Volvo Extended Warranty Overview

Motor1 Reviews Team Take:

• The cost of a Volvo extended warranty is typically between $2,500 and $4,500, which is more expensive than many of its competitors.
• Compared to many automakers, Volvo has higher average repair costs and reliability ratings from sources like J.D. Power and RepairPal.
• In our manufacturer extended warranty survey, most Volvo owners were satisfied with their coverage.
• Endurance is our top pick for third-party extended warranty coverage.

If you recently bought a Volvo or are planning to buy one, you may already be familiar with the term “extended warranty.” Volvo’s extended warranty or vehicle service contract (VSC)* provides peace of mind by providing coverage for mechanical breakdowns after the original factory warranty expires.

We understand choosing your Volvo extended warranty provider is not a decision that you take lightly, so we conducted extensive research on both the automaker’s vehicle protection plans and the best extended warranty providers in the industry.

*VSCs are technically not extended warranties, because they do not “extend” the coverage of a car’s original factory warranty. VSCs are often created by separate companies (though offered and sold through dealerships)—and have their own regulations. 

However, VSCs serve the same functions as extended warranties and can be considered as such when offered by auto manufacturers. For this article, the terms “vehicle service contract”, “protection plan”, “service plan”, and “extended warranty” are all used interchangeably.

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Volvo Extended Warranty

A Volvo Increased Protection (VIP) plan is a customizable service contract that covers unexpected expenses after the standard warranty expires. Volvo offers three levels of coverage—Platinum, Gold, and Powertrain—and depending on the model and mileage of your vehicle, you can get up to an additional 7 years or 150,000 miles of protection. 

Since the factory warranty lasts for 4 years/50,000 miles, you can get up to 11 years total of coverage with the Volvo extended warranty. Compared to other providers, Volvo’s plan is one of the longest on the market. Many manufacturer extended warranties last between 8 to 10 years and 100,000 to 150,000 miles. 

Volvo Extended Warranty Plans

Here’s a look at the three extended warranty coverage levels Volvo offers, all of which can last up to 11 years or 150,000 miles:

Plan Name	Description of Coverage
Platinum	Comprehensive coverage of nearly all mechanical vehicle parts, with only a short list of exclusions
Gold	Includes everything in Powertrain plan while adding brakes, air conditioning, cooling and electrical systems, and front and rear suspension
Powertrain	Covers engine, transmission, drive axle(s), and motor components of hybrid and electric vehicles

What’s Not Covered by the Volvo Extended Warranty?

The list of exclusions from Volvo extended warranty plans features no real surprises. These are a few of the parts, services, and damage types that aren’t covered by Volvo plans, all of which are common across the industry:

• Routine maintenance (oil changes, tire rotations, multi-point inspections)
• Heater and radiator hoses
• Glass
• Brake pads
• Wiper blades
• Damage from misuse, collision, vandalism, or theft
• Damage from lack of routine maintenance
• Damages from things covered by car insurance, such as accidents, theft, fire, and natural disasters

Volvo Extended Warranty Benefits

All three plans come with additional benefits such as: 

• Alternate transportation (up to $40 per day for 10 days per covered repair)
• Towing coverage (up to $100 per occurrence)
• Travel coverage if you’re more than 100 miles from home ($100 per day for up to five days) 
• Fluids coverage
• Transferability to a subsequent owner ($40 fee)

Note that Volvo’s plans don’t come with full roadside assistance, just towing. Many other manufacturers offer roadside assistance on their plans.

Volvo Extended Warranty Terms and Conditions

You may choose to buy your Volvo VIP plan when you purchase the car or later. The coverage starts from the date of purchase of contract and is accepted at all authorized Volvo dealers across the U.S. and Canada. Keep in mind you may get a better deal on your Volvo extended warranty price if you purchase sooner, as the car’s mileage and age will be lower.

