Expert answer

Hi Alan

The scrappage scheme has been good news and as you might have seen today SIMI is calling for an extension of this. Unless this happens, there would be no point in you getting a new car at the end of the year under scrappage because the €1,500 that you would get off this in the case of something like an Insignia would not be as much as you could lose eventually by buying a car later in the year. 

Sure enough, you could buy the Laguna and get €3,000 off. It isn't an awful car, but there really isn't anything remarkable about it and I personally wouldn't spend over €20,000 on one. I actually think the Renault Fluence is a better buy than the Laguna and it costs much less. It is a fine big car and really well equipped. 

However, with your budget we could do a whole lot better. Supposing that you get at least €1,000 for your Corsa, then you still have a generous budget. There is always the temptation to look at the German cars and as long as you realise that these can get pricey to service and run as they get older, they can be a great buy. 

You have a staggering amount of choice. For sheer ease of ownership I have noticed that Lexus IS models are really good value now. You can get a 2008 IS 220d for under €25k and that would be a pretty nice car to own. Here is an example. 

If you were buying new or almost new, this 2010 Subaru Legacy diesel is also within your budget. 

However, you could go a little larger and get yourself a 2007 BMW 520d. This example is from a main dealer and has tiny mileage and would be a really nice car to own. It has done just 20,000km and is an automatic too with a nice spec for just €28,000. I would find it very hard to pass up on this car to be honest. You could opt for one with a manual gearbox and get lower road tax, but to be honest, this is where my money would go.

I hope this helps

Expert answer

Hi Stephen,

As you may already know, the Auris MMT isn't a standard automatic but is a manual with an electronic clutch. This has an economy advantage over a standard automatic car thanks to the lack of an inefficient torque converter. However, this gearbox has been criticised for its jerkiness.

Driving it in traffic, if can often select first gear where you would normally move off in second with a standard manual transmission. An automated manual like the MMT will not be as smooth as a standard auto or CVT as the car still has a clutch and a manual gearbox.

You can reduce the jerkiness between gears by easing off the throttle as you would in a regular manual car.

Expert answer

Hi Fergal,

I have just spent a week in a TDCi Mondeo. It was an automatic and I really liked it. The gearbox is a little lazy at times, but overall the car is a joy to drive. There is a new Mondeo coming later this year though so you might want to hang on for that as it features new engines as well.

Expert answer

Hi Fergal,

You're in an enviable position if that's your choice for a new 2011 car! You can't go wrong with either. Before I give my personal preference let's look at the facts:

The new BMW 520d SE will be priced from €41,750. That's for the manual model, which is lovely, but for resale values it makes sense to opt for the automatic, bringing the price up to €43,964.

In comparison, the entry-level diesel E-Class (the E 200 CDI BlueEfficiency) costs from €41,035 - or €43,885 with an automatic gearbox.

However, on paper the BMW beats that car hands down. It has 181hp to the Merc's 136hp (and hence takes only 8.1 seconds to get to 100km/h versus 10.4 for the E 200 CDI) and yet it is much more efficient. In automatic guise it emits 137g/km, which means band B annual road tax. A manual version of the E-Class will do the same, but the automatic transmission moves the car into band C, almost doubling the tax. The BMW's fuel economy is better too.

The more expensive E 220 CDI BlueEfficiency costs €43,425 with a manual or €46,275 with an automatic. It's not much less efficient than the E 200 model, but it's significantly faster. However, the 520d still betters it in both respects.

Having driven both cars my personal preference would be the BMW. The new 5 Series has taken a major step forward in terms of luxury over the old car yet it's still good to drive.

Let us know what you decide by leaving a comment in the box below.

Expert answer

Hi Henry,

It's not often we get asked about the second-generation Fiat Croma. It didn't sell all that well as buyers didn't really know whether it was an MPV or an estate. However, it sounds like it could be an ideal candidate for your partner's needs.

The Croma majors on space, practicality, comfort, safety and equipment. The version you found has very few kilometres on the clock, which is always a bonus. Make sure you check that every switch and control is working though, as Croma owners have reported niggling electrical faults.

Our other piece of advice, if you like the Croma, is to look for a diesel version. The MultiJet diesel engines are strong and economical so would be better than the 1.8-litre petrol version over long distances. That said, the petrol engine is quieter.

Hope that helps.

Expert answer

Hi Eamon,

That's quite a wide selection! Let's go through each model first of all:

Toyota RAV4:

Going by your shortlist you obviously need four-wheel drive and an automatic transmission. There's only a single Toyota RAV4 on sale fitting that, the RAV4 Sol in 4wd powered by the 'D-Cat 150 (2.2)' engine. That's a 2.2-litre turbodiesel. Choice stats:

• Price: €39,465
• CO₂ emissions: 189g/km
• Tax band: E
• Annual road tax: €630
• Combined cycle fuel consumption: 7.2 litres per 100 kilometres
• Maximum power: 150hp
• Maximum torque: 340Nm
• Towing ability: Up to 1,800kg

BMW X1:

The cheaper xDrive18d model doesn't seem to have an automatic option so you'd have to go for the xDrive20d SE at least. The stats:

• Price: €43,091
• CO₂ emissions: 155g/km
• Tax band: C
• Annual road tax: €302
• Combined cycle fuel consumption: 5.9 litres per 100 kilometres
• Maximum power: 180hp
• Maximum torque: 350Nm
• Towing ability: Up to 1,800kg

Hyundai ix35:

This is one of the newest SUVs on the market, but it's more of a crossover than an SUV really. That's emphasised by Hyundai only listing the two-wheel drive model with a manual gearbox on its website. It does say that "Automatic subject to availability. Please contact your local Hyundai Dealer", but we're not sure there is an automatic option available for this car as yet. We've asked Hyundai for clarification.

