish Motor Industry. Whether it’s autonomous emergency or a child safety car seat, adding VRT and/or VAT increases the price and makes it less likely that a customer will spend the extra to buy that system, not least because there is no benefit to your insurance premium for doing so.

Mind you, in some ways, Irish customers have only themselves to blame. Back in the early 2000s, when anti-lock brakes were often an option, and not an especially expensive one at that, most buyers shunned them in favour of a sunroof or a better stereo…

Expert answer

Hi Rita, 

It varies from offer to offer – most deals specify that you need to be able to demonstrate ownership and use of the car and that it has to be driven onto the forecourt under its own power, so you need to check the fine print of any of the ‘scrappage’ deals you’re looking at to see exactly what proof they need. All will need at least current road tax, but not all will want to see insurance details.

Expert answer

Hi Marc,

Dealing with insurance companies is like trying to teach a Labrador the entire works of Shakespeare – you can do it, but it’s frustrating and rarely results in the outcome you were hoping for. I think in the first instance, get a letter from your Audi dealer (and make sure it’s the garage YOU want to deal with, not one your insurer is suggesting) and get a letter from them that you can show to your insurer saying that a replacement is the best option. Then prepare to spend a LOT of time on the phone and on email reiterating this to various claim adjusters and customer service bods for probably weeks on end. Eventually, you may get somewhere, but to be honest, the path of least resistance looks pretty tempting here…

Expert answer

Hi Rob,

Well, as far as discounts go, most dealers operate on about an eight per cent margin, so if you're asking for more than a seven per cent discount you're asking for a below cost price. You should get a decent discount for cash right enough, but explore the credit options too - dealers often get bonuses for selling a credit plan so if you can get a good one (at zero per cent interest obviously) and pay it off from your lump sum, it may give the dealer a bit more wiggle room for a discount.

As for the model, with a starter car and the current cost of insurance you need to be looking at no more than a 1.0-litre engine. Happily your budget will easily get you into a Volkswagen up! 1.0, one of the best small cars around (or equally you could go for a mechanically identical SEAT Mii or Skoda Citigo). Can't go wrong really, although if you're looking for other options you could try an Opel Karl (plain but decent), a Renault Twingo (fun but not as well made as the up!) or the Fiat 500 TwinAir (fabulous car, but get an insurance quote first).

Here are reviews of all of those to help you decide:

Volkswagen up! review

SEAT Mii review

Skoda Citigo review

Opel Karl review

Renault Twingo review

Fiat 500 TwinAir review

Expert answer

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. 

Expert answer

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.

Expert answer

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. 

Expert answer

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

Expert answer

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).

Expert answer

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.

Expert answer

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. 

Expert answer

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.

Expert answer

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.

Expert answer

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.

Expert answer

Hi Rose,

Yes, it's a good car. A little quirky to look at and a little bit noisy to drive, but really roomy (hence the name) and very well made and reliable.

But it's not high up off the ground. The front seats are mounted higher than those of a Fabia - 30mm higher in fact, but if it's height you want, for ride height for rough roads, you need to look at the Skoda Yeti.

Expert answer

Hi Martha,

It's a sad, but increasingly common story - Irish insurers are currently crushing owners of cars that are 10 years or older simply because, actuarially, they're more likely to be involved in an accident. I'm afraid that, unless more operators come into the Irish market to offer some competition, or unless the Government intervenes (which seems hugely unlikely) then there's very little that can be done. 

Expert answer

Hi Barry,

We contacted a few Irish insurers and, while the premiums will still probably be high, both Axa and Zurich expressed an interest in your custom. We've put them in touch with you directly.

Expert answer

Hi Ash,

Well, obviously you could sell it and try and buy something younger, but don't lose hope - you can still get insurance for older cars. Try and find a good broker who can run through the options for you.

Expert answer

Hi Laszlo,

I'm afraid not. When you import the car into Ireland it will have to pass through an NCT (National Car Test - our equivalent of the MOT) before it can be legally registered here. That shouldn't be a problem though - any car that can pass an MOT should also pass an NCT. The problem is that because you have owned the car for less than six months, you'll get caught for Vehicle Registration Tax (VRT) when you bring it in to the country - and on a 2.5-litre V6 engine that's going to be 36 per cent of what the Revenue Commissioners judge the vehicle's market value to be. This could get very expensive and you might be better off selling the car before you move and buying something new here.

