Can you cancel CARCHEX?

Yes. CARCHEX contracts are cancellable, and what you get back depends on timing: a full refund within the first 30 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 (customer service)
888-973-0758

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 — Complete the cancellation request form. CARCHEX processes cancellations via a written request/form. Request it from customer service or by calling 888-973-0758. Include the required documentation or the request won't be processed.

Step 3 — Submit and keep a paper trail. Send to the address on your contract. Send by a trackable method and keep a copy of everything.

Final step — Track the refund. Processing typically takes several weeks. If financed, the refund typically reduces your loan balance.Follow up if it doesn't arrive on schedule.

How much will you get back?

Cancel within the first 30 days (no claims filed) and you're typically owed a full refund. After that, your refund is prorated by time remaining on the contract.

As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If financed, the refund typically reduces your loan balance.

Provider-specific tips

  • Check your contract for the administrator's name and mailing address — that's where the cancellation request goes. CARCHEX customer service can tell you which administrator backs your plan.
  • Some CARCHEX contracts require a notarized odometer statement with the written cancellation request. Confirm before mailing.

What reduces your refund

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

Common questions

Who do I send my CARCHEX cancellation to?

The administrator named on your contract (often American Auto Shield or Royal), not CARCHEX directly. The address is in your contract documents.

Can I cancel CARCHEX for a full refund?

Within the first 30 days with no claims, yes. After that you receive a prorated refund for the unused term.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to CARCHEX. CARCHEX 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: CARCHEX customer support, coveragex cancellation guide