How to Cancel Tire and Wheel Protection

Tire and wheel protection is usually a separate service contract you can cancel after signing by sending a written request to the administrator named on it. Many contracts refund the full price if you cancel within an initial window — often 30 to 60 days — with no claims, and a prorated amount after that, minus any cancellation fee.

Full refund vs. prorated refund

Inside the full-refund window (often the first 30–60 days, if you haven't filed a claim): many contracts return the whole price.

After the window: the refund is usually prorated — by time, by miles, or by whichever gives the smaller refund — and then reduced by any claims paid and a cancellation fee. The exact formula is in your contract's cancellation section.

Check what you already have

Before deciding, check whether your auto insurance, roadside assistance, or manufacturer coverage already covers road hazard damage. Many policies already cover some of what this product sells.

Who to contact

• The administrator named on the tire & wheel contract — they process the refund.
• The dealer's business office — copy them; some contracts need a dealer signature.
• Your lender — to confirm the refund was received and applied to your balance.

The steps

If it was sold as part of a bundle, ask for the price of each piece in writing — you may be able to cancel just the parts you don't want.

Copy-paste cancellation letter

[Date]

To: [Administrator name — printed on your tire & wheel protection contract]
[Administrator mailing address or email]
Copy to: [Dealership name], Business Office / Finance Office Manager

Re: Request to cancel tire and wheel protection contract
Contract number: [number]
Contract holder: [your full name]
Vehicle: [year, make, model] — vehicle identification number [17 characters]
Purchase date: [date]
Current odometer: [miles] (dated photo attached)
Lienholder: [lender name], account [number]

I am cancelling the tire and wheel protection contract listed above, effective today. Please process my refund under the contract's cancellation terms and send it to the lienholder listed above, to be applied to my loan balance. [If your loan is paid off, replace this with: please send the refund to me at the address below.]

Please send me written confirmation of the cancellation, the refund amount, how it was calculated, and the date it is issued.

I have not filed any claims under this contract. [Delete this sentence if you have.]

Sincerely,
[Your name]
[Mailing address] · [Phone] · [Email]

Dealer not cooperating? Use the escalation ladder — it works the same for any add-on service contract.

Next money move: your rate

A refund lowers your loan balance. See whether a lower rate would change the payment on what's left.

Common questions

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