If you decide to buy the extended Volvo warranty from the dealer at the time of purchase of the new vehicle, you could roll the cost into your auto loan. But this way, you end up paying interest on it, which could make the warranty more expensive than it should be.

Volvo Extended Warranty Maintenance Plans

Include a short description of what maintenance coverage is and intro the plans. 

Maintenance Plan Option	Term Length	Coverage Details
Prepaid Maintenance	Up to 10 years/ 100,000 miles	For model year 2016 and newer, Volvo owners can choose a plan that includes two, three, five, or seven maintenance services.
Wear Maintenance	Up to 10 years	This plan covers wear-and-tear items like wiper blades, brake pads, and rotors. You can choose a term of three, five, seven, or 10 years.

The Volvo Prepaid Maintenance plan includes roadside assistance that features key fob replacement benefits of up to $450 per incident. You can also transfer the plan to a new owner, potentially boosting resale value.

More Volvo Protection Products

Volvo offers an impressive selection of optional vehicle protection plans. The following sections outline these additional coverage options.

Volvo Total Loss Protection

This is Volvo’s version of guaranteed asset protection, or GAP insurance. The plan provides $50,000 of coverage for your vehicle if it’s declared a total loss. When you make a claim, Volvo Total Loss Protection also pays up to $1,000 toward your insurance deductible.

Volvo Appearance Protection

This covers interior and exterior vehicle elements and comes in two levels: Plus and Ultimate. The Plus plan covers dents and dings while providing rental car coverage up to $50 (one day). At the Ultimate level, you get what’s included in the Plus plan along with protection against windshield damage and interior tears and punctures.

Volvo Protection Plan

This protects your vehicle from road hazards and general wear and tear. These are the four coverage levels available:

• Superior Plus: Comprehensive coverage for your Volvo’s interior and exterior, with windshield replacement benefits included
• Superior:Tire and wheel coverage with cosmetic protection, along with dent and windshield coverage
• Premium: Tire and wheel coverage with cosmetic protection included
• Deluxe: Tire and wheel coverage (covers damage due to road hazards, but no cosmetic protection included)

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Volvo Extended Warranty vs. Factory Warranty

With proper maintenance, your Volvo can last a long time. But like any other vehicle, they’re not immune from breakdowns, and the factory warranty only covers you for up to 50,000 miles. A Volvo extended warranty kicks in after the factory warranty has expired to ensure you’re covered when an unexpected, major car repair falls into your lap.

In addition, a transferable Volvo extended service contract could also improve your car value and make your car more appealing to a buyer.

Volvo New Car Warranty

When you purchase a new Volvo vehicle, it typically comes with the following manufacturer warranties:

• Limited Basic Warranty (4 years/50,000 miles): Covers all repairs caused by defects in material or workmanship, including parts and labor, as well as battery and powertrain coverage
• Corrosion Warranty (12 years/unlimited miles): Covers the body sheet metal of your Volvo if it corrodes or rusts through
• Emissions Warranty (2 years/24,000 miles to 8 years/80,000 miles): Covers emissions control parts like the catalytic converter
• Scheduled Maintenance (3 years/36,000 miles): Covers services at the 10,000-mile, 20,000-mile, and 30,000-mile marks
• Adjustments (1 year/12,000 miles): Covers refinements to original factory fittings and alignments
• Roadside Assistance (4 years/unlimited miles): Covers Volvo On Call customer assistance

Volvo Certified Pre-Owned Warranty

You can also buy a Volvo Increased Protection plan for a certified pre-owned (CPO) vehicle. Volvo CPO vehicles come with a 1-year/unlimited-mile warranty. With an extended protection plan for your Volvo CPO, you’re covered for an additional five years with no mileage limit.

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Volvo Extended Warranty Cost

As you might expect considering the average price of a Volvo vehicle, an extended warranty from the automaker is more expensive than what you’ll find from many other brands. 

