Cancel a vehicle service contract in Washington
General information, not legal advice. Laws change. Facts last checked on 13 November 2026 against the sources linked.
We name no lender and sell nothing.
Vehicle service contract
If you have made no claim, you can return the contract within 30 days of purchase for a full refund (less a fee of up to $25 from day 10).
After 30 days with no claim, the refund is for the unused part, less a fee of up to $25.
Our summary of the law quoted below. Your contract says what applies to you.
Optional? No lender or seller may require you to buy a service contract as a condition of the loan or the sale.
“every provider shall permit the service contract holder to return the contract within 30 days of its purchase if no claim has been made”
More from the law (6)
“unless the service contract holder returns the contract 10 or more days after its purchase, in which case the provider may charge a cancellation fee not exceeding $25.”
Revised Code of Washington 48.110.075(4)(a)
“If no claim has been made and a contract holder returns the contract after 30 days, the provider shall refund the purchase price pro rata based upon either elapsed time or mileage computed from the date the contract was purchased”
Revised Code of Washington 48.110.075(4)(b)
“less a cancellation fee not exceeding $25.”
Revised Code of Washington 48.110.075(4)(b)
“Within 9 calendar days”
Washington Office of the Insurance Commissioner, Extended warranties and service contracts
“Contract seller can charge you a cancellation fee of no more than $25”
Washington Office of the Insurance Commissioner, Extended warranties and service contracts
“shall not require the purchase of a service contract or protection product as a condition of a loan or a condition for the sale of any property.”
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