FAQ - Subscription

Your car subscription fee covers most of the costs of operating your vehicle; you only pay for consumables such as fuel, AdBlue, washer fluid and oil (if it needs to be refilled before the scheduled inspection), as well as fees for speeding, tolls, and parking. You will also need to cover the cost of insurance beyond the 7 day Driveaway cover you receive with your subscription. Your service plan applies during the length of your subscription. For full details, please see our “List of charges” in the customer Terms and Conditions, which you can download at the bottom of this page.

Wear & tear is expected, it’s just part of motoring! We therefore don’t charge for fair wear & tear. However, for excessive wear & tear in relation to the age and mileage of the vehicle you may be liable for necessary repair and maintenance costs to bring the car to a standard acceptable in accordance with the BVRLA Fair Wear & Tear Guide. For full details, please see BVRLA Fair Wear & Tear Guide here. Wear & tear coverage applies to all vehicles in Subscription. It covers fair wear & tear needs for all car parts, provided that the wear & tear is not due to improper use.

When your vehicle is due a service, our Customer Relation Centre will contact you in good time. They will also provide you with the contact information for a local Volvo service partner. Then you just simply call the service partner to arrange a time that suits your schedule.

The first 7 days of your subscription includes Volvo 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 Car 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 here.
Please note that insurance is not included for Fleet & Business Online customers. However, sole traders are eligible for insurance coverage if the insurance is registered in an individual’s name.

With our car subscription, 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, opting for Volvo Car Insurance, or if you instead prefer to arrange your own fully comprehensive insurance.
Further details can be found at https://www.volvocars.com/uk/car-finance/volvo-car-insurance

Yes. Although we strive for a smooth and hassle-free car subscription service, we understand that some of our customers might not want to utilise our free Driveaway insurance and instead wish to arrange their own fully comprehensive insurance, valid from the day the car is being collected and for as long as the car subscription is valid.
It is important that you understand and make sure you and your own insurance policy complies with all conditions related to insurance in the Volvo customer Terms and Conditions. If arranging your own fully comprehensive insurance, you must inform the insurer at the application stage that you are neither the owner or registered keeper of the car, and that in case of a total loss, your insurer must compensate UK Automotive Solutions Limited for its market value directly.
You must also make sure that your own fully 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) should be selected as if your subscription car is off the road. You will still be required to pay your monthly subscription payments.
• Your insurance cover must comply with Volvo authorised repairers/retailers being used for insurance related repairs of all lease cars, using only genuine manufacturer (OEM) parts. Exceptions may apply due to geographical circumstances in certain instances. However this requires prior approval by Volvo Car UK Limited.
• The main policy holder of the insurance must also be the registered lease customer.
• The policy must start on or before the delivery date of your car. You are at all times during your car lease responsible for making sure that your own insurance policy contains accurate information about the car, its ownership and drivers, such as licence plate number, car specification (e.g. engine type, equipment specification etc.), and the named drivers on the policy. You must also state that you are neither the owner or registered keeper of the car and that, in the case of a total loss, your insurer must compensate UK Automotive Solutions Limited of the car for its market value directly.
• The excess amount (your own risk in case of causing damage) should be maximum £1,200 per damage incident.
• Your insurance provider must be an authorised provider of motor insurance in the UK (i.e. approved by the FCA).
• If you take your lease car abroad, you must make sure the insurance includes foreign comprehensive cover (with exception of Roadside assistance).
  Volvo Assistance (Roadside assistance and emergency assistance) is included for all lease cars 24/7. Consequently, the features included in Volvo Assistance are not required to be included in the insurance cover for the UK or abroad.

Yes, but you would need to ensure that your own insurance meets our requirements listed in the question “Can I use my own insurance with my subscription car?“.

Yes, in order to activate the free Driveaway insurance, you must register via the activation link received in your email prior to collecting your car.

