FAQ - Personal Contract Purchase

If you have a fully electric car, the Volvo Car Service Plan Plus is included in your monthly payment and is valid for 3 years or 60,000 miles, whichever occurs first.
For all other cars, there is no service plan included in the monthly payment. Instead you will have the option to add this to your order.

The Volvo Car Service Plan consists of Volvo Car Genuine Service which means the maintenance service work (which includes labour cost and material) is performed on your car in accordance with Volvo Car’s recommendations. This includes functionality and safety checks of limited wear & tear components, as well as actions performed at specified service intervals.
More information about the Volvo Car Genuine Service can be found in the owner’s manual and service & warranty handbook of your car.

Everything that is included in the Volvo Car Service Plan, but also specified wear & tear items such as brake pads, brake discs and wiper blades. Note that wear & tear repairs are at all times subject to the professional judgement of the Volvo Car service provider performing the service.

The service plans do not include any repair work, spare parts or consumables necessary to maintain the roadworthiness of your car (whether determined as a result of the maintenance services or otherwise), or any other work you agree to be carried out with the Volvo Car service provider. Fluids like AdBlue, washer fluid and coolant are also excluded.

You can see the duration of your service plan under the subscription tab in Volvo Cars app (after delivery), or by looking at the order confirmation.
Note that the duration of the service plan is affected by your annual mileage. If the annual mileage is higher than the service interval for mileage per year, this will result in servicing dates being sooner than expected and will reduce the duration of the plan.

Yes, if you would like to add a service plan after an order has been placed, please contact your local Volvo Specialist and they will be able to support. We advise purchasing one when you receive your vehicle in order to qualify for the service plan packages.

The need for service is dependent on time and annual mileage and can therefore occur with different time intervals. For non-electric cars, the interval is every year or 18,000 miles, whichever comes first. For electric cars, the interval is every second year or 18,000 miles, whichever comes first.

We always recommend that you visit a Volvo Specialist to have your vehicle serviced according to Volvo recommendations. Services can be performed outside the Volvo network as long as the service is performed in accordance with the Volvo Car Service Programme. If you have a Service Plan, then work must be performed at a Volvo Car service provider. 
Details of service can be found in the car’s service and warranty handbook. For further information please review the Warranty T&Cs here.

No, our service plans cannot be terminated and will remain with the car for the duration period.

All servicing must be carried out by a Volvo Car service provider in the United Kingdom. When you book your service with your Volvo Specialist, you must let them know that you have a Volvo Car Service Plan.

When your vehicle is due a service, our Customer Relation Centre will contact you in good time. They will provide you with the contact information for a local Volvo Car service provider. Then you simply call the service provider to arrange a time that suits your schedule. You can also book your appointment using the digital service booking tool at https://www.volvocars.com/uk/service-booking

All new cars come with a selection of services. Warranty is valid for 3 years, while the Volvo Cars app is included for 4 years. Our digital services pack is free for 4 years, while Roadside assistance is included for 3 years. In addition, if you purchase a fully electric vehicle, you will receive a plugsurfing card.

All accessories come with a 3 year warranty if purchased online in connection with your Personal Contract Purchase (PCP).

Please visit your local retailer who will be able to manage the warranty return.

For the first 7 days of your Personal Contract Purchase (PCP), we offer optional free Driveaway insurance (subject to meeting our eligibility criteria). After that, you are responsible for obtaining your own insurance coverage by either choosing to continue with our fully flexible monthly Volvo Car Insurance or your own cover.
The cost of Volvo insurance varies depending on several factors such as the vehicle you choose, your age, driving experience and where the vehicle is to be kept. You can obtain an indicative quote by filling out your details online at: volvocarinsurance.co.uk

