2012 Vauxhall Insignia 2.0L Diesel · FN12 LXB

The 2.0-litre CDTi diesel Insignia typically returns 45-55 mpg in mixed driving, dropping to around 35-40 mpg on motorway commutes if driven briskly. Road tax sits in a reasonable band for a diesel of this age, though the CO2 figure will determine the exact cost — expect £30-£165 annually depending on the specific variant. Insurance for a 2012 Insignia is generally modest, typically falling into groups 18-22, so premiums should be competitive for most drivers. The main concern with running costs is the diesel-specific maintenance, particularly DPF regeneration issues, turbo servicing, and timing belt replacement which is due every 5 years or 60,000 miles — if not recently done, this is a £400-£600 job. Estimated annual running cost: £1,400-£1,800 including fuel, tax, insurance, and routine servicing.

Given the 2025 MOT failure citing 'emissions unable to be completed excessive blue and black smoke on acceleration also white smoke on idle', a compression test and turbo inspection are essential — blue smoke indicates oil burning whilst black smoke suggests overfueling or turbo issues. Inspect the DPF for warning lights, sluggish performance, or frequent regeneration cycles, as Vauxhall 2.0 CDTi units are known for DPF blockages especially on short journeys. Check the headlamp assembly closely, as the 2025 failure noted 'nearside front headlamp aim projected beam image is obviously incorrect' — this could indicate a damaged or incorrectly fitted replacement unit rather than simple adjustment. Tyre condition on both rear wheels should be examined, as cracking and perishing was noted in two consecutive tests in 2025, suggesting the vehicle may be stored outside or driven on harsh surfaces. Finally, examine the rear coil springs for corrosion, as this is the top MOT failure reason across the Insignia model range according to aggregate data.