This is going to be my last reply to you because it is clear to me you aren't really listening to what I am saying. Hopefully the other folks that read this that are running into this issue can read what I am saying, read what you are saying, and parse things together on their own without being bogged down by how you have muddied the water.
You keep mentioning Volvo like Volvo has any control over what the VIP Warranty adjuster says. This is the first indicator that you are very mistaken on this topic because you don't even understand that the VIP Warranty is a 3rd party warranty and not administered by Volvo even though it has Volvo in the name and is sold exclusively by Volvo dealers for Volvos. That is a common misconception, so I normally wouldn't give you a hard time about it, BUT you are talking about it like you are an expert, so you do deserve me giving you a hard time about it.
The Policies are underwritten by Fidelity and are Volvo Backed. I guess if you want to technically argue that the Fidelity Adjuster can make exceptions, then yes, you're right. It all depends on who has the final say here. Fidelity has obviously limited their liability to Oil Consumption Issues for a Reason. If Volvo feels good will is worthwhile, I am sure it can either nudge Fidelity into approving a claim or bite the bullet and absorb the cost.
You are speaking on this like you have direct knowledge. You don't. Unless you have spoken to a decision maker at Volvo corporate that has told you "our sole deciding deciding factors in giving out goodwill assistance is XYZ," you are basing your conclusion purely on conjecture. I think it is pure conjecture because you have left out what I believe is a significant factor in giving out goodwill - how far a car is out of warranty. Regardless, all of these things are likely out of the owner's control by the time they discover oil consumption, so they are neither here nor there in my comment about the VIP warranty.
I covered this in mentioning where the car was purchased and if all services were performed by a Volvo Dealer. I have helped a ton of people on here contact corporate with issues. So I've got a decent sense of what will happen from that experience. Playing up the fact you've bought multiple Volvos, or that you have serviced this Volvo exclusively at a dealership, and that the car was bought from Volvo are all mitigating factors. There's obviously no guarantee Volvo will approve these claims, but your chances are far better than someone who bought a Volvo at Bob's used Car Lot and had it services a few times at Volvo and the rest at an Indy. You can expect the latter case to be denied sans 99.9%.
We haven't been talking about SPA cars, so I have no idea why you are bringing this up.
I realize this buy I brought up SPA's because we don't know if there will be a consumption problem with these vehicles. Too early to tell. Was worth mentioning. Most P3s are nearing the end of their factory warranty, if not having already expired. With 17s and 18s expiring in another year or two. Old CPO 7 yr / 100K i believe terminated in 2018. So the last cars that may qualify here will expire in 4 maybe 5 years. So there's shelf life. However, I'm not aware of too many people with late model 16s, 17s, and 18s having consumption issues. If I am not mistaken, I have read a few on here, but don't quote me on it.
No one added any verbiage to the warranty recently. I bought my warranty in 2018 and its terms were written in 2016. It included the EXACT SAME exclusions in it that you are claiming Volvo added specifically because of the issues our cars are having. THAT IS UNTRUE. Stop repeating it. 3rd party warranties almost all exclude correction for oil consumption. There is nothing special about this exclusion in the VIP warranty.
Also, as mentioned before, Volvo isn't the one making the determination of if it is covered or not. Volvo (in conjunction with it's dealer mechanics) is the one diagnosing the issue and making repair suggestions. The adjusters for the VIP warranty company are the ones that determine if they will cover the repair.
Your issue was a failure not just an oil consumption issue. I forgot your exact circumstance (Broken Piston / Trashed Engine?). Either way, your coverage rightfully replaced your engine because you suffered a failure. Had the engine not failed, repair would be case by case basis. Again, see above.
That's what you aren't grasping here. The verbiage gives Fidelity and Volvo an "out". Whether they choose to use discretion is irrelevant. One should operate under the pretense that oil consumption on a P3 isn't covered. If and/or when a consumption issue appears, then it's time to play up the Volvo Loyalty card and hope to win over Corporate if Fidelity chooses not to cover a repair.