With all new Personal Contract Purchase (PCP) contracts, we offer free Driveaway insurance up to 7 days of comprehensive cover, which means you don’t need to worry about insurance hassle. Just fill in your details and activate your policy, collect your car upon delivery, and drive away safely.
Whilst activating Driveaway cover, you will be presented with a quote for the fully flexible monthly Volvo Car Insurance that you can choose to purchase when your free Driveaway cover has ended. If you accept your quote for Volvo Car Insurance, you will pay for the first month upon registering and monthly thereafter.
You are always responsible for making sure that your car is covered by fully comprehensive insurance, whether it’s using our free Driveaway insurance, or accepting the flexible Volvo Car Insurance subscription, or if you instead prefer to arrange your own fully comprehensive insurance.
You must insure the vehicle continuously from and including the date of delivery for the replacement value and on a fully comprehensive basis; insure yourself and any authorised driver(s) against any claims for death, injury, loss or damage caused by the vehicle or its use; pay all insurance premiums on time; show us the certificate of insurance and premium receipt on request; and notify us of any loss, theft or damage to the vehicle and of any insurance claim made in respect of the vehicle. 
Further details can be found at https://www.volvocars.com/uk/car-finance/volvo-car-insurance

Prior to collection of your new Volvo, you will be provided with a link to the online Driveaway activation page. Once you’ve answered some questions about you, your Volvo and your driving history, you will be able to activate your cover online. It’s simple to set up and can be completed in just a few minutes.

Volvo Car Insurance guarantees the use of Volvo-approved bodyshops and genuine Volvo parts, in addition to a range of market-leading benefits. You have the flexibility to make changes, renew and cancel without charges. Your price is also guaranteed for 12 months.

Yes. We understand that some of our customers might not want to utilise Volvo Driveaway insurance and instead would prefer to arrange their own comprehensive insurance, valid from the day the car is being collected until the end of the contract.
If arranging your own fully comprehensive insurance, you must make sure that your own comprehensive insurance covers:

• Accidental damages (i.e. if your car is damaged by accident, vandalism or malicious damage, including standard accessories on it).
• Damages to windscreen and windows (including possible glass sunroof).
• Fire & theft damages (If your car is lost or damaged by fire, lightning, explosion, theft or attempted theft, including standard accessories on it).
• Third Party Liability insurance (i.e. damages to other vehicles, damages to property and injury to other people or animals).
• Misfuelling cover (at least compensation for draining and cleaning the fuel tank at the filling station, or after being towed to a repairer).
• Courtesy car (temporary replacement car in case of loss or insurance damage repair).
• You must be the main policy holder of the insurance.
• The policy must start on or before the delivery date of your car. 
• Your insurance provider must be an authorised provider of motor insurance in the UK (i.e. approved by the FCA).
• If you take your car abroad, you must make sure the insurance includes foreign comprehensive cover.
  Volvo Assistance (Roadside assistance and emergency assistance) is included for three years 24/7. Consequently, the features included in Volvo Assistance are not required to be included in the insurance cover for the UK or abroad.
  Please refer to the Insurance section of the Terms and Conditions of your finance agreement for the requirements in relation to insurance.

Yes. However you would need to ensure that your own insurance meets our requirements listed in the question “Can I use my own insurance with my Personal Contract Purchase (PCP)?“

Driveaway insurance is offered to customers buying or leasing a new Volvo or buying a Selekt approved used Volvo, who meet the eligibility requirements. Some of these requirements include: drivers must be aged 19-85, hold a full UK or EU driving licence for minimum 12 months, and have a maximum 3 fault claims & 3 minor driving convictions in the past 5 years. 
For complete eligibility criteria please visit www.volvocarsinsurance.co.uk/driveaway

Yes, and you may be eligible to obtain an individual quote for the flexible monthly Volvo Car Insurance instead, for which you can register at www.volvocarsinsurance.co.uk. You can use your own insurance. However you would need to ensure that your insurance meets our requirements listed in the question “Can I use my own insurance with my Personal Contract Purchase (PCP)?“

Insurance cost is personalised and depends on various factors such as car specification, driver age, claims history, driving licence penalty points, or if you require additional drivers or not. We offer free Volvo Driveaway insurance cover for up to 7 days with all our car finance options. 
If you register for our Free Driveaway insurance, you will be quoted individually for a fully flexible monthly (from day 8 and onwards) comprehensive insurance suitable for your car. You can also use your own insurance. However, you would need to ensure that it meets our requirements listed in the question “Can I use my own insurance with my Personal Contract Purchase (PCP)?“

The insurance excess is the amount you will be required to pay when you make a claim on your insurance policy. In other words, it’s the amount you agree to contribute towards the cost of a claim, for example if you have caused damage to the car (i.e. your own risk).
The excess payable depends on your selection in the Volvo Car Insurance policy as well as some other factors such as age and driving experience level.
The excess amount (your own risk in case of causing damage) should be maximum £1,200 per damage incident.

