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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. 

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Hi Alan,

Because, for some bizarre reason, when you tax a commercial vehicle as a private one (which your nephew will have to do if he wants to use his van for both work and private use) you go back to the old engine capacity taxation system. With an 1,800cc engine, that means you’ll pay €636 in motor tax every year.

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Hi Joe,

I think a good bet here, if you want to buy new, is the new Mazda3 2.0 M-Hybrid. It’s only a mild-hybrid, but it’ll be good on fuel, yet it has decently punchy performance and is really enjoyable and engaging to drive. Looks great too, but not as tempting to the criminal fraternity as a Golf R. If you fancy something with a bit more grunt, but still understated styling, how about a Skoda Octavia RS? Quick and agile, and not too shabby when it comes to economy. 

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Hi Richie,

Yes, thanks to an odd quirk in our tax system, if you’re taxing a commercial vehicle for personal use (and a 110 Utility counts as one), then you revert to the old tax system, based on engine capacity, so with a 2.2-litre engine you’re looking at €951 a year. Pretty steep all the same, but a bit better than €2,350…

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Hi Avril,

Being as the Steed is a commercial crew cab pickup truck, it’s on commercial tax so that’s €333 per year. You could tax it as a private vehicle if you need to, but that means reverting to the old engine capacity tax system so that would be €710 a year.

Read our Buying a commercial vehicle for private use feature for more details.

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Hi Dagmar,

Thankfully, you’re absolutely right. As long as you can provide proof of transfer of residence to Revenue (such as a letter confirming your employment, proof of address etc), then you can import the car with no VRT cost whatsoever. 

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Hi Andreas,

Unfortunately there’s not a lot you can do here, mostly because all 911s prior to the introduction of the 3.0-litre turbo flat-six engine were above the 225g/km cutoff for the top VRT band of 36 per cent, which means you’re probably going to be looking at a significant VRT charge no matter which model you bring in.

You’re right to say that there’s a big disparity between 2008 and 2009 prices, but given that there are so few 911s available for second-hand sale in Ireland, it’s a tricky model to accurately value, and a huge amount is going to depend on condition, mileage and specification.