GAP Insurance Refund Letter Template (Free, Copy & Paste)
Last verified: July 2026
Quick answer: Copy the letter below, fill in the bracketed fields with your details, print it, and mail it certified to your GAP administrator with your payoff proof and GAP addendum copy. The letter requests cancellation, a prorated refund, and written confirmation — everything your provider needs to process your claim.
Refund Request Letter
[Your Name]
[Your Address]
[City, State ZIP] · [Phone] · [Email]
[Date]
[GAP Administrator Name]
Attn: Cancellations Department
[Administrator Address from your GAP addendum]
Re: GAP cancellation and refund request
GAP Contract/Addendum No.: [number] · Loan Account No.: [number]
Vehicle: [Year Make Model] · VIN: [17-character VIN]
To Whom It May Concern:
I am requesting cancellation of the above GAP coverage effective [loan payoff date], as my loan was [paid in full / refinanced / terminated by vehicle sale or trade-in] on that date. Please issue a refund of the unused portion of my GAP fee per the cancellation terms of my agreement, and send written confirmation of the cancellation and the refund calculation.
Enclosed: proof of loan payoff and a copy of my GAP addendum.
Sincerely,
[Signature]
[Printed Name]Before you send
Attach payoff letter + GAP addendum copy. Include proof your loan was paid off and a copy of your GAP addendum — these are the two documents your administrator needs.
Send certified mail with return receipt. USPS Certified Mail creates legal proof of delivery that cannot be lost or ignored.
Keep copies of everything. Save a copy of the letter, all enclosed documents, and the certified-mail tracking number for your records.
Calendar a 30-day follow-up. If you haven't received confirmation or your refund within 30 days, send a follow-up letter referencing your original certified-mail tracking number.
Related resources
Prefer it done for you?
We prepare everything, mail it certified, and follow up — flat $79, refunded if your claim is denied or ignored.
Frequently asked questions
Where do I send this letter?
To the GAP administrator named on your addendum — usually not your dealer or lender; the cancellation section lists the address.
Do I need a special form instead of a letter?
Many administrators accept a written letter; some require their own cancellation form — call the number on your addendum or check their website, and send the letter alongside the form if unsure.
Disclaimer
This template is provided for informational and educational purposes only. It does not constitute legal, financial, or insurance advice. GAP insurance regulations vary by state and are subject to change. Consult with a licensed insurance professional or attorney in your jurisdiction for advice regarding your specific situation.