Expert answer

Hi John,

Sorry to hear you're still having trouble, but if it helps, you're not alone. Aviva (along with Allianz) have announced that they're no longer going to provide cover for new customers with cars older than 14 years. Now, in a statement last week, the company did say that it would continue to cover existing customers with such cars, and would provide cover for existing customers purchasing such cars, but from what you're saying there it seems that Aviva simply doesn't want your business anymore and is therefore giving you quotes deigned to push you into either replacing your car with something younger or moving to another insurer. 

Thankfully there are plenty of such insurers out there, so I'd say give customer loyalty a good kick up the backside (it's a worthless thing these days anyway) and get yourself a better quote from elsewhere. There are insurers out there who will cover you. I've just put a few random details into the One Direct system for instance and got a quote of €840. Too expensive? You'll just have to shop around but the best bet for you could actually be to find a good local insurance broker - they can get access to deals and policies denied to us mere mortals. Beware though, the unfortunate and inevitable downside of Avivia and Allianz's decision is that other insurers are going to start putting extra risk loadings on older cars, so your premium is probably going to be pretty expensive wherever you go.

A representative of AXA insurance asked to be put in touch with you, so hopefully that goes well.

Read the news story about insurance on older cars here

Expert answer

Hi Ed,

It depends entirely on the make and model and also other factors such as barometric pressure, the stock market and what the dealer had for breakfast that morning. €4,000 would sound like a good starting point. 

Expert answer

Hi Louise,

You don't necessarily need a 4x4 for that - a mid size estate car would do the job just as well. So, have a look at the following and see what you'd like: Mazda6 2.2d, Ford Mondeo 2.0 TDCi, Skoda Superb 2.0 TDI.

Or, if you really have to have a 4x4, check out the Hyundai Santa Fe, Audi Q5 or Nissan X-Trail.

Relevant reviews:

Mazda6 Tourer estate review

Skoda Superb Combi 4x4 review

Hyundai Santa Fe review

Audi Q5 review

Nissan X-Trail review

Expert answer

Hi Jillian,

OK, there's a few good options out there. You could try and track down a Mitsubishi Grandis - think of it as a Japanese Ford S-Max, with space for seven and endless reliability, but I'm slightly worried that you might be caught for space as your kids get bigger. How about something van-based? A Volkswagen Caddy Maxi Life has seats for seven, lots of space and  based on a commercial vehicle means it'll go forever. That 1.6 TDI  engine makes it cheap to run too.

If you need more space than that, then you're into big van-with-windows territory such as a Ford Transit Tourneo or Volkswagen Caravelle, but these are really big and unwieldy and can be pretty thirsty. If you can all squeeze into the Caddy happily enough, that's the one I'd go for.

Expert answer

Hi Ronan,

Go for the Octavia. The Mazda3 is nice to drive and incredibly reliable and the Corolla is about as reliable and unbreakable as a granite rock, but the Octavia has the best interior space and reliability is generally excellent, so go for that. Case in point: once spent two consecutive weekends hauling my young family from Dublin to Waterford to visit relatives. First weekend with a Ford S-Max, second with an Octavia (this would have been 2006) and the Octavia carried the same amount of luggage as the S-Max...

Relevant reviews:

Skoda Octavia review

Toyota Corolla review

Mazda3 review

Expert answer

Hi Stephen,

If it won't turn over at all it sounds like the battery is flat (it takes a lot more charge to turn the engine than to light up the dashboard) or the starting motor has stopped working. As you mentioned slow degradation I'd suspect the battery, and perhaps the alternator isn't working to full efficiency. Best bet is to get a good mechanic or auto electrician to sort it out.

Expert answer

Hi Seamus,

This is quite a tricky one so we sought the advice of the car data experts at Cartell.ie. Here's what they came up with:

"This is an unusual query and you'll need to get confirmation from Revenue in Ireland and HM Revenue & Customs in the UK. Based on what we think, and we don't see this query a lot, you may be able to buy the vehicle brand new for export, meaning that the VRT isn't paid on it at all - so no need for refund. The vehicle may get a temporary registration so it can be exported. Also the VAT of 23% can be claimed back as it's a new vehicle and you'll have to pay the UK VAT rate when it's registered there. To be honest this is a bit of a minefield and we strongly advise getting all details and clarifications from the Revenue both in Ireland and the UK before proceeding."

Expert answer

Hi Olive,

It's not easy to assess such issues from afar though it does sound as if the car is going into 'limp home' mode to protect the engine as the engine control unit (ECU) has sensed a problem. With such a new car it's most likely to be a wrong reading from a sensor rather than anything major.

As the car is new, bring it straight back to the dealer and we're sure it'll be sorted quickly.

Let us know how you get on and what the problem was.

Expert answer

Hi Jerry,

It depends. If you roll it up to a Nissan, Peuegot or Opel dealer in the next few weeks, then it could be worth as much as €4,500 off a new car. As a pure scrap value, at a breakers, it depends entirely on the condition of the car and the various parts that can be stripped from it.

Expert answer

Hi Ruairi,

With that kind of mileage you would probably be fractionally better off with a petrol, but the thing is that you're unlikely to find one - petrol sales collapsed in the wake of the 2008 change in the car tax regime, so it's very likely that all you'll find out there are diesels. 

Which is no harm - the 308 was always nicer to drive with the 1.6 diesel than with a petrol (unless you can track down a vanishingly rare 150hp 1.6-litre petrol turbo). You just need to watch for a few key items. Make sure the diesel particulate filter has been kept clean, and make sure you give the car at least one good long drive at motorway speeds every week to keep it that way. Check that the cooling system is working properly and that the (plastic) water pump is in good nick. Check the gearbox too - the five-speed manual can sometimes get jammed in neutral.