Now something to keep in mind is that pricing is never a direct translation between countries, so there will probably be a difference between the U.K. and U.S. pricing. It could be a fairly substantial change, too, since the most affordable T5 XC40 (a slightly higher trim R-Design, while the U.S. will have a more modest Momentum trim to start) costs almost $48,500, while America's entry-level XC40 T5 will cost just $35,200. That puts the American T5 at about 73 percent of the cost of the U.K. version. If we assume that American pricing for Care by Volvo is similarly less, the monthly cost would be about $623 per month, or nearly $7,500 a year.
That's certainly easier to stomach than $10,000 a year, but it's still not exactly cheap. And put into perspective, paying that much per month over two years would nearly equal half the base purchase price of the XC40. Then again, the Care by Volvo price doesn't just cover the cost of the car. It also covers maintenance and insurance. Whether or not that would make the plan financially better would come down to the individual, but some people might even be willing to spend a bit more just for the simplicity.