Cancellation Policy

You may cancel this Contract at any time by informing the Administrator of Your cancellation request. The following cancellation provisions apply to the original purchaser of this Contract only. For the purpose of this provision, "Pro-Rata" means the calculation method We will use when determining any due refund to You; which is as follows: the number of days the Contract has been in force, OR the number of miles the Vehicle has accumulated based on the "Term Months" shown on the Declaration Page and Contract Term; whichever is GREATER. All refunds will be issued by the dealer who sold You this Agreement. In the event the dealer is not currently doing business, contact the Administrator.

1. If Your cancellation request is within 60 days of the Contract purchase date, You will receive a 100% refund of the Contract purchase price paid by You, minus any Claims paid by Us (except in MO and NV where Claims deduction is prohibited). If Your refund is not paid or credited within 60 days after Your cancellation request to Us, We will add an extra 10% to Your due refund for every 30 days the refund is not paid by Us.
2. If Your cancellation request is made after 60 days of the Contract purchase date, You will receive a Pro-Rata refund of the Contract purchase price paid by You less a cancellation fee of twenty-five dollars ($25) or 10% of the Contract purchase price paid by You; whichever is less (except in NH where fee is prohibited), and minus any Claims paid by Us (except in MO and NV where Claims deduction is prohibited). In no event will any cancellation fee exceed twenty-five dollars ($25).
3. We may only cancel this Contract for the following reasons: (A) non-payment of the Contract purchase price/fee by You; (B) material misrepresentation by You or fraud; or (C) substantial breach of duties under this Contract by You in relation to the covered Vehicle or its use (In CA: "(C)" is not applicable).
   • If We cancel this Contract, We will provide written notice to You at least 30 days prior to the effective date of cancellation. Such notice will be sent to Your current address in Our file (email or physical address as applicable), with the reason for and effective date of such cancellation. If We cancel this Contract, any due refund will be considered based upon the same criteria as outlined in items "1" and "2" above.

If the Vehicle and this Contract have been financed, the lienholder shown on the Declaration Page may cancel this Contract for non-payment or if the Vehicle is declared a total loss or is repossessed. This right of cancellation does not confer ownership of this Contract to the Lienholder or otherwise entitle the Lienholder to performance under this Contract. (In AL: Any refund may be credited to any outstanding balance of Your account and the excess, if any, returned to You.) In the event there is an approved, but incomplete, Claim during a cancellation event, such Claim will still be honored and fulfilled in accordance with the terms and conditions of this Contract.