Below are the sample quotes we received from Volvo for their extended warranty options: 

Vehicle Model	Coverage Level	Term Length	Total Cost
2020 S60	Gold	6 years/85,000 miles	$2,747
2020 S60	Platinum	6 years/85,000 miles	$3,124
2021 XC40	Gold	6 years/72,000 miles	$3,311
2021 XC40	Platinum	6 years/72,000 miles	$4,037
2020 XC90	Gold	5 years/75,000 miles	$3,730
2020 XC90	Platinum	5 years/75,000 miles	$4,751

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What Our Survey Respondents Say about Volvo Service Contracts

In early 2024, our team surveyed 220 owners of manufacturer extended warranty plans from luxury brands. There were 20 Volvo owners in the survey. Here are a few quotes from these respondents about their satisfaction with Volvo’s extended vehicle protection offerings:

• “I’m very satisfied. Getting service under warranty was very easy, and it was reasonably priced.”
• “Overall it helped to extend the initial warranty and covered several major repairs that happened when mileage got higher from use.”
• “It was worth it as the car had electrical issues.”

Here’s how much the Volvo warranty owners in our survey paid for their plans:

• Three paid less than $1,000
• Four paid between $1,000 and $2,000
• Five paid between $2,000 and $3,000
• Six paid between $3,000 and $4,000
• One paid between $4,000 and $5,000
• One paid more than $5,000

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Should You Buy a Volvo Extended Warranty?

In general, Volvo vehicles have above-average repair costs and slightly below-average reliability ratings. For these reasons, a Volvo extended warranty could be a wise investment.

Reliability of Volvo Vehicles

J.D. Power consumer studies and car repair estimator site RepairPal are our best sources for understanding vehicle reliability. Taken together, these sources offer a lukewarm take on Volvo when it comes to affordability and reliability.

J.D. Power Reliability Ratings

In the J.D. Power 2024 U.S. Vehicle Dependability Study℠, which measures how many issues vehicle owners face after three years, Volvo came in 24th out of 29 auto brands. Volvo owners reported 245 issues per 100 vehicles on the road, well above the study average number of 190. 

RepairPal Reliability Ratings

RepairPal ranks Volvo 17th out of 32 auto brands when it comes to overall reliability. Here’s a breakdown of how RepairPal rates Volvo compared to auto industry averages.  

Category	Volvo Ranking	Industry Average
Cost of ownership	$769	$652
Repair frequency	0.5 times per year	0.4 times per year
Repair severity	9%	12%
Overall reliability ranking	3.5 out of 5.0 (17th among 32 car brands)	3.4 out of 5.0

Cost of Volvo Repairs

Here are a few Volvo repair estimates we received from RepairPal:

Volvo Model	Location	Repair	Estimated Repair Cost
2021 XC40	Sacramento, CA	Drive belt tensioner replacement	$540 to $637
2019 V90 Cross Country	Austin, TX	Windshield wiper motor replacement	$751 to $817
2018 S60 Cross Country	Bloomington, IN	Water pump replacement	$1,156 to $1,215
2021 S60	Albany, NY	Fuel pump replacement	$1,443 to $1504
2020 XC90	Raleigh, NC	Alternator replacement	$1,403 to $1,621

Most major car repairs happen after the car ages, and by this time, the factory warranty has already expired. The cost of an extended car warranty can certainly be worth it. If you don’t want to pay for these expensive repairs out of pocket and would prefer the convenience and confidence of a Volvo extended warranty, read on.

We asked the Director of Marketing at Endurance, Jessica Campbell, about common repairs the company handles. Here’s what she said:

“Transmissions are the most common repair claim, followed by water pumps. Repair costs can vary widely depending on several factors, including vehicle type, model, age, and the complexity of the individual repair.”

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Volvo Extended Warranty Vs. Third-Party Extended Warranty

An extended warranty from Volvo can be a good choice, but it’s also smart to consider your third-party options. Vehicle service contracts from independent warranty companies carry their own sets of advantages over extended warranties from manufacturers. The pros and cons tables below highlight this. 