Expert answer

Hi John,

The critical question here is how much road tax and insurance pain are you willing to take? An early 2000s Porsche 911 will crack 5.3 seconds 0-100km/h all day long but you'll pay through the nose for tax, disc and servicing. And never, ever buy one without a full Porsche or Porsche Specialist service history.

Most Mercedes-AMG models from the same era will do similar but again the same caveats on servicing and running costs apply.

A BMW M3 Evolution will do 5.5 seconds, but watch for ones that have been badly fiddled with or modified.

Probably better would be a Ford Focus RS or a Volkswagen Golf R or R32. Both are pretty rugged in the reliability stakes but again you have to be wary of cars that have been modified or altered from standard. 

However, possibly the best bet is a Honda S2000. As long as you don't need back seats it's a fantastic thing to drive, will do 6.0 seconds 0-100km/h and it's rock solid in reliability terms. Loads around well within your price band but again watch carefully for badly done modifications or cars that haven't been cared for.

Expert answer

Hi John,

Sorry to hear you're still having trouble, but if it helps, you're not alone. Aviva (along with Allianz) have announced that they're no longer going to provide cover for new customers with cars older than 14 years. Now, in a statement last week, the company did say that it would continue to cover existing customers with such cars, and would provide cover for existing customers purchasing such cars, but from what you're saying there it seems that Aviva simply doesn't want your business anymore and is therefore giving you quotes deigned to push you into either replacing your car with something younger or moving to another insurer. 

Thankfully there are plenty of such insurers out there, so I'd say give customer loyalty a good kick up the backside (it's a worthless thing these days anyway) and get yourself a better quote from elsewhere. There are insurers out there who will cover you. I've just put a few random details into the One Direct system for instance and got a quote of €840. Too expensive? You'll just have to shop around but the best bet for you could actually be to find a good local insurance broker - they can get access to deals and policies denied to us mere mortals. Beware though, the unfortunate and inevitable downside of Avivia and Allianz's decision is that other insurers are going to start putting extra risk loadings on older cars, so your premium is probably going to be pretty expensive wherever you go.

A representative of AXA insurance asked to be put in touch with you, so hopefully that goes well.

Read the news story about insurance on older cars here

Expert answer

Hi Philip,

It's basically the same as any other Golf (well built and slick to drive, but make sure the diesel engine has had all its services done)  with a chunkier, sportier body kit. For those looking for GTI styling without the insurance and running costs, it's a good choice. 

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. 

Expert answer

Hi Anna,

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

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. 

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.

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.

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.

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.

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.

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

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

Expert answer

Hi Andrew,

You're in an enviable position! I'll take your points one by one:

1) Mileage: you definitely do enough miles to see a benefit in having the GTD diesel model, assuming much of it is on the motorway. But the Golf R and GTI aren't really all that bad at a cruise either...

2) Gearbox: I personally would prefer the manual, though I accept that it's a very personal thing in a performance car and if you're used to automatics then stick with the DSG. For the record, it doesn't detract from the car one little bit.

3) GTD vs. GTI: if you read my review you'll see that I was pleasantly surprised by this car, but it took very hard driving to make it shine. At regular speeds (i.e. most of our driving) it felt quite ordinary, whereas the GTI always feels special.

I must admit that, if my budget stretched to the Golf R (and it's cheaper than ever now), I'd go for it. It's always going to be rare and exclusive (though perhaps hard to sell on) and as well as the extra performance it has a brilliant four-wheel drive system.

Nonetheless, I reckon the Golf GTI Performance is probably the best all-round choice, as you've identified for yourself. It's a sensational car, noticeably better to drive even than the regular GTI. You won't regret it one little bit.

Let us know which way you go in any case and here's some more reading for you:

Volkswagen reduces the price of the Golf R

Volkswagen Golf GTI five-door manual road test

Volkswagen Golf GTD road test

Volkswagen Golf GTI Performance (manual)

Expert answer

Hi Simon,

OK, for that kind of budget you have a wealth of options, new and used. How about a new MINI Cooper S 2.0-litre? Massive fun to drive, affordable to run (it'll do 50mpg and costs just €290 a year to tax) and they're really well built. Better yet, a brand new one starts at €27k so you have plenty left over for insurance, extras and servicing.

