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

Upload Purchase Agreement or F&I Contract

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Targeted Refund

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Shield Apps Legal Research Team

Statutory Compliance Analysts

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

Extended warranties, tire protection, paint sealant — most are cancellable for a pro-rata refund. Upload your paperwork and we'll identify what you can cancel.

Product Identification → Every F&I product on your contract

Refund Calculation → Pro-rata math, contract-aware

Cancellation Letter → Addressed to the right administrator

Upload Purchase Agreement or F&I Contract→ Find Cancellable Products

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Bank-Level Security

CA 1794.41 · TX 1304

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Upload Purchase Agreement or F&I Contract

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

Product Identification

Every F&I product on your contract

Refund Calculation

Pro-rata math, contract-aware

Cancellation Letter

Addressed to the right administrator

Regulatory Authority

Your F&I Products vs State Refund Rules

Cancellation

30–60 Day Window

Most states require a free-look window where you can cancel for a full refund — check your contract.

Free Look

Refund

Unused Portion

After the free-look window, refunds are typically calculated pro-rata on the unused term or mileage.

Pro-Rata

Statute

Capped Fees

Several states cap cancellation fees (e.g., CA: $25 or 10%, whichever is less).

Fee Caps

$1,000

Median F&I Refund

Recent Refunds

"Dealer kept saying the warranty was built into my financing and couldn't be touched. Sent a cancellation letter anyway and got $1,425 back on my loan balance."

— Birmingham, AL

"Phoenix heat doesn't justify a $2,500 paint protection plan. Cancelled it and got every dollar back within the free look window."

— Phoenix, AZ

"Cancelled the extended warranty eight months in. Pro-rata refund was $1,875 — way more than I expected."

— Ozark Region, AR

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