State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
New Hampshire F&I Product Cancellation Rights
Under New Hampshire Consumer Guaranty Contracts Act, New Hampshire gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Consumer Protection Act penalties plus Insurance Department enforcement.
Quick Answer
In New Hampshire, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $10,000.
Purchased F&I products in New Hampshire?
Check your rights under New Hampshire law
Key New Hampshire Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Guaranty Regulation | Active (RSA 415-C) | Service contracts comprehensively regulated under state law |
| Provider Registration | Required | Providers must register with NH Insurance Department |
| Financial Backing | Mandatory | Providers must maintain adequate reserves or insurance |
| Clear Disclosures | Required | All terms and exclusions must be in plain language |
| Consumer Protection | Active (RSA 358-A) | Additional protections under Consumer Protection Act |
Consumer Guaranty Regulation
Active (RSA 415-C)Provider Registration
RequiredFinancial Backing
MandatoryClear Disclosures
RequiredConsumer Protection
Active (RSA 358-A)What New Hampshire Law Requires
Your Cancellation Rights
Under New Hampshire Consumer Guaranty Contracts Act, New Hampshire consumers have the right to cancel F&I products purchased from dealers. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
How It Works
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State-Specific Citations
Maximum refund amounts
"Cancelled the service contract after reading the fine print. Half the repairs I'd need weren't even covered. Got $1,250 knocked off my loan."
— Manchester, NH
$29 to recover up to $1,050. That's a 36x return.
Frequently Asked Questions
Can I cancel my extended warranty in New Hampshire?
Yes. Under RSA 415-C, consumer guaranty contracts must include cancellation provisions. New Hampshire requires providers to register with the Insurance Department and maintain financial backing to guarantee refunds.
What recent changes affect NH service contracts?
Effective January 2025, New Hampshire enhanced protections under RSA 415-C to cover manufacturers' service contracts and strengthened registration and disclosure requirements for all service contract providers.
What if a NH dealer uses deceptive warranty practices?
You can file a complaint under the New Hampshire Consumer Protection Act (RSA 358-A), which prohibits unfair or deceptive practices. The NH Insurance Department also investigates service contract provider complaints.
Where do I file a complaint in New Hampshire?
Contact the New Hampshire Attorney General Consumer Protection Bureau at (603) 271-3641 or the NH Insurance Department at (800) 852-3416.
New Hampshire 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 New Hampshire's laws compare to other states:
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Average New Hampshire recovery: $1,050 · Based on New Hampshire Consumer Guaranty Contracts Act