Not practical enough? How about the best hot hatch around at the moment then? The Volkswagen Golf GTI? Your budget just about gets a new one, but it'll be pretty basic. Better to go for nearly-new; get one with a bit of spec and make sure it has the optional Performance Pack fitted - it turns a brilliant car into a gob-smacking one.

Expert answer

Hi John,

A lot. Sorry, but that’s just the very harsh truth for you. If you’re a new driver, or worse are aged under 30, you’re going to pay an absolute fortune. If you can, trade down to a 1.0-litre car as that will help a little and definitely find yourself a good insurance broker to help you find the best possible deal.

Expert answer

Hi Eoin,

Go for the Corolla. Its long term reliability prospects are better than those of the Polo, it'll be far more comfortable on the motorway and barely any more expensive to fuel and tax.

Expert answer

Hi Cinta,

Sorry, we're not a comparisons site. You're 17 but you don't say whether you have a full licence or a provisional, nor whether you have any penalty points or any other details about yourself. The only way to find out is to start wearing out the phone lines and the internet cables by searching and shopping around all the major providers. And then get yourself put on your dad's insurance just like we all did...

Expert answer

Hi Nicola,

The best we can suggest is to have a good long ring around and a trawl through t'internet I'm afraid. Clearly, a car with GT in the title and 140 horses under the hood is going to flash alarm bells with any insurer when you give them your age. Quote Devil seem to be a good starting point for young driver insurance these days, but with a car that grunty you're going to be getting big quotes wherever you go, especially as you're still on a learner licence.

So, shopping around, lots, is really your only option. Either that or trade in the Golf GT and get a 1.0 Micra...

Expert answer

Hi Lee,

You've got to keep the engine size down, basically, if you want cheap insurance, but we would also suggest getting something that's good to drive, simply because exposure to good vehicle dynamics early on makes better drivers of us all. So, probably the best balance is to go for a Ford Fiesta 1.25. There are loads of them around and they're cheap to run, decently reliable and very safe. It would also be worth tracking down a Suzuki Swift 1.3, as they're fab to drive and close to indestructible.

However, if even those engine sizes are running the insurance bill up too high, then you need to think  smaller and go down to a 1.0-litre engine. In that case, I'd suggest either a Toyota Aygo (or a mechanically identical Citroen C1 or Peugeot 107) or, if the budget will stretch, a Volkswagen up!, Skoda Citigo or SEAT Mii.

What do you think?

Expert answer

Hi Sean,

Well, any insurance company is going to load any male driver under 30 with a hefty premium, and if they're going for a BMW, any BMW, then that premium will be stacked higher still. Perhaps it would be better to seek out a version of the 1 Series that doesn't specifically have the word 'Sport' in its name? The SE model is just as good to drive and look at and there's no actually major dynamic benefit to having the Sport badge on the car.

Or, if the insurance is still working out too steep, why not consider a MINI? A One D would be pretty much as much fun to drive as the 1 Series, cheaper to run and insure and still has that BMW-style handling (front-wheel drive notwithstanding). Could be a better car to drive until he's past 30 and into the sunlit uplands of cheaper insurance.

What do you think?

Expert answer

Hi Michael,

Well, it kind of depends on the car. If you mean something along the lines of a Hyundai i10 or even a Peugeot 208 (ok, so that one's a 1.2 but still...) then the answer is not much. Fuel economy should work out at around 50mpg depending on how you drive; emissions should be under 120g/km; and insurance should be dirt cheap.

If you're talking about an older model, the waters are a bit muddier. Smaller engines generally mean lower running costs but there are cars out there with underpowered smaller engines, and you have to spend so much time ragging them to keep up with the flow of traffic that your fuel consumption goes through the roof.

Expert answer

Hi Gary,

Very, very hard to go wrong with a Golf for your starter car. Cheap to buy and maintain, but if you get a nice one, clean it and care for it, it'll look every bit as classy and desirable as a brand new one. The 1.4 has all the performance of a slow moving glacier, but that's probably why the insurance is so cheap. It's also worth having a look for a nice 1.4-litre MINI One, if only for the sheer fun of the thing, or if you wanted to be really, really sensible (and shave even more off the insurance) you could track down a 1.0-litre Toyota Yaris.