Our Experience Buying Third-Party Warranties

In 2023, our team purchased vehicle protection plans from autopom!, Carchex, Endurance, and Olive. Here’s a summary of our team members’ experiences buying coverage from these companies:

Third-Party Company	Plan	Price	Coverage Terms	Our Buying Experience	Cancellation
autopom!	Exclusionary (comprehensive)	$135 for 15 months	5 years/unlimited miles	The salesperson was helpful and patient, though it took a few calls to reach a live person	Cancellation by phone was easy and we received email confirmation
Carchex	Titanium (comprehensive)	$140 per month	Month-to-month	The agent was helpful and not pushy about buying right away	Smooth cancellation process
Endurance	Secure Plus (mid-level)	$150 for 30 months	4 years/48,000 miles	Easy experience overall, though salesperson pushed Supreme plan at first	Cancellation within 30 days was quick with the policy number
Olive	Powertrain	$35 for 36 months	3 years/185,000 maximum miles	100% online purchase was easy to do in under an hour	Canceled via email easily, though contracts say mailing cancellation is required

*The Carchex plan applies to a 2019 Jeep Wrangler with 49,313 miles. All others apply to a 2021 BMW X5 with 26,000 miles.

What Our Survey Data Says about Buying Third-Party Warranties

In May 2024, we surveyed 1,000 extended warranty owners. About two-thirds of these respondents had purchased protection plans from a third-party provider.

Here’s how these consumers answered a few key questions about their vehicle service contracts: 

What level of coverage did you purchase?

The survey featured the following breakdown of warranty coverage levels:

• 41% bought comprehensive coverage
• 25% bought powertrain coverage
• 23% bought a mid-level warranty plan

How much did you pay for your extended warranty?

Here’s how much the 391 respondents who paid for their coverage up front spent on their warranty plans:

• 11% paid less than $1,000
• 19% paid between $1,000 and $1,500
• 13% paid between $1,500 and $2,000
• 11% paid between $2,000 and $2,500
• 14% paid between $2,500 and $3,000
• 13% paid between $3,000 and $3,500
• 8% paid between $3,500 and $4,000
• 7% paid between $4,000 and $4,500
• 4% paid more than $4,500

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Best Third-Party Vehicle Service Contract Options

While the Volvo warranty has its perks, we recommend our top pick for warranty coverage, Endurance, which won our Best Coverage award in our 2024 industry review. See the tables below to learn more about the company and to see how the Volvo warranty stacks up next to Endurance. 

Endurance Vs. Volvo Extended Warranty

Here’s a glance at how Endurance vehicle service contracts compare to Volvo’s extended warranty options:

	Endurance	Volvo
Plan Options	6	3
Maximum Mileage	Unlimited	150,000
When To Buy	Anytime	Before factory warranty expires
Choice of Repair Shop	Any mechanic certified by the National Institute for Automotive Service Excellence (ASE®)	Volvo dealerships
Maintenance Coverage	Advantage™ plan covers oil changes, brake pads, cooling system maintenance and more	Two levels of coverage available, one of which lasts up to 10 years or 100,000 miles
Benefits	Roadside assistance, trip interruption, rental car plus Elite Benefits like key fob replacement and tire repair for one year	Towing benefits, rental car reimbursement, trip interruption coverage (no full roadside assistance offering)

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Volvo Extended Warranty: Bottom Line

The Volvo extended warranty can cover up to 150,000 miles, which is a high limit considering other manufacturer extended warranty plans. However, it doesn’t come with roadside assistance and you have to go to a Volvo dealer for repairs. We recommend comparing Volvo’s plans with third-party providers to find the best option.

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Volvo Extended Warranty: FAQ

Below are commonly asked questions about the Volvo extended warranty: 

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Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

• Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
• Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
• Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
• Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
• Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.

*Data accurate at time of publication.