Do I tell people about my in-car camera?
Do you have to advertise an in-car camera recording inside the vehicle?
Francis Keogh (Bray)Jan 2016 Filed under: miscellaneous
Expert answer
Hi Francis,
If it's a private vehicle then, technically, no - it's your car and you can do what you want with it, but it might be at least morally correct to let anyone who's being recorded know what's going on. And if you intend using the videos for any kind of commercial project then, yes, you must get written clearance from people before you're allowed to use their image in the public domain for profit.
How much to tax a 1.4-litre Volkswagen Polo?
How much to tax a 2002 Volkswagen Polo 1.4 TDI diesel?
Thanks
Naomi Quinn (New Ross)Jan 2016 Filed under: taxation
Expert answer
Hi Naomi,
Pre-2008 cars are taxed according to their engine size, so that Polo, which is actually 1,422cc, falls into the 1,401 to 1,500cc band, at €413 a year, or €229 for six months and €116 for three months.
What to buy with up to €5,000?
I am looking for a medium size second hand car. My budget is €3,000 - €5,000. Which make/model is the most economical for road tax and fuel?
Sinéad O Sullivan (Tralee)Jan 2016 Filed under: choosing used car
Expert answer
Hi Sinead,
How about a Honda Civic? Your budget should get you into a 2007 model with the 1.4-litre V-TEC petrol engine. Frugal, reliable and spacious.
I'd like a newer seven-seat people carrier.
Hi,
I have a 2002 3.3-litre petrol Chrysler Grand Voyager with 100k miles on the clock in great condition and never giving any trouble. But it costs €1,800 a year to tax and is not fuel efficient, though small mileage is done annually about town (Dublin). Am considering a newer seven-seater say 2008 with lower tax and better fuel consumption, but that brings possible depreciation costs. Maybe a smaller seven-seater.
Would welcome advice
Denis Gallagher (Dublin)Jan 2016 Filed under: choosing used car
Expert answer
Hi Denis,
Best to stick with a Toyota Verso (neé Corolla Verso) or a Volkswagen Touran so - both have space for seven, and big boots if you leave the rear seats folded down. Both should be endlessly reliable too. Honda's FR-V also worth a look if six seats (in two rows of three) would work for you.
What's the Skoda Roomster like?
Could you tell me if the Skoda Roomster is a good car to buy? I would like to buy a car that's off the ground, cheap to tax and insurance.
Thanks
Rose Watson (Cappoquin)Jan 2016 Filed under: choosing new car
Expert answer
Hi Rose,
Yes, it's a good car. A little quirky to look at and a little bit noisy to drive, but really roomy (hence the name) and very well made and reliable.
But it's not high up off the ground. The front seats are mounted higher than those of a Fabia - 30mm higher in fact, but if it's height you want, for ride height for rough roads, you need to look at the Skoda Yeti.
Can a sole trader claim back lease payments?
Hi
I need to buy a new or second hand car. I'm thinking of going the leasing route because I have been told that I can put it through our business, which is a sole trader business, as an expense and we can claim it all back against our income. Also, I'm told that, as we are sole traders, we are exempt from benefit in kind. It sounds to good to be true!
Look forward to your advice
Shane Cox (Moycullen Galway)Dec 2015 Filed under: finance
Expert answer
Hi Shane,
We enlisted the expert assistance of Conlan Crotty Murray & Co (Leopardstown, Dublin 18, 01 295 9090, www.conlancrottymurray.com) to answer this one for you. Here's the response:
"Generally speaking, leasing companies will only lease new cars. On the basis that the individual decides to lease a new car then the rental payments under the lease agreement should be treated as an expense in the accounts of the self-employed individual. As the lease period is usually three or four years this provides for a significantly accelerated write-off of cost for tax purposes as compared with the purchase of an owned vehicle where the tax write-off under the capital allowance regime is spread over eight years. However, at the end of the lease period if the vehicle is traded in against a new vehicle the trade in allowance on the first leased car may trigger a claw-back of lease charges previously deducted for tax purposes.
