Not sure how much you're owed on your SWBC GAP contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel SWBC GAP?
Yes. SWBC GAP 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 (GAP claims): (866) 270-3672 ext. 1
Email: gapclaims@swbc.org
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. SWBC GAP 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 SWBC GAP directly at (866) 270-3672 ext. 1. Dealers earn commission on these products and sometimes delay cancellations.
Final step — Track the refund. Processing time varies. If your loan is active, the refund is generally applied to your loan balance.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 GAP addendum's free-look terms). After that, your refund is partial refund for the unused portion, less a cancellation fee.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If your loan is active, the refund is generally applied to your loan balance.
Estimate your exact figure first
Use the free refund calculator — no paperwork needed.
Provider-specific tips
- If you haven't made a GAP claim and no longer need coverage (e.g., after payoff or refinance), return to your selling auto dealer for the cancellation process; you're entitled to a partial refund less a cancellation fee.
- For GAP claims questions, SWBC is reachable at gapclaims@swbc.org or (866) 270-3672 ext. 1.
What reduces your refund
- Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
- Cancellation fee. SWBC GAP charges a cancellation 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 SWBC GAP?
Return to your selling auto dealer for cancellation instructions. You may be owed a partial refund for the unused portion.
Is the SWBC GAP refund full or partial?
Partial — prorated for the unused portion, less a cancellation fee, assuming no claim was filed.
We'll handle the cancellation for you
We identify your SWBC GAP contract, submit the paperwork, and follow up until the refund is issued.
Sources: SWBC GAP