How much can I recover canceling my extended warranty in New Hampshire?

Extended-warranty refunds in New Hampshire are calculated pro-rata: the unused portion of the contract term (or mileage) determines the refund, minus any capped cancellation fee. The math is simple: divide your warranty cost by total months, then multiply by the months remaining. Higher-priced products and earlier cancellation leave a larger unused portion.

How long does New Hampshire give dealers to process my refund?

New Hampshire does not set a specific statutory refund deadline, but a reasonable timeframe under industry practice is 30 to 60 days. If your provider drags it out beyond that, document each follow-up and escalate to the state attorney general or insurance regulator. Sending your cancellation by certified mail creates a clear timestamp of when the obligation began.

Do I need to return the vehicle to cancel my warranty in New Hampshire?

No. New Hampshire consumers can cancel a service contract or extended warranty without returning, surrendering, or even taking the vehicle in for inspection. Cancellation is a paperwork transaction between you and the contract provider. The dealership cannot make vehicle return a precondition for processing your refund.

What if my New Hampshire dealer refuses to cancel my add-on product?

If a New Hampshire dealer or provider refuses a valid cancellation, you have several escalation paths. RSA 415-C:10 lets the Insurance Commissioner impose a civil penalty up to $1,000 per violation ($10,000 if willful) plus restitution, which gives regulators real teeth. You can file a complaint with the New Hampshire Attorney General, the state insurance department, and ultimately sue in small claims court (limit $10,000) for the refund.

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.

New Hampshire Extended Warranty Cancellation Guide

Under New Hampshire Consumer Guaranty Contracts Law, New Hampshire gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Civil penalties imposed by the Insurance Commissioner of up to $1,000 per violation ($10,000 if willful), restitution and cease-and-desist orders, and registration suspension or revocation (RSA 415-C:10), plus a consumer suit for damages once a violation finding is final (RSA 415-C:10-a).

Quick Answer

Cancellation rights in New Hampshire depend on the product and contract. Upload yours to see which add-ons appear cancellable. You can sue in Small Claims Court for up to $10,000.

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Check your rights under New Hampshire law

Key New Hampshire Provisions

Provision	Requirement	Your Right
Consumer Guaranty Regulation	Active (RSA 415-C)	Service contracts, including those on motor vehicles, are regulated as consumer guaranty contracts (RSA 415-C:1, III(b)(1))
Provider Registration	Required (RSA 415-C:3)	Obligors must register with the Insurance Commissioner before selling or administering contracts
Cancellation Fee Cap	Lesser of 10% or $75 (RSA 415-C:7, II(f))	Cancellation fee cannot exceed the lesser of 10% of the contract price or $75, and it must be disclosed in the contract
Pro-Rata Refund	Required for contracts of 12 months or more (RSA 415-C:7, II(f))	Unearned contract fees must be refunded on cancellation; fees are earned pro rata over the length of the contract
Financial Backing	Mandatory (RSA 415-C:4)	Obligors must post a bond and keep a reserve account, insure contracts under a reimbursement policy, or meet a $25,000,000 net worth test
Clear Disclosures	Required (RSA 415-C:6)	Contracts must be in clear language and state the price, coverage, exclusions and cancellation terms
Consumer Protection	Active (RSA 358-A)	Additional protections under Consumer Protection Act

Consumer Guaranty Regulation

Active (RSA 415-C)

Service contracts, including those on motor vehicles, are regulated as consumer guaranty contracts (RSA 415-C:1, III(b)(1))

Provider Registration

Required (RSA 415-C:3)

Obligors must register with the Insurance Commissioner before selling or administering contracts

Cancellation Fee Cap

Lesser of 10% or $75 (RSA 415-C:7, II(f))

Cancellation fee cannot exceed the lesser of 10% of the contract price or $75, and it must be disclosed in the contract

Pro-Rata Refund

Required for contracts of 12 months or more (RSA 415-C:7, II(f))

Unearned contract fees must be refunded on cancellation; fees are earned pro rata over the length of the contract

Financial Backing

Mandatory (RSA 415-C:4)

Obligors must post a bond and keep a reserve account, insure contracts under a reimbursement policy, or meet a $25,000,000 net worth test

Clear Disclosures

Required (RSA 415-C:6)

Contracts must be in clear language and state the price, coverage, exclusions and cancellation terms

Consumer Protection

Active (RSA 358-A)

Additional protections under Consumer Protection Act

What New Hampshire Law Requires

Your Cancellation Rights

Under New Hampshire Consumer Guaranty Contracts Law, some F&I products sold in New Hampshire may be cancellable or refundable, subject to their contract terms. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.

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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See What You May Be Owed Under New Hampshire Law

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State-Specific Citations

Maximum refund amounts

What you'll see before you decide

A document-specific answer, not a generic promise:

The amount at issue, itemized
The rules or contract terms that appear applicable
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Frequently Asked Questions

Can I cancel my extended warranty in New Hampshire?

Yes. Under RSA 415-C, consumer guaranty contracts must include cancellation provisions, and any cancellation fee is capped at the lesser of 10% of the contract price or $75 (RSA 415-C:7). New Hampshire requires providers to register with the Insurance Department and maintain financial backing to guarantee refunds.

What recent changes affect NH service contracts?

Amendments that took effect January 1, 2025 (2024 N.H. Laws ch. 166) require obligors to file their contract forms with the Insurance Department (RSA 415-C:3-a) and revised the registration and prohibited-practice rules (RSA 415-C:3, 415-C:7). Manufacturers' service contracts on their own products remain outside the chapter (RSA 415-C:1, III(c)(9)).

What if a NH dealer uses deceptive warranty practices?

Under RSA 415-C:10, the Insurance Commissioner can impose a civil penalty of up to $1,000 per violation ($10,000 if willful) plus order restitution to consumers. You can also file a complaint under the New Hampshire Consumer Protection Act (RSA 358-A), which prohibits unfair or deceptive practices.