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I can't insure my 1999 Honda Civic. Help!

Hi,

I am a 34-year-old with a 1999 Honda Civic four-door. NCT passed every year and I have been declined insurance this year. I have a full clean driver licenve for over seven years and no penalty points, no convictions. FBD, Aviva, Axa and AA quoted €1,300; Liberty €1,020; and RSA Via Campion €791.88. I cannot get a personal loan or finance as I am either not earning enough or I can not afford the repayments. What's a girl to do?

Martha Clancy (Longford )

Jan 2016 Filed under: insurance

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. 

 


Which new exec diesel auto saloon to go for?

What compact exec would you choose in a diesel auto as a private buyer? BMW 320d M Sport, Audi A4 S tronic, Jaguar XE Portfolio or Mercedes-Benz C-Class? Or would you go with something cheaper like a Volkswagen Passat Highline DSG 190?

Andrew Kelly (Limerick)

Jan 2016 Filed under: choosing new car

Expert answer

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


Help me change from Passat to C-Max.

I have a 2008 Volkswagen Passat diesel with 120,000 miles on the clock. I am looking at a 2012 diesel Ford C-Max with 60,000 miles. How much should I expect to pay and would you recommend the Ford?

Many thanks.

Catherine Davis (Louth)

Dec 2015 Filed under: choosing used car

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.


Which new petrol estate should I go for?

Hi guys,

I currently drive a 2011 Volkswagen Passat saloon 1.4 TSI, but am looking to change to an estate. The obvious choice is the Passat Estate 1.4 TSI, but is there any other petrol estate I should consider? My mileage doesn't justify the change to diesel.

Thanks.

Brendan Cullen (Knocklyon)

Dec 2015 Filed under: choosing new car

Expert answer

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.


How can I buy a Volkswagen Golf R Estate?

I have my heart set on a Volkswagen Golf R 'Sportwagen' (estate), but it seems Volkswagen Ireland will not be selling them here. Do I have any real options to buy one, given that importing from the UK is prohibitively expensive considering the exchange rate?

Thanks.

Graham McGarry (Greystones)

Nov 2015 Filed under: choosing new car

Expert answer

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!


Can you advise me on replacing my Passat?

Hi,

I am selling a 2008 Volkswagen Passat 1.9 TDI with 209,000km on the clock and a full service history. What should I get for it? Also, would you buy a 2012/2013 Passat with the ongoing emissions issue or a Mondeo or any other suggestions?

Martin Stokes (Arklow)

Nov 2015 Filed under: choosing used car

Expert answer

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.


What do you think of the Dacia Sandero?

What do you think of the Dacia Sandero 1.5 diesel?

Martin Murray (Ennis)

Nov 2015 Filed under: choosing new car

Expert answer

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


I am looking at a 2007 Volkswagen Passat...

I am looking at buying a 2007 Volkswagen Passat 2.0 TDI Sport. It has 103,000 miles on the clock and has been well looked after. Are there any known issues with this car? Is it worth the £4,000 price tag?

Mark Smith (Ennis)

Nov 2015 Filed under: choosing used car

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.


How best to import my car from the UK?

Hi, I'm an EU citizen, I lived 10 years in London, UK. I have my own car on GB plates, a 15 year-old Ford Mondeo 2.5 V6 automatic. I have a long MOT on this car. I have owned this car about four months, I have previous insurance, history, etc. What is the best way to register the car in Ireland? Will the MOT be accepted if I have 11 months left?

Thanks,

Laszlo

Laszlo Szabo (Clonbur)

Nov 2015 Filed under: importing

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.


Should I go diesel on a new car in 2016?

Hi guys,

I currently drive a 2011 1.4 TSI petrol Volkswagen Passat, which I am very happy with. I'm thinking of changing my car in 2016 and wondering if I should consider switching to a diesel Passat. I currently drive 32km every day to work, 16km each way, but this is done on the M50 so do you think it would be in my interests to switch?

Brendan Cullen (Knocklyon)

Nov 2015 Filed under: choosing new car

Expert answer

Hi Brendan,

Nope, I'd stick with petrol. With that kind of mileage you're just not going to get the benefit from diesel. Check out the new Passat 1.4 TSI or, alternatively, the Ford Mondeo 1.5 EcoBoost, Skoda Superb 1.4 TSI or Mazda6 2.0 SkyActiv-G petrol.