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Car Loan GAP or Add-On Insurance Refund After Early Payoff

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Write a letter asking for a refund of GAP or add-on insurance after paying off a car loan early, with evidence and escalation steps.

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Write a refund request for add-on insurance after paying off a vehicle loan early. Inputs I will provide: lender or dealer [LENDER_OR_DEALER], loan details [LOAN_DETAILS], add-ons and cost [ADD_ONS_AND_COST], payoff date [PAYOFF_DATE], terms on refund [REFUND_TERMS], what I ask [DESIRED_REMEDY].

It should ask for pro rata refund and show the arithmetic. Show the arithmetic of a pro rata refund: add-on price multiplied by the share of the term remaining at the payoff date, for example 600 multiplied by 30 of 60 months remaining gives 300 before any admin fee. Ask the lender and the dealer separately which of them holds the premium, request the cancellation form and the refund timeline, and ask for the quote of any fee so I can check it against the contract.

Documents that usually matter: Contract, payoff letter, and add-on terms. Reasonable asks: Pro rata refund. The usual pushback: They may say forms are needed; reply by sending them.

Produce three versions of the letter for the car loan GAP or add-on insurance refund after early payoff, one firm, one neutral, and one final notice, each between 180 and 280 words with the facts held constant. Deliver the letter with a cover note of about 50 words, then an escalation ladder if I am ignored (ask the lender, then dealer, then regulator), and a proof checklist (contract, payoff, terms). Post it by tracked or certified mail with proof of delivery, and keep the tracking page once it shows delivered.

Write it in the first person as a layperson, claiming no legal credentials. Make it steady, civil and clear, without exaggeration, put the date from [DEADLINE] on any request, and flag what I cannot prove. Quote no statute or time limit from memory; use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] only as I give them, and remind me to check the law with a qualified adviser. None of this is legal advice.

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Dear Finance Department,
I paid off my loan (account 6671) in full on 15 May, 30 months into a 60-month term. The contract (attached) lists a GAP product for 600. Pro rata, the unused portion is 600 x 30/60 = 300, before any admin fee stated in the contract.
Please send the cancellation form, tell me whether you or the dealer holds the premium, state any fee, and refund the balance to me within 30 days. The payoff letter is attached.

• loan