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Volvo XC90 extended warranty and maintenance programs -- yikes!

71K views 166 replies 83 participants last post by  rajetta  
#1 ·
Got the quote for the extended warranty for the new XC90 today (and separately for the extended maintenance program). I was shocked by the prices. Granted I've only done this for our previous top trim Toyota and Honda mini-vans but the cost difference was extreme.

There is a substantial schedule so no time to quote it all here, but a few examples. All these are from mile and day zero, so they are inclusive of your covered warranty period. For example, there is a 36/60,000 version which effectively only buys you 10,000 extra miles since your default warranty is already 48/50,000. And even that costs $2,323 (or or basically a quarter per mile).

I got an 84/100,000 for my wife's Odyssey for about $600. The equivalent for the XC90 is $4,044. 84/75,000 is $3,172.

Do these seem in-line with others expectations for this brand or comparable brands? Hard to imagine it's not better to self-insure at those prices. Is there any competitive market (for example, with Honda it helped that you could buy the warranty online from other dealers so my dealer matched one from another state).

The extended maintenance program (including common wear items but not tires) is $3,700 for 100K miles or $1,700 for 50K miles (which basically just extends your next 2 scheduled mainteances beyond what you get included with the car). He said there was no option in-between (i.e. 75K miles, etc.)
 
#2 ·
1.) should be negotiable, but those are german luxury car prices
2.) for that price, BMW throws in oil changes and "checkups" not sure what Volvo is doing for you.

My question is can you buy it at 47 months or 49,999 miles or does it have to be now?
 
#3 ·
You can purchase up until just before the warranty runs out. However, it will cost you. I do not know the mileage and time cutoffs for the Volvo plans. However, I looked at Assurant Vehicle Protection plans thru USAA and they increased in price every 12k miles. You may check into Assurant Vehicle Plans as they can be cheaper than the Volvo plan. I have had them in the past and they have been good - in the case of my plan there was no deductible. Got it thru USAA. They are suppose to have plans available for the 2016 Volvo XC90 at the end of the week. I would carefully compare the Assurant vs Volvo and go with what you feel you are most comfortable with or best suits your needs. It is always good to have options.
 
#8 ·
That does have me worried a bit. I'm at 81/72,000 now on my Honda Pilot (without an extended warranty) and have never had a single issue outside of routine maintenance (and routine maintenance usually cost about $30-40 and has never cost more than a couple hundred). Same with the Odyssey 3 years in. Previous Sienna had minor issues with one sliding door closing and the CD player, both of which the dealer handled for free despite it being outside the warranty period. I had a Lexus for 4 years without any issue. It's not just the cost of repairs, but the inconvenience. When you have three kids and work 60 miles away, it's a challenge to schedule anything let alone time without your car. I have many friends with BMW's and Audi's who are always talking having it in the shop or an expensive repair. Why would the cheaper cars be more reliable? And why such a massive difference in the cost to maintain or repair (as evidenced by Volvo's own pricing of these plans)?
 
#10 ·
If anyone's interested, here's KBB's webpage on "5 year cost of ownership". Included is insurance costs ... but I assume that is for liability only? I suppose a well-designed repair warranty should add little to the cost-to-own figures. ?? This website is pretty depressing ... no matter the brand, transportation is surprisingly expensive! Too bad it can be so necessary.
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http://www.kbb.com/new-cars/5-year-cost-to-own-awards/best-brand/
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Sticker shock!
 
#11 · (Edited)
I decided to find out Acura's price for the equivalent 84/100K warranty for the MDX. $1,999 vs $4,044 for the Volvo XC90.

Over at the bimmerfest forum, most people are quoting variations of about $2.7K for 84/75K or $2.9K for 96/100K.

So it seems like Volvo is over 35% higher even than extending coverage on an X5, at least at current prices.
 
#47 ·
I decided to find out Acura's price for the equivalent 84/100K warranty for the MDX. $1,999 vs $4,044 for the Volvo XC90.
Very interesting quote. Where are you getting it? I received a 84 month/85K mile price from Volvo for our T8 (which Volvo said the price was the same for either the T6 or T8) which was very close to the quoted price above for the MDX. Did you check other Volvo sources, or just go with that one dealer. I would check with sources quoted elsewhere here on the board.
 
#12 ·
My experience with BMW extended warranties is that you can shop around and save a lot of money. There's usually a dealer mark-up, and you can purchase one from any dealer in the US. I found a dealer that was recommended on bimmerfest, who sold me my warranty for at least a $1000 less than what my local dealer was going to charge. Not sure if the same is true with Volvo.
 
#13 ·
This Volvo is similar, if not less expensive than the Audi extended warranties I've had.

We negotiated the 84/75K's we have to $2K each.
 