Please press the assist button in your car to connect directly to our Customer Relation Centre. They will organise help and ensure that you are mobile again as soon as possible.

In the case of any kind of accident or damage, report it without delay in accordance with your insurance provider’s requirements and ensure that such damage is repaired at a Volvo Cars authorised workshop. In the event of a break-in, theft or collision, please contact and consult with the police without delay. General guidelines for the UK can be found here.
If you have Volvo Car Insurance, click here for further details on how you can submit your claim to the insurance provider.

In the event you experience a puncture that cannot be repaired, your Personal Contract Purchase (PCP) agreement does not cover the cost of replacement tyres.
VCUK uses the BVRLA guidelines when it comes to fair wear & tear.
In relation to tyres, the BVRLA guidelines explain that all tyres must meet the minimum UK legal requirements and comply with the vehicle manufacturers’ recommendations. For tyres to be considered within the fair wear & tear guidance contained in the BVRLA guidelines, ‘there must be no damage to sidewalls and tread, scuffs under 50mm on the total circumference of the wheel’. Following the BVRLA guidelines of what is acceptable under fair wear & tear, the puncture of a tyre would not fall under this category.
Generally, a tyre can only be repaired if it is a small puncture (less than 6mm in diameter) and falls within the central ¾ of the tyre. Anywhere else is deemed unsafe as it is too close to the sidewall. Other factors to take into consideration are what the tyre was punctured with and the general condition of the tyre (when considering the British standard BSAU159 set regulations). If the tyre is showing any sidewall damage, if there is visible bead wire or the rubber is distorted and cracking, then the tyre cannot be safely repaired and will need replacing.

As part of our Volvo promise, we offer alternative transportation of choice. There may be an additional surcharge for the provided services.

Vehicles over £75k and selected other models will need a Thatcham approved tracking device fitted with an active subscription, such as the Vodafone Automotive VTS S5 which has been specially engineered for Volvo Cars UK. For further information, please click here or contact your local Volvo specialist.

Yes. You can make changes online 24/7 including updating your details and adding or removing cover. Any changes made are effective immediately and without any administration fees being charged.

Yes. You can cancel your cover online 24/7 without charge.

The key differences in cover between the free Driveaway insurance and Volvo Car Insurance are found here.

No. The new Volvo Car Insurance offering is a perpetual monthly subscription policy that you pay for on a monthly basis. But don’t worry, there are no additional costs for paying monthly and no interest charges.

You choose the term that suits you - either 24, 30, 36, 42 or 48 months.

Personal Contract Purchase (PCP) offers you the opportunity at the end of the contract term to purchase the car for a value set when you place the order (referred to as the Optional Final Payment). Either that or you simply return the car, or renew your contract and choose a new car. You choose the term you would like – either 24, 30, 36, 42 or 48 months. The longer you sign up, the less you pay. Making an optional deposit will lower your monthly payment.

Depending on your specified mileage within a flexible range and the number of services you would like to add, you can match your Personal Contract Purchase (PCP) to your driving in order to maximise value. You can choose your mileage within a range of 6,000 to 30,000 miles annually (maximum 100,000 miles in total), with mileage amounts in 1,000-mile increments.

Your monthly fee will be based on a number of variables:

1. Contract length: The total cost of the Personal Contract Purchase (PCP) is distributed equally over monthly payments until the end of the contract. The longer you agree to commit, the more months you have to distribute the total cost.
2. Deposit: If you choose to place a deposit towards your Personal Contract Purchase (PCP), it will lower the amount which needs to be financed. Hence the larger the deposit, less is required to finance – lowering the monthly fee!
3. Decrease annual mileage: Your chosen mileage impacts the Optional Final Payment (the residual value of the car) – more mileage, lower residual value. The better the residual value, the lower the monthly fee.

You can sign up for a Personal Contract Purchase (PCP) online anytime, anywhere.

