Expert answer

Hi Liam

A car like yours will retail at a main VW dealer for around €13,500 - €14,000. So, you could probably expect to be offered about €11,000-€12,000 when you trade it in against a Mercedes-Benz, perhaps more if you were trading it in at a VW showroom. Dealerships often have to invest in bodywork and servicing of a trade-in so they don't tend to offer the same as it will retail for and of course they have to try and make some profit too.

Don't get too caught up on how much you are being offered for your car, but rather look at the cost to change. Remember, if you were buying the Mercedes as a straight deal you would probably get a decent discount. This discount may be used against your trade-in to make it seem more appealing.

Pricing a car isn't an exact science, but we would say shop around and don't be afraid to haggle hard!

Expert answer

There has been a huge move towards diesel cars here in Ireland because of the change to the road tax and VRT laws in July 2008.

Since then, as you may or may not know, road tax and VRT are calculated according to a car's CO₂ emissions and because diesel cars use less fuel than petrol ones, their emissions tend to be lower.

When your father bought the Mazda6 in 2008 it may well have been better value than the diesel model. Now, there is much less difference between the price.

Before we move away from Mazda, there is now a very good range of diesel engines in the new Mazda6 and that might make the most cost-effective swap if he was happy with the car he has because you will most likely get the best trade-in price from a Mazda dealer. However, by the sounds of things he wants a change.

Covering only 10,000km a year we previously might have said that there was no real need to buy a diesel because you would not save the extra price of the car in fuel.

This point remains true, but the difference now is that the market has changed so much to diesel that petrol cars are likely to lose their value faster and become increasingly unwanted by used car buyers, so at this size of car, we would say yes, move to diesel. Also, if you do buy new, your father will most likely benefit from lower road tax.

Without knowing a budget it is difficult to point you in the right direction but from the cars you mention I'm guessing the budget is between €25,000 - €35,000. This does offer a lot of choice.

The 2004/2005 BMW 320d is certainly an option. Since the current shape model came out in 2005, we would encourage you to look at these, or even a 2006. The prices of these are quite competitive at the moment. A 2005 320d SE at a SIMI dealer would probably cost you between €15,000 - €17,000.

BMWs are always tempting to buy used, but you must choose one that has been properly serviced and cared for, because they can become more expensive to put right as they get older. The choice of used 320d models at the moment is vast so if you do go down that route, shop around. It is a great car and with the small mileage your Dad does it is unlikely to end up costing you too much.

If you want to go down the new route, there are a few that would spring to mind. The first is the Skoda Superb. This car is really brilliant and huge too. It is well made and loaded with equipment. If your Dad likes comfort then this will be right up his street.

Our choice would be the 2.0-litre TDI Comfort for €27,805. It is excellent value for money and comes with lots of creature comforts (cruise control, climate control, etc.), a 170hp diesel that is powerful, yet still frugal at 5.8 l/100km. Road tax on this car is €302 per year. For me, if I were heading out to buy a family saloon today, I wouldn't pass the Superb.

You mentioned some other cars there. The Jetta isn't a bad car, but it's been out a few years now and is probably due an update, so I wouldn't buy that new. The Audi A4 is nice. A new one is going to cost you from €34,060 before you start looking at optional extras, so a 2009 model would make sense with all the options already added. €35,000 should get you a nice 2009 TDI version with lots of the toys thrown in.

Please feel free to come back to us with more details if you like (just add a comment below), but for me I would probably have the Superb.

Expert answer

It is very true that obtaining finance is a major problem at the moment. A survey by the Peugeot dealer network in late 2009 showed that 71 percent of car finance proposals were being rejected compared to 30 percent in September 2008. In the last 12 months GE Money, Friends First and Lombard Ireland all left the market, which is now dominated by the likes of Permanent TSB, Bank of Scotland Ireland and the two main banks, AIB and Bank of Ireland. Evidence also suggests that the credit union has become a prominent lender for private individuals in the car market. It isn't a free for-all from the credit unions, but if you do have a decent savings record with a credit union they are a very good option.

In most dealerships, if you go through the likes of Permanent TSB, then you will usually need a pretty hefty deposit. Volkswagen Group now have their own bank and are said to be getting very high pass rates. As with most cases, it does depend on the state of your own finances and your ability to pay back the loan.