Driveaway insurance is available to customers choosing any of our car finance options, 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 at fault claims & 3 minor driving convictions in the past 5 years. For complete eligibility criteria please visit www.volvocarsinsurance.co.uk/driveaway
Please note that Fleet & Business Online customers are not eligible for any Volvo insurance products. However, sole proprietors are eligible for insurance coverage if the insurance is registered in an individual’s name.

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 subscription car?“

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 Driveaway insurance when you sign up to our subscription.
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 subscription car?“

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 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 subscription 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.
With your VCUK subscription, we include factory scheduled maintenance services recommended for your Volvo (according to your Warranty & Maintenance booklet) with each 10,000-mile interval, at no charge. This includes the wear & tear items: replacement wiper blades, brake pads, rotors and tyres - should they not meet a minimum tread depth. Punctures are not included in the VCUK subscription.
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.

We will provide you with a courtesy car when you reasonably need one, while your subscription car is being worked on at one of our authorised workshops. This only applies to workshop visits which have been approved by us in advance, or if we ask you to book your car into the workshop. Please let us know in advance if you require a courtesy car.

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.

All accessories come with a 3 year warranty if purchased online in connection with your subscription.

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

Subscription is a monthly car subscription with a maximum 5 year term. A fixed monthly payment covers most of the practicalities of driving. You also have the option to change the car or cancel at any time during the subscription period, with 3 months’ notice.

Our car subscription is an option if you want the latest Volvo yet like to keep your options open. A wide range of essential services are included for a fixed monthly payment. You choose which Volvo you would like, along with the mileage that you think most closely fits your needs. You can change your car or cancel your subscription anytime, with only 3 months’ notice.

You can subscribe 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. Start your subscription. Simply fill in your details to confirm your order and credit eligibility, then register for your 7 day Volvo Driveaway insurance.
   

3. 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.
   

4. Hit the road. Start driving your Volvo. With our car subscription, you can change your car or cancel with just 3 months’ notice period.

Subscribing online is quick, taking just a few minutes (provided there are no complications with your credit check). We encourage you to take the time to read all information carefully.

Yes, it is entirely your choice whether you would rather sign up online by yourself, or receive assistance from a Volvo Specialist and sign up in one of our participating retailers.

Your car subscription begins as soon as you receive your car.

Our car subscription offers you flexibility, with most operating costs covered. It includes service, maintenance and replacement tyres (when worn through normal use).
Your contract will run for 5 years. However, you will only need to give us 3 months’ notice if you would like to change your car or cancel your subscription.

To apply for a car subscription, you must:

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

Volvo Car UK Limited is working with an independent asset owning company called UK Automotive Solutions Limited (UKAS) that will be the owner and registered keeper of the cars for the Subscription and Lease (PCH/BCH) offers.
This means that UKAS hires the car to you under the Hire Agreement but will appoint Volvo as an agent to perform services on their behalf. 

As previously, our authorised Volvo retailers will be responsible for your customer experience and be your point of contact. However, you will notice the following when subscribing or leasing a Volvo:

1. The Terms & Conditions will be split into a Hire agreement with UKAS and Services agreement with Volvo – meaning that you as a customer need to accept two agreements when you sign up to a subscription or a lease.
2. The payments you make for a subscription or lease will be split between Volvo and UKAS, which will be displayed in check-out and on the invoices.

As part of the application process, Volvo Car UK Limited will perform a creditworthiness, affordability and identity-verification assessment. This assessment is performed in order to establish the status of your personal financial position.
We 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 and the information held within, then please feel free to contact Experian.
You can contact them via: Telephone: 0800 013 8888 Website: www.experian.co.uk

If the delivery of your order surpasses 90 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 UK Limited's credit criteria, ultimately ensuring that we are providing credit responsibly.
The first credit assessment will be conducted at the point of application, and this will be a hard credit search that will leave a footprint on your credit report.
The second credit assessment will be conducted shortly before handover, only if the delivery of your vehicle takes longer than 90 days from application submission. Rest assured, this will be a soft check that will not impact or leave a hard footprint on your credit report.

