Review your GAP insurance contract for cancellation and refund terms
Gather your vehicle purchase documents, GAP policy, loan payoff statement, and proof of cancellation reason
Contact the dealership’s finance or insurance department
Request a GAP insurance cancellation form or refund request form
Complete the required paperwork accurately
Submit all requested documents to the dealership or lender
Confirm whether the refund goes to you or directly to the lender
Ask for a written confirmation of your cancellation request
Follow up regularly until the refund is processed
Check your loan balance to ensure the refund was applied correctly
Escalate to the lender, GAP provider, or state insurance department if the dealership does not respond
Keep copies of all forms, emails, receipts, and call records