Let us know how you get on

Expert answer

Hi Kal,

Right, you need to be aiming for an engine under 1.0 litres to keep the insurance costs as low as possible. If you're buying new, how about a Volkswagen up! or a Hyundai i10? Both excellent, both very safe. If you're buying used, stretch the insurance budget to a 1.2-litre engine and track down a nice, well cared for Nissan Micra - safe, easy to drive and ultra-reliable.

What do you think?

Expert answer

Hi Matthew,

Wow, that's a brave decision. First off, the RX-8 is and always will be one of our favourite cars - light, agile, fun and with that screaming rotary engine up front. It's a gem of a car, and pretty reliable too.

Now the bad news. It's going to cost you a fortune to insure. You say you're starting to learn driving, but you don't specify your age. If you're under 25 you may well find it impossible to get any cover, but if you still live at home you may be able to do the old named-driver-on-your-parents-insurance trick. Even if you're over 25, as a first time driver your insurance is going to be well and truly loaded - the RX-8 is a proper sports car (and occasionally tricky in the wet) and most insurers will not be keen on insuring a novice on such a car.

Assuming though that you can sidestep those hurdles, go for it! If you start your driving career with an RX-8 you'll be getting off to a terrific start. One word of advice - invest in a high performance tuition course to help you better understand the ins and outs of driving a fast, rear-drive car. It'll make you a better driver anyway and it could save your life.

Let us know how you get on

Expert answer

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.

Expert answer

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.

Expert answer

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?

Expert answer

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

Expert answer

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.

Expert answer

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.

Expert answer

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.

Expert answer

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.

Expert answer

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

Expert answer

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.

Expert answer

Hi Jeff,

If insurance is your main concern, then think smaller. Get as close to 1.0 litres as you possibly can. It’s a bit of a cliche, but the best cars in that arena are those good old reliables the Nissan Micra and Toyota Yaris. Lots around in your price range.

Expert answer

Hi Ian,

There are really only two options when it comes to S-Max engines and those are the 125hp 1.8 TDCi diesel and the 2.0-litre TDCi diesel in 140hp form. There was a 163hp version as well, but they're pretty thin on the ground and forget about the rarer than hen's molars 2.5-litre 212hp petrol version with the engine from the Focus ST; it was fantastic fun but nobody bought one as far as we can tell.

Now, originally both the 1.8- and 2.0-litre engines shared the same 164g/km CO₂ rating, which makes road tax a bit on the pricey side (€570 a year), but in 2010, Ford facelifted the S-Max, dropped the 1.8 TDCi and introduced an updated 2.0 diesel with emissions of 143g/km, making for a much more palatable €390 a year tax bill. So, that's the one we'd advise you go for and as long as you get either a Zetec or Titanium spec version, you'll get a reasonable amount of toys to keep you happy in the cabin.

Cracking car, the S-Max actually. Spacious but terrific to drive. Let us know how you get on.

Expert answer

Hi Mark,

If you're buying from a reputable dealer, then you should expect to get at least a six-month warranty, and indeed there are car company-backed approved second hand programmes where you can get as much as a two-year warranty, which is pretty good. 

That said, buying an aftermarket warranty is a pretty good idea, once the costs work out. You'll have to decide on the model of car and year in order to get a quote, as it's basically like an insurance system for your mechanical parts, and make doubly sure you read all the small print and know for certain what's covered, under what circumstances, whether knock-on damage (i.e, when the failure of one component causes the failure of others around it) and if there's an excess etc.

Hope that helps

Expert answer

Hi Des,

If it’s a factory-approved enhancement, then you should be fine as the car has been homologated to accept that upgrade from BMW itself. As long as you let your insurance company know, you should be fine, but, yes, they’ll probably bump up your premium a bit. You might want to call them first and ask them how much extra it will be, because it may not be worth it for an extra 13hp.

Expert answer

Hi Erwin,

Ignition coil packs and excessive oil consumption on higher-mileage cars seem to be the only major faults, but then again basic Polos were so stingily equipped that there's nothing much to go wrong. Watch for engine wear though - it's an underpowered car and you need to rev the nuts off it to get any decent performance, with consequent wear and tear issues. 

Keep it in town, at low speeds, where it was designed to work, and it should be cheap to run, with very cheap insurance too.

