Can you cancel Toco Warranty?

Yes. Toco Warranty contracts are cancellable, and what you get back depends on timing: a full refund within the first 60 days (no claim 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)
(855) 298-8626
Email
info@tocowarranty.com
Mailing address
Toco Warranty7324 Southwest Freeway, Suite 1900Houston, TX 77074

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 (855) 298-8626 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 (info@tocowarranty.com) so you have a dated paper trail, and keep a copy.

Final step — Track the refund. Processing time varies. Toco bills monthly; refunds for prepaid amounts can be sent by check or returned by direct debit.Follow up if it doesn't arrive on schedule.

How much will you get back?

Cancel within the first 60 days (no claim filed) and you're typically owed a full refund. After that, your refund is prorated by unused term, less a $50 fee after 60 days, and Toco Warranty deducts $50 (after 60 days).

As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. Toco bills monthly; refunds for prepaid amounts can be sent by check or returned by direct debit.

Provider-specific tips

  • Toco currently does not charge a cancellation fee within the first 60 days; after that a $50 fee applies. The contract reserves the right to charge a fee.
  • When cancelling, you can request a refund check by mail; otherwise Toco defaults to returning the refund by direct debit to your account.

What reduces your refund

  • Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
  • Cancellation fee. Toco Warranty charges $50 (after 60 days).
  • 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 long is Toco's money-back window?

60 days from purchase for a full refund, provided no claim has been filed.

How is my Toco refund paid?

By check if you request it, otherwise by direct debit back to your account.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to Toco Warranty. Toco Warranty 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: Toco plan document (company address; contract requires a written request), NerdWallet: Toco completed Chapter 11 reorganization (June 2026), contracts unaffected, Toco Warranty FAQ, Toco contact