Thursday 13 December 2018

'I am toying with the idea of a 4WD estate or SUV. If I decide to import, my budget would be about €17k'

Volvo XC60 T8
Volvo XC60 T8

Car-value expert Gillian Keogh teams up with Motoring Editor Eddie Cunningham to help you make the right choice with your next purchase. Gillian is Editor of a monthly guidebook on the values of used cars produced by the Motor Trade Publishers team. The team supplies a car-valuing service to the motor trade, insurance companies and finance houses.

I drive a 2006 Jaguar X-Type estate (280,000km – I’ve put 160,000km of these over the last two years). I commute to Dublin daily. I also require the vehicle for a busy social and leisure life. I am toying with the idea of a 4WD estate or SUV. I am at a crossroads on whether to travel to the UK and buy a car outright or else finance one in Ireland on PCP or HP. I have a bit of an alternative taste so the usual vehicles: Passat, Mondeo, Qashqai, Kuga etc are not really appealing to me. Picky, yes I know. I would love to hear from you. I am prepared to spend up to €30k on a new vehicle if I decide to go the PCP/HP route. If I decide to import, my budget would be about €17k.

Gillian: Your mileage is well above average. My immediate thought is to buy a low-mileage two-year-old vehicle, so when you go to trade again in three to five years, you should be close to normal readings. PCP with such high mileage might not work so I would go HP. Going to the UK is a last resort for me. It is make/model/budget specific so I’ll stick with Irish (plenty of dealers have already imported the best for you) and your budget of €30k. You are more likely to find the right car in a dealer in rural Ireland where people mainly do local driving and upgrade every few years.

Here’s a few to consider:

* Volvo XC60: the D4 SE Auto would be a beauty and your budget will get you a 2016.

* Mercedes C-Class estate, again a two-year-old with low km reading would suit budget.

* If you do want to buy new, how about a Kia Optima estate or Seat Ateca SUV. Not on your list of no-go models and both come with great spec options and worth a thought.

Help us help you

We love getting your enquiries and try to reply to as many as possible here or via email. The ones dealt with here often represent a cross section of individual questions. You can help us help you with our free, independent, advice by including the following in your queries:

* Budget (including trade-in).

* Annual mileage (in kms).

* Size of car required (number of seats).

* Present car (make, model, year and mileage) if relevant.

ecunningham@independent.ie

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