Expert answer

Hi Bartlomiej,

Well, it kinda depends what you mean by SUV. If you mean large, the likes of the Hyundai Santa Fe, Honda CR-V etc, then it's probably best to wait until the new 1.6-litre, front-wheel drive version of the Honda arrives later this year, as that will be a big, spacious SUV that has emissions of under 120g/km, although the lack of four-wheel drive might not appeal.

If it's the smaller ones you're looking at then I'd suggest a Skoda Yeti. It bridges the gap, size-wise, between the very small Nissan Juke and the large stuff like Mazda's CX-5 and the Kia Sportage. Go for the 1.6 TDI Greenline version and you'll have a spacious, rugged, practical family car with Band A4 tax (€200 a year) and it should do a pretty steady 50mpg most of the time.

Want something a bit more flash? The MINI Countryman, with its 1.6-litre diesel engine, is super-frugal, but you do need to spend a bit on options to get the right look.

It may also be worth waiting a couple of months until the new Renault Captur and Peugeot 2008 arrive on sale, as both should prove very affordable to run.

Expert answer

Hi Liam,

Wow, you're 24 and thinking of a Honda Accord? I thought all you young 'uns wanted Citroen Saxos or Civics? Well, frankly, I don't think I can recommend a better car than the Accord. They're comfy, refined, spacious and utterly reliable. Just watch the insurance rating as the smallest possible engine is 1.8-litre and that could really crank up your premium.

Again, the Lexus IS is a good choice with solid reliability and a playful rear-drive chassis thrown into the bargain. €15,000 gets you into the current model (just about to be replaced actually) easily enough, and the 2.2-litre diesel engine is the one to go for - it's punchy and frugal.

Let us know if you'd like other suggestions.

Expert answer

Hi John,

Interestingly, you haven't given us a budget to work with here, so that means a whole world of possibilities looked to be opening up, and then you hit us with the sub-2.0 clause, which instantly shut them down again.

So how about these for some suggestions:

Kia Sportage: you'll get a 2.0-litre diesel 4x4 auto for €35k and it's as stylish and good to drive as you could wish for.

Want something a bit more premium? How about an Audi Q3? Very stylish, but a bit more pricey. €41k gets you a 2.0 TDI quattro.

Finally there's the new Ford Kuga. Bigger and more practical than either of the other two mentioned, you'll pay €43k for a 2.0 TDCi diesel with Powershift auto.

What do you think?

Expert answer

Hi Jonny,

Right, there's a couple of easy answers to this question and they are Volkswagen Polo, Toyota Yaris and Ford Fiesta. There are tonnes of them around, they're all safe and the Yaris can be had with a 1.0-litre engine so low tax and insurance rates are assured.

But... But there are a couple of possibilities that are a bit more fun and a little more interesting. How about a Suzuki Swift? Not as spacious as the above trio, but as your child is only one that's not really an issue for now. Besides it's way more fun to drive than any of the others and Suzukis are super reliable.

Or you could go for something a bit more trendy and exciting. €5,000 is the absolute bottom end price for a Fiat 500 but you might be able to track one down, and it's fun and funky as well as safe and cheap to run. Or there's the mother of all fun hatches, the MINI. €5,000 gets you lots of choice but we'd go for a MINI One (it avoids the extra insurance loading of a Cooper) and have a good shop around to find one with decent equipment. Fun, just about spacious enough (if you juggle the seats around), safe and with a great chassis and great all-round visibility, it's ideal for a learner.

Come back to us if need help to narrow things down further.

Expert answer

Right, tough combination this as I'm assuming you want to be able to carry the bike inside the car, rather than on a boot-mounted carrier. If you're going down the carrier route, then you won't go wrong with one of the old favourites like a Fiesta, Corsa or Punto.

If, however, it's space inside you need then you need to go a little left-field. How about a 2006 Renault Modus 1.2 Dynamique? True, Renaults of that age aren't the most reliable of cars, but the 1.2 petrol engine is a well-proven unit and the space inside the Modus is not to be sniffed at. Plus it's one of the safest cars you can buy. All that and we found one listed at only €3,950 from a dealer.

What do you think?

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.

Expert answer

Hi David,

Your car is worth closer to €8,000. That might make a difference to the insurance, but don't be tempted to say it's worth less than it is.

