Cancel a GAP waiver in Washington
General information, not legal advice. Laws change. Facts last checked on 13 November 2026 against the sources linked.
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GAP waiver
You have at least 30 days to cancel GAP at no cost, with a full refund if no benefit was paid.
After that it depends on the waiver: the unused part may be refunded unless the waiver says otherwise, if you ask in writing within 90 days of the loan ending. This law does not cover a GAP insurance policy, or GAP from a bank, a credit union or a consumer loan company, unless that company chooses to follow it.
Our summary of the law quoted below. Your contract says what applies to you.
Optional? For GAP that this law covers, a lender may not make the loan, its terms, or the terms of the car sale or lease depend on you buying GAP.
“the date the borrower may cancel the waiver without penalty, fees, or costs to the borrower. This period of time must not be shorter than thirty days.”
More from the law (7)
“the borrower will be entitled to a full refund of the purchase price, so long as no benefits have been provided”
Revised Code of Washington 48.160.060(1)
“or in the event benefits have been provided, the borrower may receive a full or partial refund pursuant to the terms of the waiver”
Revised Code of Washington 48.160.060(1)
“the borrower may be entitled to a refund of any unearned portion of the purchase price of the waiver unless the waiver provides otherwise.”
Revised Code of Washington 48.160.060(2)
“within ninety days of the event terminating the finance agreement”
Revised Code of Washington 48.160.060(2)
“In order to receive a refund, the borrower, in accordance with any applicable terms of the waiver, must provide a written request to the creditor, administrator, or other party, within ninety days of the event terminating the finance agreement.”
Revised Code of Washington 48.160.060(2)
“Guaranteed asset protection waiver agreements may be cancellable or noncancellable after the free look period.”
Revised Code of Washington 48.160.060(1)
“Neither the extension of credit, the term of credit, nor the term of the related motor vehicle sale or lease … may be conditioned upon the purchase of a waiver.”
Not covered yet
These pages do not yet cover paint and fabric protection, tire and wheel protection, key replacement, theft etching or prepaid maintenance plans, and state no rule for them. For questions, read the contract or ask the offices below.
- Paint and fabric protection
- Tire and wheel protection
- Key replacement
- Theft etching
- Prepaid maintenance plans