Can I cancel my extended warranty at any time?

Yes, you can cancel at any time. During the first 30-60 days (free look period), you receive a full refund. After that, you're entitled to a pro-rata refund minus a small cancellation fee (capped at $50 in Texas, $0 in Wisconsin and California).

How long does it take to get my refund?

Most states require providers to issue refunds within 30-60 days of receiving your cancellation request. Texas requires refunds within 46 days. If they miss the deadline, many states impose penalties.

What F&I products can I cancel?

You can typically cancel extended warranties, GAP insurance, tire and wheel protection, paint protection, key replacement coverage, and other dealer add-on products. Each has different refund terms based on your contract and state law.

Do I have to go through the dealer to cancel?

No. While some products require you to notify the dealer, most can be canceled directly with the product administrator. Our letters are addressed to the correct party based on your contract terms.

Dealer Refund

Free analysis · Letter $29 if you choose

Dealer Add-Ons You Didn't Want? Cancel Them. We'll Build the Response.

Extended warranties, tire protection, paint sealant — many are cancellable for a pro-rata refund, depending on your contract and state. Upload your paperwork and we'll identify what you may cancel.

Everything up to your result is free — no signup, no card.Personalized letter: one-time $29, only if you choose.

What your free check finds

Example

Extended Warranty (VSC)— APPEARS REFUNDABLE

Pro-rata refund per state F&I rules

$2,500

Tire & Wheel Protection— APPEARS REFUNDABLE

Cancellable per service-contract rules

$800

Paint & Fabric Sealant— CONTRACT CHECK NEEDED

Refundability limited once applied

$600

$3,900 in cancellations requested in this example

How it works

Free

Upload Purchase Agreement or F&I Contract

Upload your vehicle purchase agreement or individual F&I product contracts

Free

Product Identification

Every F&I product on your contract

Free

Refund Calculation

Pro-rata math, contract-aware

Optional · $29

Cancellation Letter

Addressed to the right administrator

What your letter checks — and the rules behind it

Trigger

Add-Ons You Didn't Want?

Your purchase contract lists them — upload it and we identify what appears cancellable and what conditions apply.

F&I Contract

Tier 1

Usually Cancellable

Extended warranties, GAP, and credit insurance — state F&I rules typically require a pro-rata refund of the unused portion.

VSC · GAP · Credit Insurance

Tier 2–3

Conditional or Limited

Tire & wheel, key, and maintenance usually cancel per contract terms. Etch, sealant, and nitrogen: once applied, refunds are limited — we tell you that honestly.

Service Contracts · Applied Products

Windows & Fees

Cancellation Rules

Full-refund windows in most states, caps on cancellation fees, and how claim history affects the refund.

Free Look · Fee Caps

Scope

What Else We Check

Financed products refund against your loan balance — the letter directs it; every product on the contract is checked, not just the big ones.

Financed Add-Ons

Math

Refund Math Shown

Per-product pro-rata calculations, spelled out in the letter.

Price × Unused ÷ Term

Reviewed by

Shield Apps Legal Research Team

Statutory Compliance Analysts

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Free analysis · Letter $29 if you choose