Can you cancel Ally GAP?

Yes. Ally GAP contracts are cancellable, and what you get back depends on timing: a full refund within the first 60 days (no claims filed), and a prorated refund for the unused portion after that. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.

Contact information

Phone (Ally GAP cancellation)
1-800-631-5590
Mailing address
AllyP.O. Box 380901Bloomington, MN 55438

Step-by-step: how to cancel

Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).

Step 2 — Call to cancel. Call 1-800-631-5590 and state clearly that you want to cancel the contract — not pause or modify it. Have your contract number ready and ask for written confirmation of the cancellation date and refund amount.

Step 3 — Put it in writing. Follow up in writing so you have a dated paper trail, and keep a copy.

Final step — Track the refund. Processing typically takes 7–10 business days to process and mail. Ally pays GAP refunds directly to customers rather than through the dealer.Follow up if it doesn't arrive on schedule.

How much will you get back?

Cancel within the first 60 days (no claims filed) and you're typically owed a full refund. After that, your refund is prorated if after 60 days or a claim was filed.

As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. Ally pays GAP refunds directly to customers rather than through the dealer.

Provider-specific tips

  • Call Ally at 1-800-631-5590 to cancel your GAP addendum.
  • Full refund within 60 days with no claims; after that (or once a claim is filed) the refund is prorated, and an administrative fee may apply.

What reduces your refund

  • Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
  • Cancellation fee. Ally GAP charges an administrative fee may apply.
  • Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.

Common questions

How do I cancel Ally GAP?

Call Ally at 1-800-631-5590 to cancel your GAP addendum.

How long does an Ally GAP refund take?

About 7–10 business days to process and mail once approved.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to Ally GAP. Ally GAP and any related names and logos are the property of their respective owners, and are used here only to identify the company whose product you may want to cancel.

Sources: Ally GAP right-to-cancel notice (mailing address), Ally vehicle protection FAQs