What seems to be clear is that motor finance is available, but like so many of the radio advertisements will say, ‘terms and conditions apply’. Large deposits and tough credit checks have replaced the sort of one-click, one-signature availability of the recent past

Expert answer

Firstly, trading in your car won't be a problem at all if you are bringing the car in against a new model, but you might not get as much for your car as you would have first expected. Selling it privately can be a little trickier these days too as buyers are harder to find because of the lack of available finance, quite simply.

Now, in terms of the car, the SEAT that you are talking about is probably the Exeo, which hasn't been on the market too long. It is a nice car, basically a rebadged previous-generation Audi A4. You have a choice of 1.6- and 2.0-litre petrol or a 2.0-litre diesel. Prices start at €26,690. Go to www.seat.ie for the latest line-up and pricing.

Expert answer

Firstly, there are probably more diesel automatic cars in Ireland than you might think, but they tend to be executive models rather than mainstream family cars because it seems that there still isn't a huge demand for them.

Toyota does in fact sell an automatic version of its Avensis. It is a 2.2-litre 150bhp diesel and that costs €35,530. Since you mentioned the Toyota Avensis we must assume that you are after a family saloon or hatchback so for a start you could have a Ford Mondeo 2.0-litre TDCi Style Auto for €32,225 - that comes as a saloon, hatchback or estate.

For you a few quid more you can have the run out version of the Jaguar X-Type 2.2 Diesel Auto for €32,995 or you could have the Mercedes-Benz B180 CDi Auto from €33,640.

There are loads of versions of the excellent Opel Insignia available with a choice of 130- or 160bhp diesel engines in saloon, hatchback or estate body styles. There are 24 different Insignia diesels available in total. Prices start at €30,380. You can have a Renault Laguna 2.0-litre dCi 150 TomTom Edition for €36,890.

A Volkswagen Passat 2.0 TDI with the excellent DSG gearbox will cost you from €35,960 and Skoda will sell you something with DSG for even less. How about an Octavia RS 2.0-litre diesel with 170bhp and DSG for €31,195? For us, that last car is the top choice. However you could stick with Skoda and go much bigger and that would be the Superb. You can have that with DSG and 170bhp for €31,195.

There is a fuel economy penalty in some cases and that is because the traditional automatic transmission has a torque converter. Automatic cars are generally a little heavier too, to the detriment of economy. Saying that, the latest generation of dual-clutch automatics and some of the newest conventional autos have massively improved.

Fuel economy and CO₂ emissions are directly linked, so often the manual version of a car can be in a lower tax band than their automatic siblings, but this is starting to change as mentioned above.

Expert answer

The crew cab did enjoy a golden period in the early part of the last decade when there was a considerable tax break, with minimum VRT being charged on them. As a result, sales boomed for a period until this loophole was closed. Sales of the crew cab models aren't as strong as they used to be, especially since the building trade has been so badly affected by the economic downturn.

However, for someone like you they might still make an awful lot of sense because they offer the best of both worlds. They are useful as work vehicles with generous load bays and strong diesel engines that are capable both of high mileage and also towing duties. As everyday passenger vehicles they aren't as comfortable as a regular car and in some cases they aren't even as comfortable as a normal SUV, as most have a pretty basic chassis.

The main choices are between the Mitsubishi L200, the Toyota Hilux and the Nissan Navara. The L200 Double Cab €26,995 new - that includes a significant price reduction recently. It has a 2.5-litre diesel engine that puts out 136bhp. CO₂ emissions of 228g/km mean that it will cost you €2,050 per annum to tax, which is pretty high.

The Navara has a 2.5-litre diesel engine with 171bhp and that is quite a bit more power than the Mitsubishi and it too has emissions of Band G, at 264g/km. Prices start at €34,135 for the Navara Double Cab.

The Hilux comes with a choice of 2.5- or 3.0-litre diesel engines, with 120- and 170bhp respectively. The Hilux has emissions that are in Band E, so you at least save yourself €1,000 in road tax. Prices start at €29,575 for the 2.5-litre Double Cab model.

Having said all that, the best options are likely to be used where there are huge savings.

A 2007 Navara will cost you €16,500 from an approved SIMI dealer: http://bit.ly/d0uIC8 for example

Or a 2007 Toyota Hilux will cost you €19,000: http://bit.ly/bLloV5

Or a 2006 Mitsubishi L200 will cost you €14,950: http://bit.ly/97foEZ