Expert answer

Hi Derek,

OK, you haven’t told us the year of your Mazda so that makes it a little hard to value, but seeing as it’s the 1.8 petrol I’m going to guess that it’s around 2006-2007. If so, then I’d say that the €4,400 trade-in offer is actually pretty good.

As to what car to get, if you’re looking for a small hatch then it’s very hard indeed to look past the Volkswagen Golf. It’s one of the world’s best-selling cars for a reason, and as long as you buy one with a full service history and keep it looked after, you should get plenty of years of reliable service out of one yet.

Ditto for the mechanically identical SEAT Leon and Skoda Octavia. The Opel Astra GTC is a fine car in many ways — handsome, good to drive, decent quality, but it was hamstrung by poor diesel engines (other than the range-topping 2.0-litre) and unless you’re looking at the 1.4 petrol turbo model, it’s possibly not the best purchase.

The Focus is definitely a good buy, and that TDCi diesel is frugal to run, but you just have to be slightly cautious about diesel power right now. If you’re not doing big miles, you’d be better off with a petrol car.

Expert answer

Hi Nora,

I'm afraid we can't do that check for you, as there's a small fee. Your best bet is to go directly to Cartell.ie and pay for a full history and finance check. It's not expensive and a great investment. We do it ourselves when buying used cars.

Expert answer

Hi Michael,

I'm afraid that's not information that we have access to. That's a UK car so the only ones that would have that information is the DVLA (Driver and Vehicle Licencing Authority) and the British Transport Police, neither of which are in the habit of disclosing such private information to the public.

It makes no difference that it is a British car; the same limitations would apply to an Irish one.

Expert answer

Hi Bob,

As long as they’re more than six months old, with more than 6,000km on the clock, then you’re right — no VAT, only VRT.

Expert answer

Hi Paul,

Generally it’s only commercial vehicles that qualify for reclaiming VAT, but to be honest, it’s not the car, it’s you — whether or not you can claim back VAT on any car will depend on whether or not you’re registered for VAT. Talk to your accountant is our best advice.

Expert answer

Hi Andreas,

If the car is three years old, and thanks to Cyprus being in the EU, you won't have to pay VAT when you import the car, as that's only payable on cars up to six months old. You will need to pay Vehicle Registration Tax (VRT) though, and you'll have just a week from the car's arrival here to inform the Revenue Commissioners of it being here and a month to organise an inspection and pay the charge. If you're trying to reclaim VAT originally paid on the car, then you'll need to get yourself a good accountant as it's a complex process and will depend on whether or not the car is registered as a commercial vehicle. 

Expert answer

Hi Conor,

The critical thing is to get the car history checked by a service such as Cartell.ie. Buying from a private buyer obviously leaves you without comeback in the event of mechanical issues, but you could consider an aftermarket warranty. It's the history that's the important bit. If there's anything of concern or if there is outstanding finance payments, walk away. Plenty more out there. 

Expert answer

Hi Richard,

We asked Eddie Coleman of Conlan Crotty Murray & Company Chartered Accountants for some help on this one and here was his response:

"For a self-employed VAT-registered sole trader the most tax efficient vehicle to purchase for business use would be a small commercial van/SUV.  As the private use element of the vehicle is likely to be minimal VAT could be recovered on such a vehicle in the proportion that business use bears to the total usage of the vehicle.  As there should be a high business usage of the vehicle most of the running costs of the vehicle, such as insurance, fuel, maintenance, etc. could be expensed for tax purposes, again in the proportion that business usage bears to overall use of the vehicle.

If an individual decides that a small commercial vehicle is not appropriate and decides to purchase a car then there would be very limited tax deductibility for VAT purposes.  If a car falling into Category A, B or C is acquired, then 20 per cent of the VAT paid on purchase of the vehicle could be recovered where at least 60 per cent or more of the usage of the car is for business purposes.  There is a potential claw back of the VAT recovered if the car is sold within two years of acquisition.

If the car is acquired by way of a hire purchase agreement or loan finance then the vehicle is treated as owned by the individual.  The capital cost in those instances can be claimed by way of an annual capital allowance write-off equivalent to 12.5 per cent of the cost of the vehicle, restricted to business use as a proportion of overall use of the vehicle.  If a new vehicle is being acquired then it may be possible to do so by way of a finance lease.  In such circumstances it may be possible to write-off the capital cost of the vehicle over a shorter time frame, again subject to business use restriction on the allowable tax deduction."

Expert answer

Hi Ebere,

You’ll need two crucial documents. You’ll need the V5C form, which is the vehicle’s identity papers (it’s the red, pink and blue form with the car’s reg number, VIN number etc.) and you’ll need an invoice showing the date and location of sale and the amount paid for the car.

Other than that, you’ll need the usual proof of identity for yourself (passport or driver's licence, utility bill with your home address etc.).

I’d suggest you have a good careful read of two pages before you start out:

1 - from www.citizensinformation.ie

2 - from www.revenue.ie

Expert answer

Hi Mike,