1. Order your car: Choose the model, colour and trim that suits your lifestyle, from saloons to SUVs. Choose either a ready-to-deliver car with quick delivery, or customise your own.
2. Choose your contract term - either 24, 30, 36, 42 or 48 months. Simply fill in your details to confirm your I.D. and credit eligibility, then register for your Driveaway insurance. Your agreement can be tailored to suit your driving and personal needs. 
3. Pay a deposit of £500. You will receive a deposit payment request which is to be paid before car is handed over.
4. Get your car: Choose a Volvo Specialist for pickup or select home delivery and we’ll let you know when your model will be ready. If you agree to make a deposit, you will need to pay this before you receive your car.
5. Hit the road: Enjoy driving your Volvo!

Applying for a Personal Contract Purchase (PCP) online is straightforward, normally taking just a few minutes. However, we encourage you to take the time to read all important information carefully. Should you require support, we have our New Car Sales team available to discuss or explain. Their opening hours are:
Monday–Friday: 9 am–7 pm Saturday: 9 am–5 pm Sunday: 10 am–4 pm

Yes, it is entirely your choice whether you would rather sign up online yourself, or receive assistance from a Volvo Specialist and sign up for your Personal Contract Purchase (PCP) at one of our participating retailers.

Your contract period begins as soon as you receive your car.

Personal customer:
To be eligible, you must:

• Be at least 18 years of age
• Reside in the UK at point of delivery
• Hold a valid full driving licence
• Have a UK income paid in GBP
• Have a UK bank account
  

Proof of UK Address
You must be able to provide continuous UK address history for the last 3 years.
If you cannot provide this, we will consider your application if you are:

• On professional secondment to the UK.
• Returning from professional secondment outside of the UK.
• Professional athlete.
• Family member of any of the above.
  Please be aware that your finance contract period must not exceed the term of your VISA or right to reside in the UK.
  
  

Driving Licence
You must have a full, valid UK licence. Provisional licences may be accepted if you are borrowing less than £20,000.
If you do not hold a full, valid UK driving licence (or if the UK driving licence has expired), a UK passport may be accepted.
EU and EEA driving licences are accepted.

Please proceed with your application if you match the above criteria and, if your application is accepted, you will be required to provide the necessary documentation prior to the delivery of your vehicle.

Volvo Car Financial Services Limited is Volvo Cars’ chosen financial services provider. For more information, please visit www.vcfsuk.co.uk 

As part of the application process, Volvo Car Financial Services UK Ltd will perform a creditworthiness, affordability and identity-verification assessment.
The creditworthiness and affordability assessment are performed on your personal financial position. 
Volvo Car Financial Services UK Ltd use a third-party credit-reference agency, Experian, as part of our creditworthiness and affordability check. This process will involve a hard credit search and leave a footprint on your credit file showing that we have reviewed your credit report.
If you’d like an understanding about your credit file, or if you wish to obtain a copy, then please contact Experian. You can contact them via:
Telephone: 0800 013 8888 Website: www.experian.co.uk

Private customers
You will need to provide the following:

• Your full name, address and date of birth. 
• Number of dependents and living arrangements.
• Your personal sort code and bank account number details. This is where your monthly payments will be deducted from.
  

To give you the best chance of quick acceptance, you should:

• Ensure your address is accurate and up to date.
• Use your full legal name.
• Use a UK bank account which is registered in the same name as the applicant.
• If asked for proof of income, identity or banking details during the application process, provide all required information in the requested format within the requested timeframe.
• In some cases, we may ask you to provide additional documentation to substantiate the information provided. Examples of these requests could include the following:
• A copy of your driver's licence, passport or other documentation to prove your address: e.g. your most recent payslips, an employment contract, HMRC tax return, pension P60 or statement, or registered accountant letter.
  

Note: The documents listed above act as a guide only; it is not an exhaustive list. Volvo Car Financial Services UK Limited reserves the right to decline applications if applicants are unable to satisfy our lending criteria.

