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Most drivers don't realize their auto protection products are cancellable and refundable. These guides show you exactly what to look for, what to request, and how to collect.
Check My Refund — FreeHow to Cancel GAP Insurance and Get a Refund
Step-by-step guide to canceling your GAP coverage and reclaiming unused premiums — whether you've paid off, traded in, or refinanced your vehicle.
7 min readGAP Insurance Refund: What You're Owed and How to Claim It
Everything you need to know about GAP refunds — who qualifies, how much you can expect, and exactly what to send your lender.
6 min readHow to Get a GAP Insurance Refund After Paying Off Your Car
Paying off your loan early is a win — but there's likely unused GAP coverage sitting unclaimed. Here's how to get it back.
5 min readGAP Insurance Refund After a Total Loss: What Actually Happens
After your car is totaled, GAP pays the difference — but you may still be owed money back on other add-ons. Learn what to claim.
5 min readHow to Cancel an Extended Warranty at the Dealership (Step by Step)
Dealers don't love it when you cancel — but they're required to honor your request. Here's exactly what to say, what documents to get, and what to do when they stall.
8 min readExtended Warranty Refund: How to Cancel and Get Your Money Back
Most vehicle service contracts are cancellable and pro-rated. Here's how to identify what you paid, calculate your refund, and submit the claim.
7 min readWhy Your Extended Warranty Refund Went to Your Lender
Canceled your warranty but got no check? If it was financed, the refund reduces your loan balance — not your bank account. Here's why that's correct and how to verify it.
6 min readThe 30-Day Cancellation Window: What It Is and How to Use It
Most dealer add-on contracts give you 30 days to cancel for a full refund. Almost no one mentions this at signing — but it's right there in your contract.
6 min readDealer Won't Cancel My Extended Warranty — Here's What To Do
Dealers stall cancellations on purpose. The longer your contract stays active, the more of their commission they keep. Here's your escalation path.
7 min readPro-Rated Extended Warranty Refund: How Much Will You Get Back?
The math often surprises people — even late cancellations return real money. Here's how pro-rated refunds are calculated and what reduces your amount.
6 min readExtended Warranty vs. Vehicle Service Contract: What's the Difference?
These terms are used interchangeably, but they describe legally different products. Knowing which one you have determines your cancellation rights.
6 min readCancel an Extended Warranty by Mail: A Step-by-Step Letter Template
A written cancellation request is your paper trail. Use this copy-paste letter template to formally request cancellation and create a dated record.
7 min readYou Totaled Your Car — Here's What Refunds You're Owed
Most people focus on the insurance settlement. But a pro-rated extended warranty refund is almost always left on the table after a total loss.
6 min readWhich Dealer Add-Ons Are Refundable (And Which Aren't)
Extended warranties and GAP are almost always refundable. Paint protection and etching usually aren't. Here's the full breakdown of every common product.
7 min readDealer Add-On Refunds: The Complete Guide to Ancillary Products
Tire & wheel, paint protection, key replacement, dent protection — these products are usually refundable. Find out which ones you have and how to cancel them.
8 min readHow to Read Your Car Finance Contract (and Find Hidden Refunds)
Retail installment contracts are dense and confusing by design. This guide walks you through every section so you know exactly what you signed — and what you can cancel.
9 min readRV Extended Warranties: What They Actually Cover (And What They Don't)
Most RV warranties cover appliances — not the structural and mechanical systems most likely to fail. Here's what's in and what's out before you buy or cancel.
8 min readCan I Cancel My RV Extended Warranty After Paying Off My RV?
Paying off your RV loan does not automatically cancel your warranty. Here's how to cancel separately, claim your refund, and avoid the mistake thousands of owners make.
6 min readRV and Boat Warranty Refunds: How to Claim Unused Coverage
RVs and boats carry the same add-on products as cars — GAP, extended warranties, protection plans — and you can cancel them too. Here's how.
6 min readDoes Anyone Cancel Boat Service Contracts? (Yes — Here's How)
Boat service contracts are cancellable and refundable — but almost nobody claims the unused premium. Here's what they cover, what they don't, and how to cancel.
6 min readHow to Cancel CarShield and Get a Refund
CarShield doesn't sell insurance — it markets vehicle service contracts administered by American Auto Shield. Like nearly every auto protection product, those contracts are cancellable, and if you cancel early you're typically owed a prorated refund for the months you didn't use.
6 min readHow to Cancel Endurance and Get a Refund
Endurance is a direct-to-consumer vehicle service contract provider. Its plans are cancellable at any time, with a full refund inside the first 30 days and a prorated refund after. The wrinkle that trips people up: Endurance requires a notarized cancellation form — skip that and your refund stalls.
6 min readHow to Cancel CARCHEX and Get a Refund
CARCHEX is a broker — it sells vehicle service contracts that are administered by third parties such as American Auto Shield or Royal. That means your cancellation goes to the administrator named on your contract, not necessarily to CARCHEX itself.
