Not sure how much you're owed on your National Auto Care contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel National Auto Care?
Yes. National Auto Care contracts are cancellable, and what you get back depends on timing: a prorated refund for the unused portion, with a full refund possible during your contract's free-look window. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.
Contact information
Phone (customer service & cancellations): 1-800-747-4400
Alternate: 1-800-587-4603 (change/discontinue plan)
Mailing address:
National Auto Care
Attn: Cancellations
575 Westar Crossing
Westerville, OH
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 — Start with the selling dealer. National Auto Care contracts are normally cancelled through the dealership's finance department. Tell them you want to cancel and ask them to submit the request to the administrator. Get the request and date in writing.
Step 3 — Go direct if the dealer stalls. If the dealer drags their feet, contact National Auto Care directly at 1-800-747-4400. Dealers earn commission on these products and sometimes delay cancellations.
Final step — Track the refund. Processing time varies. If financed, the refund may be applied to your lienholder.Follow up if it doesn't arrive on schedule.
How much will you get back?
Check your contract's free-look window for full-refund eligibility (see your contract's free-look terms). After that, your refund is prorated by unused term, less the cancellation fee, and National Auto Care deducts a fee not exceeding 10% of the pro-rata refund or $45.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If financed, the refund may be applied to your lienholder.
Estimate your exact figure first
Use the free refund calculator — no paperwork needed.
Provider-specific tips
- Cancellation forms mail to National Auto Care, Attn: Cancellations, 575 Westar Crossing, Westerville, OH. Customer service is 1-800-747-4400.
- You can cancel at any time for a pro-rata refund less a cancellation fee capped at 10% of the refund or $45, whichever is less. Since the APCO acquisition, NAC support runs through EasyCare.
What reduces your refund
- Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
- Cancellation fee. National Auto Care charges a fee not exceeding 10% of the pro-rata refund or $45.
- Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.
Common questions
Is National Auto Care still operating?
Yes — NAC was acquired by APCO Holdings and merged with EasyCare. Contracts, claims, and support are handled through EasyCare, and existing NAC contracts remain valid.
What's the NAC cancellation fee?
A fee not exceeding 10% of the pro-rata refund or $45, whichever is less.
We'll handle the cancellation for you
We identify your National Auto Care contract, submit the paperwork, and follow up until the refund is issued.