Volvo Car Financial Services UK Ltd works with the credit bureau Experian UK. The credit decision is based on our internal assessment, part of which takes into consideration the data provided to us by Experian. It is important to understand that the credit score itself is only one factor among many in the assessment of an application, and that our Customer Relations agents do not have access to the factors by which decisions are made.
To give us the best chance of accepting your order, you should:

• Register to vote. By being visible on the Electoral Register you will increase your chances of a lender confirming your identity electronically.
• Ensure your credit information is up-to-date and accurate.
• Check your credit score regularly and ensure it is as high as possible.
• Before you begin your application, if you have locked your Experian credit file, please make sure it is unlocked and remains so for the duration of your application and until the car has been delivered and the contract activated. If your credit file is locked, we will be unable to complete your finance application and you may need to start the process again.

One of the requirements set by our regulator (the Financial Conduct Authority) is for lenders to act responsibly. As a responsible lender, we have a duty to ensure that our agreement is affordable and fits into an applicant’s financial life comfortably.
The creditworthiness and affordability assessment for a private applicant determines if an applicant’s monthly disposable income can support the selected Personal Contract Purchase (PCP) product.
The monthly disposable income is calculated using a combination of the information provided by the applicant in their application, along with data provided by Experian. We assess all the information you provide within your application, any additional information you provide at our request, and all the information received from Experian to determine whether your monthly disposable income can support the selected monthly fee.

If the delivery of your order surpasses 180 days from your application date, we will complete two credit risk assessments. This is to ensure you remain eligible for our products according to Volvo Car Financial Services UK Limited's credit criteria; ultimately ensuring that we are providing credit responsibly.
The first credit assessment will be conducted at point of application, with the second shortly before handover. Both assessments will include hard credit searches that will leave a footprint on your credit report.
If the vehicle is delivered within 180 days of the original acceptance, there will be no requirement for the second credit risk assessment.
For private customers:  Apart from a deposit change, an additional credit search will be required if you change your order at any time, such as changing the contract length or the vehicle specification.

No, all payments must be made directly to Volvo Car UK Limited.

Your application may be referred for several reasons. For example, Volvo Car Financial Services UK Ltd may not have been able to verify your identity electronically. Referrals require a manual review by their underwriting department. As a responsible lender, Volvo Car Financial Services UK Ltd takes steps to ensure they continuously comply with the FCA’s requirements, and it is of equal importance to understand the customer’s financial position.
Volvo Car Financial Services UK Ltd underwriting team will contact you if they need any additional information or documentation from you to progress your order. For your vehicle to remain reserved, we ask that you provide your documents within the requested timeframe.

While we’d love to help all our applicants drive a Volvo, certain circumstances prevent us from progressing with some applications. Unfortunately, we are unable to provide individual feedback about why an application has been declined. This is because our specific lending criteria, and the information we receive from Experian about an applicant, is classed as being both commercially and personally sensitive data. We understand that this may be disappointing. However, we have a duty to act responsibly and adhere to regulatory guidelines as set out by the FCA.
As our Customer Relations team is unable to comment on the decision, you may wish to contact Experian instead to learn more about the information held by them. You can view their ‘Credit Refused Guide’ here, or contact them directly using the details provided:
Telephone: 0800 013 8888 Website: www.experian.co.uk

This will depend on how your company car allowance is administered. Where it is an increase on the monetary value paid to you directly, and any Personal Contract Purchase (PCP) agreement would be directly with you, we have no restrictions on receiving your application.

You can share your car with whoever you wish, as long as the person is named on an applicable comprehensive insurance policy. For avoidance of doubt, you are responsible for ensuring all drivers of your car comply with the terms. Holders of a provisional valid driving licence may use the car, provided that such driving takes place in a non-commercial setting.

You will select an annual mileage allowance when you order a Personal Contract Purchase (PCP). You will have the option to choose mileage between 6,000 and 30,000 miles/year with a maximum of 100,000 miles in total over the contract term. 
If you exceed your new total mileage at the end of the contract, you will be charged an excess mileage fee of 14.9 pence per mile. Please be aware that you will not receive a reimbursement for mileage you do not use.

You are allowed to enter and/or transit the vehicle to the following countries: Austria, Belgium, Bulgaria, Cyprus (applies only to areas under the control of the Republic of Cyprus), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Iceland, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Portugal, Poland, Romania, Slovak Republic, Spain, Sweden, Switzerland, United Kingdom. If you wish to travel to a country not listed, please contact our Customer Relation Centre in advance.
If you take your car abroad, please ensure you refer to the terms and conditions of your finance agreement. Whilst taking the vehicle abroad for a short period to go on holiday for example is likely to be acceptable, moving the vehicle abroad without prior written consent from Volvo Car Financial Services UK Ltd is not permitted.

