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Which new exec diesel auto saloon to go for?

What compact exec would you choose in a diesel auto as a private buyer? BMW 320d M Sport, Audi A4 S tronic, Jaguar XE Portfolio or Mercedes-Benz C-Class? Or would you go with something cheaper like a Volkswagen Passat Highline DSG 190?

Andrew Kelly (Limerick)

Jan 2016 Filed under: choosing new car

Expert answer

Hi Andrew,

Well, of the posh-badge brigade, my personal favourite is the Mercedes-Benz C-Class - it's supremely comfy, beautifully made and really satisfying to drive, but, to be honest, you couldn't go wrong with any of those cars, it really is down to personal taste.

Your other question is an interesting one though. If you can live without the posh badge, and aren't quite so worried about driving dynamics, then a Skoda Superb is pretty much unbeatable. Same mechanical make up as the Audi but far bigger and way better value. Try a Ford Mondeo or Mazda6 if you want something with a keen chassis or a Toyota Avensis if you never, ever want it to break.

Some relevant reviews for you:

Updated BMW 320d review

New Audi A4 2.0 TDI review

Jaguar XE review

Mercedes-Benz C-Class review

Volkswagen Passat Highline review

Skoda Superb review

Ford Mondeo review

Toyota Avensis review


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.


What's VAT situation on importing from UK?

I am considering buying a VAT qualifying car with a VAT number in the UK that is more than six months old and more than 6,000km on the clock. What are the immediate or later VAT implications for me?

Michael O Neill (Limerick)

Dec 2015 Filed under: importing

Expert answer

Hi Michael,

None. If you’re importing a car from the UK that is older than six months old, the VAT is considered as paid and you only need to deal with the VRT charge.


Am I mad to go for Land Rover commercial?

Hi there,

I am a rural vet driving a SWB commercial Toyota Landcruiser. I need to change to a 4x4 with more seating for the kids. I'm thinking of a Land Rover Discovery utility commercial. I'm wondering am I mad to make this move as the stories over the years about Land Rover reliability are plentiful.

Ed

Ed Myers (Cork)

Nov 2015 Filed under: commercial vehicle

Expert answer

Hi Ed,

Land Rover's quality has been getting better and better and it seems as if the current Discovery model has shaken off a lot of its reputation for weak gearboxes and electrical maladies. I think it's probably worth the punt, but there are two other good options - both the Mitsubishi Pajero and Toyota Land Cruiser are also available in 'business versions' that mean you can buy them for the price of a commercial but you get the back seats and luxury touches. That said, you'll have to tax them as a private car if you're going to carry the kids around - it's a €4,000 fine if you're caught with the incorrect tax.


How can I buy a Volkswagen Golf R Estate?

I have my heart set on a Volkswagen Golf R 'Sportwagen' (estate), but it seems Volkswagen Ireland will not be selling them here. Do I have any real options to buy one, given that importing from the UK is prohibitively expensive considering the exchange rate?

Thanks.

Graham McGarry (Greystones)

Nov 2015 Filed under: choosing new car

Expert answer

Hi Graham,

I'm afraid not - it's simply not a model appearing on the official Volkswagen Ireland price list. You could try sweet-talking a Volkswagen dealer but they'll essentially just have to privately import it themselves so they'll just pass on the same costs to you.

We double checked the situation with Volkswagen Ireland and it confirmed the same.

Such a shame!


Can I get Apple CarPlay on my 2015 Golf?

Will Apple CarPlay work on a 2015 Golf with Discover satnav by a software upgrade or would it have to be a hardware fix? I have the media-in cable already.

Simon MacMahon (Navan)

Nov 2015 Filed under: satellite navigation

Expert answer

Hi Simon,

If you go to the settings menu and see a menu heading titled ‘App Connect’ then yes, Apple CarPlay will work, but you might need to go to your Volkswagen dealer to get an activation code.


Do I need to pay VAT on importing this Peugeot?

Hi,

I am thinking about importing a Peugeot 508 from the UK. They will sell it to me VAT free. It was "pre-registered" by the dealer, but never sold. It has only 100 miles on the clock but as it is over a year old is it liable for Irish VAT?

Thanks,

John.

John Madden (Carndonagh)

Oct 2015 Filed under: importing

Expert answer

Hi John,

Yup, you'll have to pay the VAT I'm afraid. The rule says that if a car is less than six months old or has less than 6,000km on the clock, it's liable for Irish VAT upon entry into the state. You'll be charged it along with your Vehicle Registration Tax (VRT) at the time of inspection.

Read our guide to importing a car from the UK here


Can I sell a car I have on PCP finance?

Can I sell my car once I'm half way through my PCP agreement?

Karen Lennon (Longford)

Oct 2015 Filed under: finance

Expert answer

Hi Karen,

You'll need to check the fine print of the deal you signed, basically. It'll come down to the terms and conditions. You would certainly be able to trade it in against a new car, but you may not be able to sell it privately depending on the deal (which is essentially a lease). Also, even if you are allowed to sell privately you may struggle to make enough money to cover all the final payment costs. 


When will Volkswagen Ireland launch Apple Car Play?

When will Volkswagen Ireland launch Apple Car Play on Composition Media stereo across its range? I have a Mk7 Golf with the second version of Composition Media and it says I need an activation code. I asked Volkswagen Ireland for a part number and the price is €250 including VAT, but it can't be ordered as it's not available in Ireland yet.

Is there any other way to find out a launch date for this feature?

Riccardo Macari (Drogheda)

Oct 2015 Filed under: aftermarket

Expert answer

Hi Riccardo,

We checked with Volkswagen Ireland and the official response was this: "CarPlay and Android Auto will not be available in Ireland until late 2015 or early 2016 at the earliest in combination with third party apps (e.g. Spotify, Facebook, etc.). This is currently being tested in combination with third party apps for the UK and other larger European markets but there is no set release date for Ireland yet."


Secondhand Honda CR-V or Nissan X-Trail?

I am looking for a reliable, spacious secondhand SUV that won't cost me the earth to run. I have a budget of €9,000 - €10,000. Will be used privately most of the time (12,000 miles per year, two kids and a dog), but need it for off road on a farm/laneways for cutting down trees and towing a trailer full of firewood every couple of weeks.

I am undecided between a 2008 Honda CR-V 2.2d AWD or a 2008 Nissan X-Trail 2.0d 4wd. I like the space in the X-trail but would the Honda give me less trouble? Also I see that the X-Trail comes in 150 and 175hp guises. What would best suit my needs and would there be much of a difference in running cost/fuel economy?

Any advice would be grateful!

K C (Cork)

Sep 2015 Filed under: choosing used car

Expert answer

Hi Keith,

Both are excellent cars and the 175hp X-Trail's extra grunt could be very useful when hauling trees and trailers. That said, the Honda is still plenty grunty and a bit more plush inside than the Nissan. Actually this is a hard one to choose - I know from personal experience that the Honda is close to indestructible, but I also happen to think that the X-Trail is a really underrated car.

Coin toss so - go for the Honda.