Good luck and let us know how you get on

Expert answer

Hi Ciaran

I couldn't look past a Mazda MX-5 for that money, but since I'm no expert on the Jap import stuff, I though I would ask Paul Healy @bespoke32 who does know a bit. He said "The main problem associated with the Toyota Levin and its twin brother the Trueno is related to the Superstrut suspension. This is a complicated set-up that mimics a dual wishbone system  giving the car better handling. Unfortunately it is also expensive to repair if it goes wrong. Some owners replace the whole system with a conventional suspension when the Superstrut fails while others have splashed out on the right parts to keep it in place. Look for the second kind of owner and ask questions about the Superstrut.

The Levin was launched to take on the Honda Civic Type R and SiR but even the range topping BZR model is noticeably slower. The quoted figures of 160bhp+ only apply to cars run on higher octane Japanese fuel and the Levin seems to come of worse than its competitors when run on Irish juice.

The aforementioned Honda’s post closer to their factory figures as too does the Nissan Pulsar VZR and the Mitsubishi Mirage Mivec. If insurance allows the Honda Integra Type R or SiR would be our pick.

Unless you are specifically looking for a modified/tuned car aim for one that is as untinkered as possible. There are just too many problems that could arise from somebody else’s bad work."

Expert answer

Hi Pauline,

We've not used them ourselves, but the credentials on the website seem to suggest it's a legit operation.

As with all insurance quotes make sure you read the small print before committing.

Hope that helps

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Hi Dermot,

For insurance purposes it is probably worth about €13,500. I hope this helps.

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Hi Eileen,

I am presuming that you don't have windscreen cover through your insurance. This is something that you should certainly look at in the future. We contacted Fiat Ireland on your behalf and the cost of the windscreen, including fitting for a 2003 Fiat Doblo is €310. You might want to check with some independent outlets to compare prices though.

I hope this helps.

Expert answer

Hi Caroline,

Paddy here. Given your budget, I would say that you need something that is going to be easy to live with, cheap to run and reliable. 

The Suzuki Swift is a really easy car to own. It is reliable, spacious, cheap to run (tax, fuel, insurance) and good value too. This one I have picked out because it has really low miles (10,000km) and is about half way up your budget: Suzuki Swift

Another decent buy would be a Ford Focus 1.4 - which is a really good larger family hatchback with a big boot. This one we found has just 34,000km on the clock, comes from a good dealership and the price is good: Ford Focus

At the upper end of your budget would be a Volkswagen Golf. They are really good investments because they hold their value well. This one again has really low mileage: Volkswagen Golf

I hope some of these are of interest. I think the Swift would be a super choice for you guys though. 

Come back to us if you need more advice though.

Expert answer

Hi Chloe,

The fact that you really seem to like your car would signify that perhaps you should simply change to the 1.7-litre diesel SXi version of your car and save yourself a few quid in the process. You will probably get around €11,000 - €11,500 for your car at current market prices, but that should leave you well placed to replace it with a diesel model without too much trouble.

There weren't too many SXI models in Ireland with diesel engines but there do appear to be a few Vauxhalls imported with this spec that might work for you unless you had any particular objections to driving a Vauxhall over an Opel. 

You could have a diesel version for in and around the same money so perhaps you could even get into a slightly newer model if you were prepared to invest a few more quid, but since money saving seems to be the aim here then maybe just swap into a diesel. 

Aside from that you could perhaps look at getting a Volkswagen Golf BlueMotion, which is incredibly fuel efficient. This would make a great buy for you really and something like this would be very cheap to run. 

I hope this helps,

Expert answer

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Hi David,

According to the NCT website:

"All cars should be tested on or before the anniversary date of first registration of the car in the country of origin. There is no link with motor tax or insurance expiry date.

PLEASE NOTE: NCTS can issue your certificate up to six months early for a first time NCT and three months early for subsequent NCT tests. For example, a car was first registered on the 5th June 2006. The car was due for its NCT on the 5th June 2010, the car is brought for its NCT on the 26th January 2010 and it passes. An NCT Certificate is received with an expiry date of 4th June 2012"

If your car is eligible for the NCT (please refer to the testing chart) then please phone us on 1890 412 413 or you can check our on-line service by simply typing in your car registration number and date of first registration of the vehicle (which can be found on your vehicle registration book, registration certificate or licensing certificate."