#18 ·
That price is in line with many other brands.....I don't think it says one thing about how a brand perceives the quality of their cars!!!!! Hogwash in my book. This is a similar price to any other AWD turbocharged Volvo car warranty that's been offered for a decade, and many of them are very reliable models.

Be VERY careful when you compare.....I think the numbers here are the MSRP listed by Volvo. What you can actually BUY it for is an entire other story. Some dealers are very aggressive and discount, while others do not. I bought an Volvo warranty for my S60R from a dealer 1,500 miles away from me because it was dirt cheap. I also bought an extended warranty for my 2013 S60 T5 AWD from Volvo for $3,000. Quite reasonable if you ask me compared to other cars in this class.

Quoting the MSRP for a new XC90 VIP contract doesn't really tell me much if you ask me....and it certainly doesn't indicate reliability.
 
#21 ·
I got an 84/100,000 for my wife's Odyssey for about $600. The equivalent for the XC90 is $4,044. 84/75,000 is $3,172.
I have an Odyssey EX-L and purchased the same (Honda Care) extended warranty in 2009. I shopped around and got it through a friend's dealer for what I think was around $1,200.00. That was materially lower than what the original dealer was trying to sell it to me for. So my question is did you shop around/haggle/buy from that guy on the OdyClub boards or did you actually just happen upon that price with the same dealer you purchased from? If the latter then good for you for getting a smoking deal, but I suspect you were a bit more shrewd than asking the original dealership (which is effectively what you did here). Just a thought...but then again my Odyssey only cost $27k in 2009, so the warranty should have been cheaper.
 
#23 · (Edited)
FWIW: Back in August of 2014, the wife and I purchased a loaded 2014 Nissan Rogue SL (AWD) with all the extras. Given that it has a new generation Nissan CVT and lots of electronic widgets, I wanted an extended warranty (no maintenance plan - I do all that myself, only wanted a warranty) and I purchased a 10yr/120K miles bumper-to-bumper full warranty ($100 deductible, CNA National Warranty Program - "Factory Wrap+Plus Preferred") for a negotiated price of $1,288 from the Nissan dealer. Very cheap "piece of mind" in my opinion.
 
#24 ·
FWIW: Back in August of 2014, the wife and I purchased a loaded 2014 Nissan Rogue SL (AWD) with all the extras. Given that it has a new generation Nissan CVT and lots of electronic widgets, I wanted an extended warranty (no maintenance plan - I do all that myself, only wanted a warranty) and I purchased a 10yr/120K miles bumper-to-bumper full warranty ($100 deductible, CNA National Warranty Program - "Factory Wrap+Plus Preferred") for a negotiated price of $1,288 from the Nissan dealer. Very cheap "piece of mind" in my opinion.
Because it is aftermarket.
 
#31 ·
1) BMW forums are great marker. Usually the BMW-backed warranties are about the same as what the OP mentioned. Lets face it here, Volvo is moving upmarket into the luxury realm, can we really compare a Honda Odi or a toyo Sienna. They have solid engines and transmissions since they never change. The engine families for the honda has been the venerable V6 for ages. Most if not all components have seen more then a decade of real world testing. Volvo is riding on a new platform, new engine family, asin transmission, and plenty of sensors and ecus.....not saying they are not reliable, but this is the first iteration of the components.

2) Always make sure you get the contract from whoever provides the warranty. Aftermarket warranties have a bad rep for what is covered and what can be classified as "wear and tear". However nowdays even Factory warranties are coming into that dark grey area. Make sure you get the actual contract (its a long small font paper) and not some brochure that says the warranty will cover everything and you will have a hassle free experience. Make sure big ticket items such as the Sensus or Instrument cluster is explicitly covered. Verify the parts they will use will be OE, no OEM or aftermarket nonsense.
 
#32 ·
CNA has a good warranty from a good company
 
#33 ·
My dealer told me they only recommend aftermarket warranties! They go with Zurich and the warranties they carry are better priced than Volvo's as well. The dealer said that they have offered both warranties in the past but returning clients seemed to be much happier with Zurich's policy. I found this to be quite interesting that the dealer would actually move away from Volvo's warranty. This is a dedicated Volvo dealership ( not combined with other automotive brands such as Mercedes etc...)
 
#43 ·
here's some information on the Route 66 from the BMW forums, appears to be a viable option. Personally I have no experience with them.

http://www.bimmerfest.com/forums/showthread.php?t=814938&highlight=route66

http://www.bimmerfest.com/forums/showthread.php?t=564402
Thanks for the links. Positive reviews of Route 66 on the BMW threads. To GrecianVolvo's point will need to investigate and better understand what is covered and how. Good point on OEM parts. Also, want to understand other warranty options. I tend to own my vehicles a long time so an extended warranty helps give me a piece of mind. This is my first Volvo purchase - I have owned mostly Toyota and Lexus vehicles in the past which I had good luck and no problems. Even if I were to buy another Lexus or Toyota I would probably opt for an extended warranty.
 