Private and Sole Trader applicants.
You will need to provide the following: 

• Your full name, address and date of birth. 
• Your personal gross annual income, number of dependents and living arrangements.
• Your personal sort code and bank account number details. This is where your monthly subscription 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 UK Limited reserves the right to decline applications if applicants are unable to satisfy our lending criteria.

Volvo Car UK Limited 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 subscription, 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. Please note that credit checks may incur a cost.

One of the requirements set by our regulator (the Financial Conduct Authority) is for lenders to act responsibly. As a responsible lender, we want to ensure that our subscription is affordable and fits into an applicant’s financial life comfortably.
Personal and Sole Trader applicants:
The affordability assessment for a private or sole trader applicant determines if an applicant’s monthly disposable income can support the selected subscription product.
The monthly disposable income is calculated using a combination of the information provided by the applicant in your 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 subscription fee.

Your application may be referred for several reasons. For example, we may not have been able to verify your identity electronically. Referrals require a manual review by our credit risk analysts. As a responsible lender, we want to take steps to ensure we continuously comply with the FCA’s requirements, and it is of equal importance that we understand our customer’s financial position.
Our 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 time frame.

While we’d love to help all our applicants drive a Volvo, certain circumstances can 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 assessment 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 wish 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’ via the link below, or contact them directly using the details provided:
https://www.experian.co.uk/consumer/guides/refused-credit.html
Telephone: 0800 013 8888 Website: www.experian.co.uk

Absolutely.

You can share your car with whoever you wish, as long as the person is named on an applicable fully comprehensive insurance policy. For avoidance of doubt, as the subscriber 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.

You will select an annual mileage allowance when you take out your subscription. You may request to change your mileage allowance at any time if you think you will exceed or fall short of your mileage allowance. If you change your mileage:
(i) Before the 25th of the month, your new mileage bucket will be adjusted in your next month’s subscription fee.  (ii) On or after the 25th of the month, your new mileage bucket will be adjusted in the following month’s subscription fee. 
A mileage change will recalculate your total mileage. Your new total mileage will be recalculated as the weighted sum of the selected mileage buckets throughout the duration of your contract (see examples below). If you exceed your new total mileage when you return or switch your subscription car, you will be charged an excess mileage fee of £0.20 per mile. Please be aware that you will not receive a reimbursement for mileage you do not use. 
Example 1: If you choose an annual mileage allowance of 6,000 miles (monthly average of 500 miles) and decide to return your car after six months and 15 days, your mileage allowance up to this point would be  (500 miles x 6.5 months) = 3,250 miles If you exceed 3,250 miles when returning your car, you will be charged for the excess mileage. 
Example 2:  If you choose an annual mileage bucket of 6,000 miles (500 miles/month) for the first 12 months, then upgrade to an annual bucket of 18,000 miles (1,500 miles/month) for 6 months, then downgrade to an annual bucket 12,000 miles (1,000 miles/month) for 18 months and then return your vehicle; your total allowed mileage at contract termination will be calculated as:  (500 miles x 12 months) + (1,500 miles x 6 months) + (1,000 miles x 18 months) = 33,000 miles
If you exceed 33,000 miles when returning your vehicle, you will be charged for the excess mileage.

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 subscription car abroad, you must make sure; the insurance includes foreign comprehensive cover, you have the required documentation and you have our written permission. Please provide a minimum of two weeks’ notice and send the following information in your request to volvo-support@volvocars.com
Vehicle registration mark: Your name: Date of travel from: Date of travel to: Additional driver’s name (if applicable): Your current address:

Yes, you are allowed to carry animals in your subscription 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. Please note that it is a legal requirement for certain animals to be secured in a vehicle when travelling.

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 subscription.

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.

