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.

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Hi Hugh,

Well, a Mondeo or Passat would be a more sensible choice - more around to choose from and slightly cheaper running costs. And that's the Achilles' heel of the X-Type - running costs. While the diesels are reasonably frugal, and in general it's a well-made and reliable car (after some serious horrors on early-build examples back in 2001 and 2002), the X-Type can be expensive to fix if and when it does go wrong, and don't go assuming that because it's based on a MkIII Mondeo that you can use more affordable Mondeo bits; there's still a lot of bespoke Jag in there.

Still, it's a lovely car to drive, and the 2008 facelift (new grille, slightly squarer looks) made it much more stylish. Shop around carefully, don't buy anything that doesn't have a full service history and check for any noises coming from either the transmission or the suspension.

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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. 

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Hi Andrew,

Well, of the posh-badge brigade, my personal favourite is the Mercedes-Benz C-Class - it's supremely comfy, beautifully made and really satisfying to drive, but, to be honest, you couldn't go wrong with any of those cars, it really is down to personal taste.

Your other question is an interesting one though. If you can live without the posh badge, and aren't quite so worried about driving dynamics, then a Skoda Superb is pretty much unbeatable. Same mechanical make up as the Audi but far bigger and way better value. Try a Ford Mondeo or Mazda6 if you want something with a keen chassis or a Toyota Avensis if you never, ever want it to break.

Some relevant reviews for you:

Updated BMW 320d review

New Audi A4 2.0 TDI review

Jaguar XE review

Mercedes-Benz C-Class review

Volkswagen Passat Highline review

Skoda Superb review

Ford Mondeo review

Toyota Avensis review

Expert answer

Hi Catherine,

The Ford's not bad actually, but make sure that it has been fully serviced and that the 1.6 diesel has had a steady diet of high-grade oil.

Your Passat should be worth about €7,000 to €7,500 as a trade-in.

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Hi Brendan,

Worth checking out the Mazda6 2.0 SkyActiv-G estate, and the Ford Mondeo 1.5 EcoBoost isn't bad. Also have a look at the Skoda Superb 1.4 TSI although that's only available in Ambition spec.

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Hi Graham,

I'm afraid not - it's simply not a model appearing on the official Volkswagen Ireland price list. You could try sweet-talking a Volkswagen dealer but they'll essentially just have to privately import it themselves so they'll just pass on the same costs to you.

We double checked the situation with Volkswagen Ireland and it confirmed the same.

Such a shame!

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Hi Martin,

I'd say you should advertise it for around €6,000 all things being equal. As for the diesel controversy, it's a bit hard to say - there's nothing at all wrong and an awful lot right with the 2012 Passat - it's a cracking car, it's just that you need to bear in mind that the overall engine performance may well be altered when Volkswagen begins its recall in January. If that's putting you off, then a Mondeo is definitely well worth looking at, but also take a gander at a Mazda6, Opel Insignia or Hyundai i40.

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Hi Martin,

The Sandero is one of those ‘Ronseal’ cars – it does what it says on the tin, and the tin is pretty cheap. It’s a very simple, small hatchback that’s long on value but short on refinement or excitement. The front is perfectly comfy for a long journey but the back seats are rather cramped if you’re trying to squeeze taller passengers or kids in big car seats in. It’s a solid, practical and pretty reliable thing though. Nothing wrong with it, and at that price point, that’s the point. The diesel though? It’s a very good engine, that 1.5, but in a car like the Sandero you’re probably better off going for either the basic 1.2 or the really impressive 900cc turbo petrols as you’ll be a long time getting the extra purchase price of the diesel back in fuel savings.

Read our Dacia Sandero review here

Expert answer

Hi Mark,

Well worth it, but check to make sure the engine is in good health. The injectors can develop problems if the car hasn't been looked after properly, so check to see that it has a full service history and be wary if the engine's power delivery seems flat or inconsistent.