So, it would appear that you need to contact the NCT to check if your car is eligible for a test. 

I hope this helps. 

For more visit the National Car Test Website.

Expert answer

Hi Eric,

I know that Nissan are experiencing enormous delays with the Qashqai and that it can mean waiting a few weeks more for your car. The fact that you are being offered a loan car is quite good service on the part of the dealer. Usually, the car would be put on to your insurance unless of course they have another arrangement. I think they are being very fair with this, some dealers would just tell you its delayed and leave you to your own devices.

Expert answer

Hi Brian,

From your description it sounds as if the heating element bonded to the rear window has been damaged in some way. Unfortunately there is usally no easy fix to this and it means replacing the whole glass panel, as it's not a part that can be removed.

Note that, if the window itself is cracked or broken it may be that your insurance will cover its replacement for a modest excess.

Hope that helps,

Expert answer

Hi Jane,

First things first. The petrol versus diesel debate. Everyone is very caught up on diesel cars right now and that makes a lot of sense when you are buying new because they have lower road tax, but since small cars tend not to use a lot of fuel, the road tax should be quite low anyway. The mileage you are likely to do might warrant a diesel, but the diesel small cars tend to be a lot more expensive, so in this case I would say that a petrol model would do you fine and still won't cost the earth to run.

The VW Polo is an excellent choice because it is really nicely built and holds its value well too. I did a search for ones with the lowest mileage within your budget from main SIMI dealers (so there is more security and better history checks on the car). A 2007 Volkswagen Polo with just 15,000km on the clock is within your budget and would be a really nice buy. It would be dead cheap to run too. 

This 2008 Ford Fiesta is really nice too; with 11,000km on the clock so it is practically brand new. This is a five-door model so it might be a little more practical. It is at the upper end of your budget but you wouldn't pay the advertised price. 

One I would love you to consider though is the Suzuki Swift. It is a smashing little car. It is really reliable, cute, nicely built and fun to drive. It's a 2008 model with low mileage for less than €9,000. 

I've always had a bit of a soft spot for the Renault Clio (it was my wife's first car and it was great) and you could find another one with ridiculously low mileage for less than €9,000 too. Here is one I liked the look of.

You wouldn't really go wrong with any of these. Personally, I'd be really tempted by that low-mileage Polo as a long term investment because you will always get a good bit of your money back. 

I hope all that helps

Expert answer

Hi Sarah,

First of all you need to be aware that the cash-for-car places are usually going to give you a deal that is at the lower end of the scale so it can sting a little. I think your best bet is likely to try and trade-in your Colt for something bigger. I can imagine that the three-door Colt is a bit of a nightmare with one child, and two will be even worse. 

Depending on the condition of your car - we are guessing it might look like this, then you may get offered around €4,500 as a trade-in against another car. Obviously you need something a little more spacious. I think the right car for you would be a Ford C-Max because it is spacious, safe and comfortable. We found one from a SIMI dealer in Westmeath that has 67,000 miles on the clock, is petrol-powered, but won't be too expensive to run if you aren't doing a lot of mileage. This car would be ideal for your needs and €4,900 is the the asking price. You can find the advert here.

I think this would be in ideal car because the Spacestar is getting on and isn't all that good and the early Mercedes -Benz A-Class has been notoriously troublesome.

Hope that helps.

Expert answer

I did like the original BMW X5, although it was probably always a little over-priced for what is was. As they have aged and the new model has arrived the first generation has come down quite a lot in price. You say that you aren't concerned about the running costs as such, which is just as well, as they can be quite high. The repairs and spare parts can be expensive too. I think in buying one of this age and at this price you will certainly not see it depreciate that hard in the next year or so, but once it creeps over 100,000 miles it will drop in value again.

We haven't reviewed this car on the site because it has been quite a few years since it was on the market (and CompleteCar.ie is very new), but we have driven it in the past. It is very agile for an SUV and was always one of the best handling SUVs around.

You did mention to us by e-mail that the car you were looking at is €23,000 with 88,000 miles on the clock. Well we found this one on beepbeep.ie from a SIMI dealer with just 45,000 miles for €19,750, so perhaps this would make a better buy?

Hope that helps