Can you cancel Protect My Car?

Yes. Protect My Car contracts are cancellable, and what you get back depends on timing: a full refund within the first 30 days (free-look period), 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 / billing)
800-253-2850

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. Protect My Car processes cancellations via a written request/form. Request it from customer service or by calling 800-253-2850. 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 may reduce your loan balance.Follow up if it doesn't arrive on schedule.

How much will you get back?

Cancel within the first 30 days (free-look period) and you're typically owed a full refund. After that, your refund is prorated for unused coverage, less a $50 administrative fee, and Protect My Car deducts $50 administrative fee.

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

Provider-specific tips

  • Protect My Car appears to have stopped operating (BBB lists it as out of business; new sales stopped around 2025). Send your cancellation to the insurer or administrator named on your own contract, keep proof of mailing, and if a card is still being charged, dispute it with your bank. Florida's Division of Consumer Services can help if no one responds.
  • Call Protect My Car customer service at 800-253-2850 or use the customer portal to request cancellation.
  • A $50 administrative fee applies to cancellations after the free-look period.

What reduces your refund

  • Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
  • Cancellation fee. Protect My Car charges $50 administrative fee.
  • 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 Protect My Car?

Contact customer service at 800-253-2850, or use the Protect My Car customer portal.

Will I get all my money back?

Within the 30-day free-look period, yes. After that, a prorated refund less a $50 fee.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to Protect My Car. Protect My Car 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: Protect My Car, joinchargeback PMC guide