Yes, you are allowed to carry animals in your vehicle. However you are liable for any damage they may cause (for example a rip in the material). On selected cars we offer a pet package that contains accessories that will help you transport your pets safely.

Yes, we offer different packages and a range of individual accessories that you can add to your car. Some you will pay for and keep (outright purchase). Other accessories will remain with the car, and these will be added to your monthly payment. If you wish to buy more accessories, these can be purchased directly from the retailer and will not be included in the lease.

You can add accessories that will remain with the car (packages and optional equipment) while configuring your car. During the next step in the order process (additional) you can add essential accessories that you will pay the full price for and own afterwards.
A summary of the above will be listed before you complete your online order, and will be classified and listed in the order confirmation email.

Yes. This means that the price you see is what you pay.

When you sign up for a Personal Contract Purchase (PCP), you will need to make a partial deposit online by credit/debit card. We accept Visa, Mastercard and American Express. If you choose to make an optional deposit, you will need to pay this via Bank Transfer before taking delivery of the car. These two payments will be deducted from the total amount to finance.
Other than the partial deposit and your optional deposit, you will make your monthly payment and any additional charges by Direct Debit. Volvo Cars Financial Services UK Ltd will request your bank details to set up the Direct Debit and send you a copy of the Direct Debit mandate for your records.
Please make sure to renew the mandate if your bank details have changed.

No, a MOT is not included. You will be responsible to ensure the MOT is carried out and paid for when it becomes due.

A partial deposit of £500 is required when you place the order. If you decide to cancel your order, this will be refunded to you. You can also place an optional deposit if you wish to do so. The partial deposit and optional deposit are taken off the total cost of the car with the remaining amount distributed equally over monthly payments until the end of the contract.

The first monthly payment will be charged one month after the contract is activated. Any additional charges or fines will be settled monthly in arrears (usually together with the payment for the upcoming month). If you wish to change the date for payment you can request this online, or contact Volvo Car Financial Services UK Customer Services:
Telephone: 0800 085 1541  Website: www.vcfsuk.co.uk/volvo/managing-your-agreement/

It depends on the accessory that you add to your car. If you have added accessories that you will own afterwards (eg.a child seat) then you will need to pay the total amount upfront (outright purchase). If you added accessories that will remain with the car after you return it (when mounted to the car e.g. running boards) then the amount will be added to the monthly fee. You will be charged in a monthly invoice for the upcoming months.

Please click here for the most up-to-date information on delivery times for all our car models.

You can collect your car from a preferred Volvo Specialist or choose to have it home delivered. Just let us know when replying to your welcome email if this is your preference.

Your ordered vehicle will either be delivered to your home location or to a Volvo Specialist of your choice. The selection of the delivery location will be made at the end of the ordering process, after the configuration of your desired vehicle.

In order for the Volvo Specialist to hand over the car, you must present your valid driving licence (and a utility bill issued within the last three months in the event your driving licence does not show your current residential address) and current signed passport. You will also need to provide your insurance details (either your own insurance documents or the Volvo insurance documents we sent you in advance). The same conditions apply for home delivery of your car.

Yes, the accessories will be delivered and fitted when the car is handed over to you.

For details, please visit www.vcfsuk.co.uk/volvo/frequently-asked-questions

When the agreed period of your Personal Contract Purchase (PCP) ends, you will have three options: 

1. make the Optional Final Payment set at the contract start and take full ownership of the car, 
2. part exchange your car for a new contract and car, or 
3. simply return the car with no additional cost (as long as kept within mileage and conditions according to T&Cs). 
   For more information, please visit www.vcfsuk.co.uk/volvo/end-of-agreement-options/

Yes, by making the Optional Final Payment.

No, you can't keep these accessories. However if you are interested in the product, you can buy it from your retailer.

If you are replacing your vehicle, please contact your retailer or customer care. If the vehicle is being collected directly by Volvo, please contact customer care.

No, you cannot cancel the subscription of an accessory without cancelling the car.