#44 ·
I would echo what Grecian says. Third party warranties can be resold to other parties, policies change, etc. They can tell you where to get it repaired to get coverage and they can dictate the parts used. The official Volvo extended warranty plans are valid at any Volvo dealer and will always mandate use of Volvo genuine parts.


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#46 ·
Try to see if you can add MBI (Mechanical Breakdown Insurance) from your current Auto insurance provider. I have been quoted 7 yrs /100,000 with just minimal amount to my premium and basically covers everything except normal wear/tear. (Bumper to Bumper).
 
#48 ·
i asked this on the other thread, but maybe this one makes more sense.

So FSM (which is 5 year 55,000 mile maintenance and covers all consumables other than Tires) vs the 3 yr current coverage which will not cover rotors, pads, wipers, etc etc = $2200. (Of which if you do 1 full brake job would equal that $2200 - ish. let's just say $1300.

You can even buy 7 and 10 year FSM programs right?

HOWEVER, FSM can only be purchased with the vehicle and not after a purchase date (so essentially it can only be purchased at the dealership you are buying from. (is how i was told).



The VIP program is more like an insurance cushion and cover anything that is not covered under Factory Warranty for "X" years with a small deductible but guarantees Volvo OEM parts. - this can be purchased whenever, but varies in cost depending on how much wear and tear is already on the car.


Do i have this right? Seems very convoluted, as my Audi was just one Audi Care package with difference coverage levels. I don't like the way this is set up, when I had the XC60, the built in 5 year Safe and Secure was awesome.
 
#49 · (Edited)
I've had claims on both aftermarket and factory extended warrantees.

The aftermarket warrantees were patchy at best. Some covered no problem, others covered but insisted on the work being done at their preferred garages (some dealers and some not) and had a rep with the shops for being sticklers. That meant days waiting to see what they would cover, and pro-rating of things they claimed were sort-of-covered, like a blown head gasket. It was okay and less expensive than paying for the repairs, but the hassle was insane. And, I personally have major issues with aftermarket companies now that I have a car that just went off its OEM warrantee, for the simple reason that I got at least five calls a week, as well as junk mail, claiming to be from the manufacturer (Mercedes) trying to scare me into their warrantees. Mercedes had nothing to do with it, the companies had bought list of cars and when they were registered. Just feels shady to me, and I have no desire to support companies that saw fit to use that sort of approach.

So, I'm pretty much all OEM now. Yup, their warrantees may be a bit more expensive. Bought our VIP on the T8 as recommended here. Price was very good. Bought extended on the MB from Mercedes. Conversation goes like this: "car needs XX, will cost YY...oh, but wait, we'll just put in a claim for you."

Last factor for me is travel and dealerships. If you travel, coverage in a network that in theory knows your car is a big deal. We had work on our MB in a different part of the country, free of charge, on warrantee that they saw in their system when they entered the VIN. Volvo's goes one step further and covers Canada, too, which for us is a plus. And bear in mind -- even if your dealer recommends an aftermarket warrantee -- what if the dealer changes, or goes away, or you move?

Because of the above, I'm fine with an extra chunk for a factory warrantee. I'm also looking forward to the calls from all the aftermarket folks in about 44 months!
 
#52 ·
Extended Waranty Refund if Vehicle Lost

If you purchase the Volvo extended Waranty plan for say eight years, and then your XC90 is lost (totaled in accident, stolen, etc.), do you get a prorated refund or are you out the cost of the plan?
 
#53 ·
If you purchase the Volvo extended Waranty plan for say eight years, and then your XC90 is lost (totaled in accident, stolen, etc.), do you get a prorated refund or are you out the cost of the plan?
I'm interested in the answer to this, as well. Also, if you sell the vehicle before the plan expires, is the remainder transferable to the new owner?
 
#55 ·
is there a way to see what plans were added? When i went to make the purchase, i told them what Steingold would approx quote me for VIPP 8yr/100k and 5 year wear and tear. He undercut and offered it to me for a really low price (nearly 1000 more off).


So my car supposedly has Protection Plus Plan (windshield, tires, rims), VIPP 8yr 100k, and 5 year FSM Wear and Tear.


but they said it would take a few weeks for me to get my paperwork. Is there a way to check before then?
 
#58 ·
#60 ·
You can buy FSM from the service dept at any time at whatever the rate currently is. What they mean is that by buying at the start you are locking in the lowest possible price.

If you have an independent you trust it would probably be cheaper to go that route after the free services.


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