To the extent that the individual uses the car for private use in addition to business use then an appropriate restriction on the tax deductibility of the leasing charges should be applied. E.g. if the car is used 40 per cent for private use, then 40 per cent of the lease payments should be disallowed as an expense in computing income for tax purposes. The benefit-in-kind provisions referred to by the reader do not apply to self-employed individuals. The benefit-in-kind rules would apply to the extent that a leased car is provided by an employer to an employee in computing the employee's payroll tax liability. There is no private use restriction on the tax deductibility of leasing expenses for a car where the car is supplied to an employee and that employee uses the car for private purposes.
Some of the annual lease rental expense may be clawed back in the computation of income for tax purposes if the car has a retail value at inception of the lease of more than €24,000 and the CO2 emissions from the car do not exceed 155g/km. If the car has CO2 emissions of more than 155g/km, but not exceeding 190g/km, the value of the expense deduction for income tax purposes is restricted by reference to a reduced capital limit of €12,000. Where the CO2 emissions on a car exceed 190g/km, no deduction for leasing costs is permitted in calculating the individual's income tax liability for the year.
Therefore, for new leased cars costing no more than €24,000 with CO2 emissions not exceeding 155g/km the lease payments may be written-off against income tax over the course of the lease period.
We recommend that professional advice be sought before entering into any lease arrangement."
I hope that clears it all up for you Shane.
Can I use a van for Ford scrappage deal?
Will Ford take a van instead of a car in scrappage deal for a new car?
Jim Crockett (Cork.ireland)Dec 2015 Filed under: commercial vehicle
Expert answer
Hi Jim,
Ford's terms and conditions for its 161-plate offers state that "This offer applies to trade-in vehicles aged up to 10 years which are taxed and insured at time of trade-in. Qualifying vehicles must also have a valid NCT certificate at time of trade in." So there's nothing that says you can't trade in a van. It will probably come down to the individual dealer. If one rebuffs you, try another.
What happens with a late registration?
This is my supplementary question to Neil Briscoe regarding VRT on classic cars. Thank you for following up Neil. Regarding the fact that the car in question has been in Ireland since 2006 without being registered, will this mean that a surcharge will apply on registering the car now due to the lateness of that registration?
Many thanks again
James
James Edwards (Tullow)Dec 2015 Filed under: classic cars
Expert answer
Hi James,
Well, the rule says that when a vehicle is imported it must be booked for an NCT inspection and VRT valuation within seven days of its arrival in the state. The process of registration and payment must then be completed within 30 days of arrival.
Now, it's just possible that there may be a a valid reason why this car hasn't been registered, or it may have been declared off the road at the time of entry. I think you need to get on to your local tax office and ask for help with this though as there could well be a fine in the offing, never mind a surcharge.
Is the Mitsubishi Outlander worth a look?
We are looking for a seven seater to replace our 2005 Land Rover Discovery. The tax needs to be less and I see the Outlander looks good in that respect. Are there any PCP deals available on cars of this type?
Louise Phillips (Dalkey)Dec 2015 Filed under: choosing new car
Expert answer
Hi Louise,
Yup, the Outlander is a cracking car (although you'll have to accept that it's not as spacious as the Discovery) and Mitsubishi does indeed have PCP plans available. Your local dealer will have all the details.
Read our review of the Mitsubishi Outlander
What taxes to pay on registering a classic?
Sirs, I have an opportunity to purchase a classic car that was acquired in the UK in 2006, but little used and never registered. What registration charges and/or penalties are likely to be due now?
Much obliged.
James Edwards. Tullow.
James Edwards (Dalkey)Nov 2015 Filed under: classic cars
Expert answer
Hi James,
It depends on what you mean when you say 'classic.' If the car is more than 30 years old (taken from its first date of registration) then you'll only have to pay a nominal Vehicle Registration Tax fee (about €200) and motor tax will be €56 for a year. If it's younger than 30 years then you'll have to pay VRT at the full rate and depending on the car and its estimated value that could be quite expensive.