Your subscription fee covers most of the costs of operating your vehicle; you only pay for consumables such as fuel, AdBlue, washer fluid and oil (if it needs to be refilled before the scheduled inspection), as well as fees for speeding, tolls, and parking. For full details, please see our “List of charges” in the Volvo customer Terms and Conditions.
Insurance also sits outside of your subscription fee. However, we do offer you 7-day comprehensive Driveaway insurance. The 7-day insurance is subject to acceptance criteria from the insurer and requires you to separately register for the trial insurance at volvocarsinsurance.co.uk – please see Insurance section below for more details.

For consumers (personal customers), all subscription prices displayed online are gross prices including VAT. This means that the price you see is what you pay. For business customers, net prices are quoted. VAT will be added afterwards.

When you sign up for a subscription, you will need to make a first monthly payment online by credit/debit card. We accept Visa, Mastercard and American Express.
This payment will be deducted from your first monthly invoice.
Other than your first monthly payment, you will pay your monthly subscription fees and any additional charges by Direct Debit. We 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, this will be included in your subscription!

No, this is included in your subscription, along with any work required to pass the MOT.

£0, no deposit required!

There is no sign-up fee as such. Once your order is confirmed, you will make your first monthly payment. This is then deducted from your next invoice on a pro-rated basis depending on when you take delivery of your car. Your subscription fee will always be paid one month in advance.

On the first working day of each month. Your subscription fee will always be paid one month in advance.

The first monthly payment will be deducted when your subscription order is confirmed. This payment is made in full. Any other partial month usage is debited on a pro-rated basis, depending on when you take delivery of the car.
You will pay the subscription fees monthly in advance on the first working day of each month. Most additional charges or fines will be settled monthly in arrears (usually together with the subscription fee for the upcoming month). If you take delivery of your car in the last few days of the month, please note that your first and second monthly payments will be taken at a later date.
Click here to view examples of invoicing periods and details.

When you sign up for a subscription, you will need to make a first monthly payment when submitting your order. This payment is equal to your normal monthly subscription fee. You will pay this online by credit/debit card.
When your order is approved, the payment will be deducted from your bank account. Prior to that, the amount will only be temporarily reserved in the account. 
The first monthly payment is then deducted from your next invoice on a pro-rated basis depending on when you take delivery of the car.

It depends on the accessory that you add to your car. If you have added accessories that you will own afterwards (e.g. 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 the BROWSE CARS link for the most up-to-date information on estimated delivery times for all our car models.

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

Your ordered subscription vehicle will be delivered to a Volvo retailer 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 retailer 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.

You can change your vehicle at any time with just 3 months’ notice. If you decide to switch, the same rules apply for your next car.
If you want to switch, just call or email our Customer Relation Centre. You will find the contact options here: https://www.volvocars.com/uk/car-finance/contact/

You can cancel your subscription at any time with just 3 months’ notice. If you want to cancel, just contact our Customer Relation Centre. Phone: 0800 0318065, Email: volvo-support@volvocars.com

Once you have given notice to our Customer Relation Centre that you wish to end your subscription, they will arrange an appointment for the return of the vehicle at your location. As part of the return process, an independent inspector will inspect the car with you, noting any excessive wear & tear in accordance with the BVRLA Fair Wear & Tear Guide and to log any missing items. Any identified costs will be invoiced to you within 4 weeks.
In case you are switching to another car, your Care by Volvo retailer will contact you in good time before the end of the contract to arrange your handover appointment and return of your current vehicle. As part of the return process, a preliminary inspection of the returned car will take place and any wear & tear on the vehicle will be documented in the return protocol. Afterwards the car will be inspected by our vehicle return centre and any charges will be identified. You will be given full information about such costs within 4 weeks after you return your car.
When the car reaches the end of the contract, please ensure the accessories are in the vehicle at the point of handover if the car is being collected from you. You may of course keep the accessories that belong to you. If it is a switch car, please return the accessories that are remaining with the car on its return to the retailer.

No, our subscription vehicles cannot be purchased at the end of the subscription.

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 Manheim Inspection Services, please contact customer care. If you have lost or are not able to bring it back to the retailer, you will be charged for the outstanding balance.

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