6 min readHow to Cancel Omega Auto Care and Get a Refund
Omega Auto Care sells vehicle service contracts directly to consumers. Plans can be cancelled at any time: a full refund of the agreement price within the first 30 days, and a prorated refund after that.
6 min readHow to Cancel Protect My Car and Get a Refund
Protect My Car offers vehicle service contracts and month-to-month protection plans. There's a 30-day free-look period for a full refund, and prorated refunds after that.
6 min readHow to Cancel Olive and Get a Refund
Olive (olive.com) sells extended car warranty coverage online, including month-to-month plans you can cancel at any time. There's a full refund within the first 30 days and a prorated refund after, with no cancellation fee listed.
6 min readHow to Cancel Toco Warranty and Get a Refund
Toco Warranty sells vehicle service contracts, typically on a monthly-pay basis. You can cancel any time, with a full refund within the first 60 days if no claim has been filed.
6 min readHow to Cancel autopom! and Get a Refund
autopom! brokers vehicle protection plans backed by established administrators. All plans are cancelable at any time for any reason — a full refund within the first 30 days (60 in some states) and a prorated refund after.
6 min readHow to Cancel Ford Protect (Ford ESP) and Get a Refund
Ford Protect (Ford's Extended Service Plan) is cancellable through your selling Ford dealer or the Ford Protect Administration Department. A full refund is available early; a prorated refund applies after.
6 min readHow to Cancel GM Protection Plan (GMPP) and Get a Refund
The GM Protection Plan (GMPP) covers Chevrolet, GMC, Buick, and Cadillac vehicles and can be cancelled by phone. A full refund is available within 60 days; a prorated refund applies after.
6 min readHow to Cancel Honda Care and Get a Refund
Honda Care is American Honda's extended service plan. You can cancel at any time through any authorized Honda dealer, or directly with Honda by phone. A full refund (less a small fee) is available within 60 days.
6 min readHow to Cancel Toyota Extra Care (VSA) and Get a Refund
The Toyota Vehicle Service Agreement (sold as Toyota Extra Care) is backed by Toyota Motor Insurance Services (TMIS). Cancel through your selling Toyota dealer, or by mailing a written request to TMIS.
6 min readHow to Cancel Mopar Vehicle Protection and Get a Refund
Mopar Vehicle Protection (and the FlexCare plan) covers Chrysler, Dodge, Jeep, Ram, and Fiat vehicles. Cancel through any dealer, or submit your request directly by email. A full refund is available within 60 days with no claims.
6 min readHow to Cancel a Safe-Guard Products Contract and Get a Refund
Safe-Guard Products International administers a wide range of dealer-sold F&I products — GAP, vehicle service contracts, tire & wheel, key replacement, and more. If a dealer added a product backed by Safe-Guard, you can cancel the unused portion for a prorated refund.
6 min readHow to Cancel a Fidelity Warranty Services Contract and Get a Refund
Fidelity Warranty Services (part of JM Family) administers vehicle service contracts and other F&I products, common at Southeast Toyota and many other dealers. Cancel through the selling dealership or Fidelity's online cancellation portal.
6 min readHow to Cancel a EFG Companies Contract and Get a Refund
EFG Companies (Enterprise Financial Group) administers dealer-sold vehicle service contracts, GAP, and motorist assistance plans. Cancel by completing EFG's cancellation request form and turning it in to your selling dealer with documentation.
6 min readHow to Cancel a JM&A Group Contract and Get a Refund
JM&A Group (Jim Moran & Associates) is one of the largest dealer F&I administrators, backing vehicle service contracts, GAP, prepaid maintenance, and tire & wheel coverage. Cancellations route through your selling dealer's finance department.
6 min readHow to Cancel a Zurich Contract and Get a Refund
Zurich (Universal Underwriters) administers dealer-sold GAP, vehicle service contracts, and ancillary protection products. Cancel through the selling dealer or directly with Zurich customer service.
6 min readHow to Cancel a EasyCare (APCO) Contract and Get a Refund
EasyCare, administered by APCO Holdings, is a long-running dealer F&I brand covering vehicle service contracts, GAP, maintenance, and ancillary products. You can cancel by mail, email, or phone.
6 min readHow to Cancel Ox Car Care and Get a Refund
Ox Car Care sells vehicle service contracts with a 30-day money-back guarantee. One thing to know up front: even the 'full' refund carries a $50 cancellation fee, and contracts are prorated after the first 30 days.
6 min readHow to Cancel Hyundai Protection Plan and Get a Refund
The Hyundai Protection Plan (vehicle service contract, GAP, and related products) is administered through Safe-Guard. Cancel through your selling Hyundai dealer or directly with the administrator. A full refund is available within 60 days.