Kia Sportage:

There's an all-new Sportage launching later this year, so we assume you're thinking about that. Full details have yet to be released, though Kia tells us that, along with a new 1.7-litre turbodiesel engine a 2.0-litre turbodiesel 4x4 model will be offered on special order with an automatic gearbox. Tax will be band D, costing €447 per year. I'm afraid that's all we know at this stage. We're driving it next month for the first time.

Nissan Qashqai:

Nissan gave the Qashqai a facelift this year and it looks better than ever. For some reason the new look has not been applied to the seven-seat '+2' version on Nissan Ireland's website. However, the figures below refer to the regular five-seat version. The cheapest available with a diesel engine, four-wheel drive and an automatic gearbox is the Qashqai 2.0d A/T 4x4 SV. The stats:

• Price: €37,995
• CO₂ emissions: 191g/km
• Tax band: F
• Annual road tax: €1,050
• Combined cycle fuel consumption: 7.2 litres per 100 kilometres
• Maximum power: 150hp
• Maximum torque: 320Nm
• Towing ability: Up to 1,400kg

Summary:

So, let's leave the Kia and Hyundai out of the equation for the moment, as we don't have enough information to make an informed decision.

The Toyota and Nissan compare well to each other. Like the Qashqai, the RAV4 was given a makeover for 2010 so it's fresher than ever. In diesel, automatic, four-wheel drive guise, the Toyota appears to win that battle, as the Qashqai is very expensive to tax. The Toyota is the better tow car too.

It looks like the Toyota probably wins outright on paper. The BMW X1 xDrive 20d is more powerful, significantly better on fuel and a newer design than the RAV4, but it's also a lot more to buy to begin with. Even paying less tax and fuel costs, it'd take a long time to claw that price difference back. Pity the xDrive18d doesn't come with an automatic transmission, as that could be a better choice, but in this list, the Toyota wins the logical argument.

Make sure you test drive examples of both before you decide and please do let us know in the comment box below what you end up doing.

Expert answer

Hi Pat,

First up, we thoroughly recommend the Peugeot 3008 itself. It's an excellent family car with a high quality, well thought out interior and it drives pretty well.

However, we're not sure that the Ecomatique version makes any sense in Ireland, unless you absolutely have to drive an automatic car. It's not a conventional smooth automatic gearbox; instead it features a robotised manual, which means that the clutch and gear change are operated automatically. Sounds great in theory, but in practice the gear changes feel slower and progress is jerkier than in a manual car. That's partly perception and you can learn to smooth out the changes yourself, but overall we reckon it detracts from the driving experience.

On the positive side, the Ecomatique 3008 is a little more economical than the regular 1.6 HDi 110hp version. However, it's only a difference of 0.2 litres per 100km on the official combined cycle. Given that the Ecomatique is more expensive to buy in the first place, you'd have to cover a lot of distance to start making savings and even then we'd argue that in real world conditions the manual version will be just as econonomical.

In some countries, the Ecomatique's lower CO₂ emissions would reduce your tax bill, but it's still in band B in Ireland, just like the regular version.

Hope that helps with your decision. If you'd like to know more, feel free to add a comment in the box below.

Expert answer

On the manual version of the 520d you will pay €156 annual road tax. If you get an automatic version from 2009, annual road tax will be €302. This is considerably less than you would have paid under the old system, which based on the engine size of the car (1,995cc) would have meant that road tax would have been €614 per year.

Expert answer

Hi there,

There are very few small diesel cars available under the scrappage scheme that match your budget, but there are quite a few small petrol models that run the diesels close in terms of fuel economy. 

You could have the Fiat 500 for €9,995 under the scheme, which although it is petrol, is Band A, with just €102 per year road tax. 

You could have a Fiat Grande Punto, a much larger car, for €9,995 or, if you really wanted a diesel one you could have that for €12,495.

The Ford Ka, a similar car to the 500, would cost just €7,995 under the scheme, with the even better Fiesta costing €11,700, but again these are petrol models. 

Similarly, the Renault Clio is a smashing little car and a petrol one will cost you just €8,990 under the scheme, but a diesel one will cost you €12,200. 

The Hyundai i10, a five-door model, is also worth a look. The 1.2-litre, 78bhp petrol i10 is a good little car and comes with a choice of manual or automatic transmissions. Hyundai will add a further €2,000 to the Government's €1,500 discount, so the i10 effectively starts at €8,495. 

Our advice is that you forget about a diesel under scrappage unless you are prepared to up your budget. 

Out of that lot, I'd take a strong look at the Fiesta, or if you must stick to €10,000, perhaps the Ford Ka or the Fiat 500.

Expert answer

Hi William,

When it comes to a mid-sized luxury car it must have leather upholstery and an automatic transmission. Air conditioning would also be a must, but most cars in this class have it as standard nowadays. 

The thing with the 520d is that more recently there have been a lot bought with manual transmission because it brought down the price of the road tax, so it might not be that easy to find automatic versions.

Having said that, I would still look for these two items because the buyer in this segment tends to favour these essential items so it should be easier to sell or trade at a later stage.

After that I wouldn't be overly worried about what it has, although unusual colours can be a problem later on. Stick with black, silver or grey and you should be ok.

Hope this helps.