State Law Guide
Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.
Hawaii Extended Warranty Cancellation Guide
Under Hawaii Service Contracts Law, Hawaii gives you the right to cancel and receive refunds on F&I products. You have a 30 days (mailed) / 20 days (delivered at sale) free look period for full refunds. Dealers who fail to comply face A 10% per month penalty on free-look refunds not paid or credited within 45 days after the contract is returned (HRS § 481X-7(b)); cease-and-desist orders, civil penalties and restitution actions by the insurance commissioner (§ 481X-12(a), (c)); and liability for an unfair or deceptive act or practice under HRS § 480-2 (§ 481X-12(d)).
Quick Answer
Cancellation rights in Hawaii depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 30 days (mailed) / 20 days (delivered at sale), you receive a full refund (minus up to $0 during free look fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $5,000.
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Check your rights under Hawaii law
Key Hawaii Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 30 days (mailed) / 20 days (at sale) (HRS § 481X-7(a)) | Full refund of the purchase price if the contract is returned within the window and no claim has been made |
| Late Refund Penalty | 10% per month (HRS § 481X-7(b)) | Penalty added to a free-look refund not paid or credited within 45 days after the contract is returned |
| Refunds After Free Look | Per contract terms (HRS § 481X-6) | Hawaii sets no statutory pro-rata formula; the contract must state the terms, restrictions or conditions governing return or cancellation |
| No Forced Purchase | Prohibited (HRS § 481X-10(c)) | No person may condition a loan or the sale of any property on the purchase of a service contract |
| Written Disclosures | Mandatory (HRS § 481X-6) | Contract terms, including cancellation terms, must be disclosed to the purchaser |
| Enforcement | Insurance commissioner; UDAP (HRS § 481X-12) | The commissioner can order a provider to stop, impose civil penalties and seek restitution; violations are unfair or deceptive acts under HRS § 480-2 |
Free Look Period
30 days (mailed) / 20 days (at sale) (HRS § 481X-7(a))Late Refund Penalty
10% per month (HRS § 481X-7(b))Refunds After Free Look
Per contract terms (HRS § 481X-6)No Forced Purchase
Prohibited (HRS § 481X-10(c))Written Disclosures
Mandatory (HRS § 481X-6)Enforcement
Insurance commissioner; UDAP (HRS § 481X-12)What Hawaii Law Requires
Your Cancellation Rights
Under Hawaii Service Contracts Law, some F&I products sold in Hawaii may be cancellable or refundable, subject to their contract terms. During the free look period (30 days (mailed) / 20 days (delivered at sale)), you receive a full refund. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Timeline
If you cancel within the free-look window, the provider has 45 days to pay the refund; for later cancellations your contract sets the timing. Failure to comply may result in A 10% per month penalty on free-look refunds not paid or credited within 45 days after the contract is returned (HRS § 481X-7(b)); cease-and-desist orders, civil penalties and restitution actions by the insurance commissioner (§ 481X-12(a), (c)); and liability for an unfair or deceptive act or practice under HRS § 480-2 (§ 481X-12(d)).
Your contract may include cancellation rights that are easy to overlook. We identify the products, check the applicable terms and rules, and estimate what may be refundable.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
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Frequently Asked Questions
Can I cancel my extended warranty in Hawaii?
Yes. Under HRS § 481X-7, you can return a service contract within 30 days after it was mailed to you (or 20 days if it was delivered at the sale) for a full refund if no claim was made. After that, Hawaii sets no refund formula, so your contract's cancellation terms control (HRS § 481X-6).
What happens if a Hawaii dealer is late refunding me?
If you returned the contract within the free-look window, a 10% per month penalty is added to a refund not paid or credited within 45 days after the return (HRS § 481X-7(b)). For cancellations after the free look, the timing follows your contract.
Does Hawaii regulate service contracts separately from insurance?
Yes. HRS Chapter 481X specifically governs service contracts, treating them separately from insurance. Providers must comply with registration, disclosure, and refund requirements.
Where do I file a complaint in Hawaii?
File complaints with the Hawaii Department of Commerce and Consumer Affairs at (808) 587-4272 or the Hawaii Office of Consumer Protection at (808) 586-2634.
Hawaii Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Hawaii's laws compare to its neighbors and other states:
Guides
See What You May Be Owed in Hawaii
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