6 min readHow to Cancel Kia Vehicle Protection and Get a Refund
Kia vehicle protection products (such as the Kia Distinction VSC) are cancelled through the original selling dealer. A full refund is available within 60 days with no claim; a prorated refund applies after.
6 min readHow to Cancel Nissan Security+Plus and Get a Refund
Nissan Security+Plus is Nissan's extended protection plan. Cancel through an authorized Nissan dealer with a signed cancellation request, or by written letter to the administrator. A full refund is available within 60 days.
6 min readHow to Cancel Subaru Added Security and Get a Refund
Subaru Added Security (Gold Plus and Classic plans) can be cancelled by phone — you provide the last eight digits of your VIN and they cancel and refund the balance. A full refund is available within 90 days with no claim.
6 min readHow to Cancel Acura Care and Get a Refund
Acura Care is American Honda's extended service plan for Acura vehicles. Cancel through your dealer or directly with Acura Care Client Services. A full (100%) refund is available within 60 days.
6 min readHow to Cancel a GWC Warranty Contract and Get a Refund
GWC Warranty (part of APCO Holdings) administers vehicle service contracts sold primarily through used-car dealers. A full refund is available within 30 days; cancellations on dealer-sold contracts go through the selling dealer.
6 min readHow to Cancel a IAS (Innovative Aftermarket Systems) Contract and Get a Refund
IAS (Innovative Aftermarket Systems), part of iA American Warranty Group, administers dealer-sold GAP, vehicle service contracts, and ancillary products. Cancellations route through your selling dealer or the administrator on your contract.
6 min readHow to Cancel a Portfolio Contract and Get a Refund
Portfolio (Portfolio Services Limited) administers dealer-sold vehicle service contracts, GAP, and ancillary products. Cancel by completing a cancellation form and returning it to the selling dealer or the administrator named on your contract.
6 min readHow to Cancel a Protective Asset Protection Contract and Get a Refund
Protective Asset Protection administers vehicle service contracts, GAP, and ancillary F&I products. Cancel by completing the cancellation form and returning it to the dealership where the contract was purchased.
6 min readHow to Cancel a National Auto Care Contract and Get a Refund
National Auto Care (NAC), now part of APCO Holdings, administers vehicle service contracts, GAP, maintenance, and ancillary products. Cancel through your original selling dealership; NAC contracts and support are now handled via EasyCare.
6 min readHow to Cancel a AUL Corp Contract and Get a Refund
AUL Corp administers dealer-sold vehicle service contracts. Submit the cancellation form by email or through your selling dealer; the refund is based on the unused portion of time or miles, whichever is less.
6 min readHow to Cancel a RoadVantage Contract and Get a Refund
RoadVantage administers dealer-sold GAP, vehicle service contracts, and ancillary products. Cancellations go through your selling dealer (or the online dealer portal), with a copy of your contract attached.
6 min readHow to Cancel a CNA National Contract and Get a Refund
CNA National Warranty Corporation (Scottsdale, AZ) administers dealer-sold vehicle service contracts and GAP. Cancellations are initiated through your issuing dealership, or directly with CNA National if the dealer can't help.
6 min readHow to Cancel a Assurant Vehicle Care Contract and Get a Refund
Assurant Vehicle Care (backed by The Warranty Group) administers GAP, vehicle service contracts, and ancillary products for dealers. Cancel through your original selling dealership; GAP carries an unconditional 30-day full-refund right.
6 min readHow to Cancel Allied Solutions and Get a Refund
Allied Solutions administers GAP and debt-protection products for credit unions and lenders (its RefundPlus program handles cancellations). Because Allied serves lenders rather than consumers, you cancel through the credit union that holds your loan.
6 min readHow to Cancel SWBC GAP and Get a Refund
SWBC administers GAP and debt-cancellation products sold with auto loans. If you didn't file a claim and no longer need the coverage, you may be owed a partial refund — cancel by returning to your selling auto dealer.
6 min readHow to Cancel Frost Financial Services and Get a Refund
Frost Financial Services is the largest independent GAP administrator in the credit-union market. Frost provides administrative services to lenders and does not sell GAP to consumers — so you cancel through your credit union.
6 min readHow to Cancel Ally GAP and Get a Refund
Ally administers its own GAP/debt-cancellation addendum. You can cancel directly by phone. A full refund is available within 60 days with no claims; Ally pays refunds directly to customers.
6 min readHow to Cancel a Smart AutoCare Contract and Get a Refund
Smart AutoCare (a Fortegra company) administers dealer-sold vehicle service contracts. Cancel through your selling dealer with a copy of the contract, a signed request or cancellation form, and a mileage affidavit.
6 min readHow to Cancel State National GAP and Get a Refund
State National underwrites GAP sold through credit unions and lenders. Because it's a lender-placed product, you cancel through the credit union that holds your loan — and the refund rules depend heavily on your state and program.
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