Both low beam head lights don't work on my 95 volvo 850. high beams will come on if I hold the switch in. fuses are good. is it a relay switch and if so how do I replace it?

FUSE PANEL LOCATION
The fuse panel is located in the engine compartment. A label on the inside of the cover lists the fuse amperage and circuits protected.
volvo 850 fuses fuse panel layout service repair manual
FUSE PANEL IDENTIFICATION
Fig. 1: Fuse Panel Identification
Courtesy of Volvo Cars of North America.
WARNING: Always disconnect battery ground cable before servicing "high-current fuses. It is recommended that "high-current" fuses be replaced by a qualified technician.
* 1 - 15 Amp
Fuel Injection, Distributor Ignition, Automatic Gearbox
* 2 - 15 Amp
Fuel Pump, Alarm System
* 3 - 10 Amp
Courtesy Lights, Oil Level Sensor
* 4 - Not Used (1993-95)
* 4 - 10 Amp (1996)
Electronic Start Inhibitor (Immobilizer)
* 5 - 30 Amp
ECC Blower (Speed 4)
* 6 - 25 Amp
Central Locking System, Alarm
* 7 - 15 Amp
Audio System (Amplifier)
* 8 - 25 Amp (1993-95)
Power Antenna, Trailer Connector
* 8 - 40 Amp (1996)
Electronic Start Inhibitor (Immobilizer)
* 9 - 30 Amp
ABS, Traction Control System
* 10 - Not Used (1993-95)
* 10 - 15 Amp (1996)
Heated Rear Seat (If Equipped)
* 11 - 30 Amp
Heated Rear Window & Side Mirrors
* 12 - 10 Amp
Brake Lights
* 13 - 15 Amp
Hazard Flashers, Headlight Flashers, Alarm
* 14 - 30 Amp
ABS, Traction Control System
* 15 - 10 Amp (1993-95)
Audio System, Courtesy Lights, Door Open Light, Trunk Light, Glove Box Light, Remote Control Central Locking System,
Oil Level Sensor, Seat Belt Reminder
* 15 - 10 Amp (1996)
Audio System, Courtesy Lights, Door Open Light, Trunk Light, Glove Box Light, Remote Control Central Locking System,
Oil Level Sensor, Seat Belt Reminder, Data Link Connector
* 16 - 30 Amp (1993-95) Accessories
* 16 - 30 Amp (1996)
Power Antenna, Trailer Connector, Accessories
* 17 - 10 Amp
Key Reminder
* 18 - 25 Amp (1993-95)
Heated Front Seats, Power Mirrors
* 18 - 15 Amp (1996) Front Fog Lamps
* 19 - 15 Amp
Left High Beam Headlight
* 20 - 15 Amp
Right High Beam Headlight, High Beam Indicator
* 21 - 15 Amp
Left Low Beam Headlight
* 22 - 15 Amp
Right Low Beam Headlight
* 23 - 10 Amp
Left Parking Light, License Light
* 24 - 10 Amp
Right Parking Light, Bulb Failure Warning Sensor
* 25 - 10 Amp
Rear Fog Lamps, Fog Lamp Indicator
* 26 - Not Used (1993-95)
* 26 - 25 Amp (1996)
Heated Front Seats, Power Mirrors
* 27 - 15 Amp
Back-Up Lights, Turn Signals
* 28 - 10 Amp
Cruise Control, Heated Rear Window, Seat Belt Reminder Light, Shiftlock, Bulb Failure Warning Sensor, Heated Rear Seat
* 29 - 15 Amp
ABS, Traction Control System
* 30 - 10 Amp
Cigarette Lighter
* 31 - 25 Amp
ECC, ECC Blower (Speeds 1-3)
* 32 - 10 Amp
Audio System, Remote Controlled Central Locking System
* 33 - 15 Amp (1993-95)
Power Seats, OBD Test Socket, Tailgate Washer/Wipe (Wagon)
* 33 - 15 Amp (1996)
Power Seats, Tailgate Washer/Wipe (Wagon)
* 34 - 25 Amp
Windshield Wiper/Washer, Horn, Headlight Washer/Wiper
* 35 - 10 Amp
Instrument Lights, Sun Roof, Traction Control System
* 36 - Not Used
* 37 - Circuit Breaker
Power Windows, Power Sun Roof
* 38 - Not Used
* 39 - Circuit Breaker
Drivers Power Seat
* 40 - Circuit Breaker
Passengers Power Seat
RELAY PANEL LOCATION
The relay panel is located at the left corner of the instrument panel.
i copied this off a volvo site Hope this helps

It shouldn't be the high/low beam switch, as that switches the high/low beam relays. One high beam relay supplies power for both sides, one for low beam, both sides. If you were to lose switch function or a relay, you would lose the high beams or the low beams, but not for just one side. It would be interesting to probe the fuses with a test light and see if you're getting power to and through them. If you are, the problem would be between the fuse box and the headlight, if your not getting power to the left head light fuses, the problem will be in the fuse box. Good luck!

low beam bulb quit

According to the wiring diagram, there is no relay involved.
The headlight switch provides the ground for the lights and they get power from a fuse for each side. So the high and low beam on one side is powered by the same fuse and the ground is thru the switch.
Could be the switch but chances are a wiring problem.

Defective headlight relay, Or loose wires going to head lights,

The high and low beam lights use the same power source, so if the low beams work the high beams have power.
There is a low and high beam relay controlled by the dimmer switch.
If the low beams work and the high beams don't, and the bulbs are good, check the dimmer switch and the high beam relay.

Well, the problem is that I dont know the reason, you should investigate. There could be issues with lamps (must get new) or electricity problems (must head to auto-service)

I'm not sure exactly what your problem is. When you "click" your lights to low beam, your high beams should not work. But if your low beams work when you "click" them on, but your high beams don't work when you "click" them on, you either have a blown fuse, bad relay or high beam elements burned out on both lamps. (Not so unusual) Possibly a bad "dimmer" stalk switch or bad wiring, too, but a little less likely.

if the fuses are good then you need to check for power and ground at the headlight plug that attaches to the headlight bulb if you have a good power and ground there and the connections are good then the bulbs are both no good.or if you can tell the bulbs are burnt out by looking at them then you don`t have to check powers and grounds.you also can directly feed power and ground to the bulb and check both the terminals for high beam and low beam as you cannot tell which is which by looking at the terminals

thare is a high beam relay and a low beam relay in the fuse box find the low beam relay and replace it. if this dont work its probabley the switch