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Hi John,

I think a word with your accountant would be the best option as there are hoops to be jumped through for registering and taxing a car as a commercial, especially a five-seater. The bigger issue by far could be getting you insured, as most insurers will see the words ‘Range Rover Sport’ and '21-years old’ and run a mile.

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Hi James,

You can, and it’ll be taxed according to the old engine capacity system, to it’ll be €514 per year.

Read our feature on this subject: Buying a commercial vehicle for private use

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Hi Joe,

No, it doesn't. It is taxed according to its CO₂ emissions, which, at zero g/km, means it's in Band A0, currently costing €170 per annum.

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Hi Evan,

That does seem like an anomaly. According to our data, a 1.6 petrol Jetta with a manual gearbox from 2009 should have emissions of 165g/km, so should be taxed in Band D, on €570 a year, not €750 a year. I’d raise a query with your local motor tax office. 

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Hi Alvin,

You absolutely can buy a Hilux and use it as a personal car, as well as for work, but if you’re not VAT-registered you won’t be able to claim back the VAT on the purchase, which will make it more expensive. On top of that, you will also have to register it as a private car, which means taxing it on the old engine capacity system. With a 2.8-litre engine, that means annual motor tax of €1,391 per year I’m afraid.

Read our feature on this subject for more: Buying a commercial vehicle for private use

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Hi Catherine,

It’ll depend on the engine size. I’m guessing it uses the Fiat 1.9-litre M-Jet engine? If so, it’ll cost €673 a year to tax privately. 

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Hi Sally,

That’ll vary from lease to lease. Generally speaking, if it’s being leased by a company and they’re giving you use of the car as a company vehicle, they’ll pay the running costs, usually minus fuel. If it’s a case of you being given a car-buying budget as part of a job package, generally you’ll pay for all that stuff, and if you’re buying a car for yourself on a PCP finance deal (which is effectively a personal lease) you cover them too.

There are always differences and details, though, and car makers (Volvo especially) are starting to move towards a mobile-phone style system whereby you pay one monthly fee that covers everything, and change and upgrade your car at regular intervals.

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Hi Trevor,

No, not really. If you’re insuring your car (or van) one way and driving it another, then technically you’re not being honest with your insurers and if you do need to make a claim, and they investigate the circumstances, you could be caught rotten and find yourself unable to get a payout. Just be honest, it’s always the best policy.

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Hi Paul,

I think in this case, tax is the more serious issue than insurance. From what you’ve explained, you’re planning to tax your SUV as a commercial vehicle, but still use it for private and domestic tasks, and that I’m afraid is a big no-no. It’s specifically prohibited to use a vehicle taxed as a commercial for private, domestic, or pleasure purposes, and that leaves you open to a pretty hefty fine. As for insurance, you can always shop around to find a policy that suits you better, but as always it’s best to be up front and honest with them to avoid any issues down the line if you need to make a claim. Different insurers will have different policies for commercial and private vehicle insurance, and you might be better off finding a good broker who specialises in such mixed-use policies. 

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Hi Rob,

Yes, if you have registered the car to your London address, and can show proof of continuous tax and insurance for six months prior to your move, then you’ll be able to avoid VRT when you import it here. On the Discovery Commercial, you’ll be looking at rather more than €200 VRT to import it, I’m afraid. N1 and Cat B commercial vehicles don’t pay a flat rate any more, they pay 13.3 per cent of the Open Market Selling Price, or the Irish market price as defined by Revenue. The same will go for a crew-cab, and 13.3 per cent is the lowest possible rate of VRT.