Adding to what others have said,
"
Suspect requires new engine" - I'd like more than a suspicion before spending £9000 (or even £4.5). But they may have more information that what was shared as I would think Volvo would want some conclusive evidence before agreeing to spend £4.5k.
Secondly, see link below, which might be of interest, for a Volvo with a catastrophic engine failure at 3years and 4 days old, and therefore out of warranty. 30K miles. Volvo originally offered 50%, went to 80% and finally up to 100%.
Not identical circumstances, but similar enough to be of interest, I would have thought.
https://singletrackworld.com/forum/t...oughts-please/