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Which of these €4,000 cars are most reliable?

Hi,

I'm looking to buy a car around €4,000. Had a look at the Audi A4, Skoda Octavia, Volkswagen Passat and Toyota Avensis. Which one from your point of view would be most reliable given all of them would be 10 years old and more.

Thank you

Martin Faturik (Dublin)

Feb 2016 Filed under: reliability

Expert answer

Hi Martin,

Go for the Octavia or Avensis according to taste - both have superior reliability (crucial when you're buying an older car) and the Avensis will, just slightly, have the edge in that respect.


I'm trying to import a BMW X5 for business.

I would like to import a BMW X5 from the UK, which is VAT qualifying and use it here for my business. My business is VAT registered and I wish to pay the VRT on business class (five-seater converted), but the VRT office will not give me an answer if it can be done even though garages are selling them here as five-seater business class. They also told me that I would have to pay the VAT here and then reclaim the VAT. This is not the case with any other import and I am sure that it goes against the free trade rule. What do you think can be done?

Peter O Reilly (Dublin)

Feb 2016 Filed under: importing

Expert answer

Hi Peter,

As an import, each car is individually inspected and rated for VRT,  which is probably why Revenue is being evasive - they really don't like to pass judgement on something they've not seen, even if it is nominally the same as an Irish market car. Ultimately you shouldn't have any problems - if the X5 can be categorised as an N1 vehicle, it should be fine, but check to make sure as to whether that's with five or seven seats. Seven seats are optional on the X5 and could cut the boot space to under the N1 limit.

On the VAT thing, it just depends on the age of the car. If it's less than six months old, and/or has fewer than 6,000km on the clock, it's liable for Irish VAT on arrival - no ifs, ands or buts. 

Goes against the free trade rule? You just described the entire VRT system in a sentence...


Is the Land Cruiser getting a Fiat engine?

Hi,

I've been told that the new Toyota Land Cruiser will have a 2.8-litre Fiat engine. Is there any truth in this? I know it's changing from its 3.0-litre engine to the 2.8, but I'm just wondering who makes the new engine?

Thanks

Dave O Sullivan (Wexford)

Jan 2016 Filed under: future engines

Expert answer

Hi Dave,

The Land Cruiser is indeed getting a new 2.8-litre diesel engine, which is claimed to be nine per cent more efficient than the old 3.0. It has CO2 emissions of 194g/km, 177hp and 420Nm of torque. Shared with Fiat though? No - Fiat does have its own 2.8-litre diesel, but it's a commercial vehicle engine, usually used in the Ducato van. For its passenger cars (Jeep Grand Cherokee, Maserati Quattroporte, etc.) the Fiat group uses a VM Motori built 3.0 V6 diesel.


I can't get insurance on my old Honda!

Hi,

Is it legal to increase the price of an insurance premium times five? I was paying €400 last year (seven years NCB plus for 55 per cent discount) for a 1999 Honda Accord. I've got letter from my current insurer (AIG), with a new quote for €1,998. When I rang them, they told me the reason was that my car is too old! Car passing NCT every year, no problems whatsoever, no convictions either. Another two broker companies and three individual insurers have declined me for the same reason.

Any ideas?

Joe Black (Dublin 18)

Jan 2016 Filed under: insurance

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.


Is it worth looking at the Jaguar X-Type?

I'm looking at an X-Type Jaguar, around 2008 or 2009. Are they worth looking at? Or should I look at a Mondeo or Passat?

Hugh Fleming (Wicklow)

Jan 2016 Filed under: choosing used car

Expert answer

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.


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!