For what they cost, and considering the potential disaster, I'd agree that the cambelt should be changed at around three-quarters of it's theoretical service life. On my 97 V70 the published interval is 80K or 8 years. Mine was changed at 50-oddK and then again at 120k.
I got the work done by Volvo. It's much the same cost as an indy (£220 or so), and I reckon if it ever went bang there would be grounds for a claim on Volvo.
Got the auxiliary belt changed at the same time too. It has to come off anyway, and it's only a few bob!
Cheers
Jack
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