Let me explain my logic hopefully for the final time. The VIP warranty covers all internally lubricated engine parts. This includes pistons and rings (it specifically listed pistons and rings as internally lubricated parts in my warranty). It excludes correction of oil consumption and worn piston rings. I THINK an argument can be made, on the cars that fall under the TJ to replace the pistons and rings, that the rings are not WORN, they are DEFECTIVE. I THINK an argument can be made that oil consumption isn't a problem that needs to be corrected on these cars, but is a symptom of the problem that Volvo itself identified as defective piston rings. Will the adjuster with the VIP warranty company buy that explanation? I don't know. I think it depends on several factors, one of which is how well the dealer servicing your car articulates the problem.
I think manufacturers shafting it to their owners is why you have seen numerous class action lawsuits against brands for oil consumption. A very expensive issue to fix, and it appears not a single dealer has issued a recall to replace rings across the board. More so, they hope the chips fall in their favor, in that the issue happens far outside of warranty. Therefore, they aren't on the hook to cover an costly repair. Lawyers wouldn't be suing if this were cut and dry as you articulate. Your argument isn't wrong at all, but manufacturers, including Volvo, aren't necessarily seeing the light. There was a firm in New Jersey looking for a class action against Volvo. Not sure whatever happened with it. Still says seeking candidates on the link.
This is the exact route I took with my issue and I documented it here. I got lucky in that it never got to that point (convincing the adjuster he was paying for defective rings) because I had a broken piston. But before I knew I had a broken piston, I had a very specific conversation with my dealer's service manager on how I wanted them to approach the adjuster. They had every incentive to follow my instructions advocate for me because they wanted to do the service. We also were quite familiar with each other at that point.
Getting the dealer on your side was wise. Having a detailed maintenance history is also crucial. These are things I recommend to everyone I help on here. While these options better your chances, they offer no guarantee. You were lucky that the piston failed, because you've got a brand new engine with new rings, and your car will now go for a few hundred thousand miles!
I'll be 100% Honest.
I sit at 72,000 miles. 28,000 Miles / 22.5 Months left on CPO. Whichever comes first. I've owned my car since end of May 2016 so 50 months (4 yrs / 2 months). I'm trying to slow my driving down a bit to stretch out those remaining 28K for hit closest to the 22 months as possible. Unfortunately, this past year I probably did 25-30,000 miles of driving due to several different reasons. Anyway, my biggest fear is my car will hit 100K and I'll get hit with your issue or a consumption one shortly after. Knock on Wood, Rain Dance, etc
so far so good, but it's always in the back of one's mind driving a 15.5 or early 16.
Let me also be clear on my warranty recommendations. I AM NOT, as you say, "advocating buying the warranty which explicitly excludes consumption problems, in hopes that Volvo will make an exception should a consumption issue arise." I am saying that AFTER someone notices oil consumption, they should consider buying the VIP warranty before taking the car in. But I am also trying to temper their expectations because we don't have a data-point one way or the other on whether the VIP warranty will cover the piston/ring replacement. I had a great experience with my VIP warranty. I had a unique situation in the end. But at least I can say that in my situation, the warranty company did the right thing. That is why I advocate if someone wants a warranty, to go with the VIP warranty and not one of the other random ones that have terrible reviews. And also, if they don't cover it, it is refundable on a pro-rated basis. If your saga takes 6 months like mine did, and you buy a 2 year warranty, and they don't cover it, you can still get 75% of the warranty back.
Always buy dealership and never 3rd party. Those 3rd party ones will screw you over 99.9% of the time, looking for every out on denying a claim. So yes, I agree. Also, I agree, if you see a consumption issue try buying a warranty and getting it covered before bringing the problem to the dealer's attention. The warranty can ALWAYS be cancelled if it's a Volvo Backed One. Once the issue is documented, you have ZERO chance of the warranty paying, and are left to Volvo's Good Will Graces. We don't disagree here at all!