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 York Extended Warranty Cancellation Guide
Under New York Insurance Law Article 79, New York gives you the right to cancel and receive refunds on F&I products. You have a 20 days (mailed) / 10 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 made within 30 days of the contract's return (N.Y. Ins. Law § 7905(n)).
Quick Answer
Cancellation rights in New York depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days (mailed) / 10 days (delivered at sale), you receive a full refund (minus up to Varies by contract fee). Refunds must be issued within 30 days. You can sue in Small Claims Court for up to $10,000.
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Check your rights under New York law
Key New York Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 20 days (mailed) / 10 days (delivered at sale) (N.Y. Ins. Law § 7905(n)) | Full refund of the purchase price if you return the contract in the window and no claim has been made |
| Free-Look Refund Deadline | 30 days (N.Y. Ins. Law § 7905(n)) | A free-look refund must be made within 30 days of returning the contract |
| Late Refund Penalty | 10% per month (N.Y. Ins. Law § 7905(n)) | A 10% monthly penalty is added to a free-look refund not made within 30 days of return |
| Cancellation Terms | No statutory fee cap (N.Y. Ins. Law § 7905(k); 11 NYCRR 390.5(a)) | The contract must state its termination terms and any limits on your right to a refund of the provider fee |
| Provider Cancellation Notice | 15 days (N.Y. Ins. Law § 7905(k)) | The provider must mail written notice stating the effective date and reason at least 15 days before cancelling, except for nonpayment, material misrepresentation or substantial breach |
| Small Claims Access | $10,000 (NYC Civil Court; $5,000 in city courts outside NYC and in the Nassau and western Suffolk district courts; $3,000 in town and village courts) | You can sue for your refund in small claims court up to the limit of your local court |
Free Look Period
20 days (mailed) / 10 days (delivered at sale) (N.Y. Ins. Law § 7905(n))Free-Look Refund Deadline
30 days (N.Y. Ins. Law § 7905(n))Late Refund Penalty
10% per month (N.Y. Ins. Law § 7905(n))Cancellation Terms
No statutory fee cap (N.Y. Ins. Law § 7905(k); 11 NYCRR 390.5(a))Provider Cancellation Notice
15 days (N.Y. Ins. Law § 7905(k))Small Claims Access
$10,000 (NYC Civil Court; $5,000 in city courts outside NYC and in the Nassau and western Suffolk district courts; $3,000 in town and village courts)What New York Law Requires
Your Cancellation Rights
Under New York Insurance Law Article 79, some F&I products sold in New York may be cancellable or refundable, subject to their contract terms. During the free look period (20 days (mailed) / 10 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 30 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 made within 30 days of the contract's return (N.Y. Ins. Law § 7905(n)).
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
What happens if a New York dealer is late refunding me?
If you return your service contract within the free-look window and no claim was made, the full refund is due within 30 days; after that, a 10% penalty per month is added (N.Y. Ins. Law § 7905(n)). New York sets no deadline or penalty for cancellations after the free look, so your contract's termination terms control.
Does New York have a free look period?
Yes. Under New York Insurance Law § 7905(n), you can return a service contract within 20 days of the date it was mailed, or 10 days if it was delivered at the time of sale, for a full refund if no claim was made.
Where do I complain about a New York dealer?
File a complaint with the New York Attorney General's consumer protection office. Service contracts are governed by Insurance Law Article 79, so you can also contact the New York Department of Financial Services.
Can I cancel my warranty after the free look period in NY?
Usually, but New York sets no statutory refund formula or fee cap after the free look. Your contract must state its termination terms and any limits on your right to a refund of the provider fee (N.Y. Ins. Law § 7905(k); 11 NYCRR 390.5(a)), so those terms control.
New York 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 York's laws compare to its neighbors and other states:
· Varies by contract max fee
· Varies by contract max fee
10-day free look · Varies by contract max fee
· Varies by contract max fee
20-day free look · Varies by contract max fee
· 10% of pro-rata refund max fee
· Varies by contract max fee
Guides
See What You May Be Owed in New York
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Optional letter only if you act · New York Insurance Law Article 79