Your 14-day cooling-off period
Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, contracts entered into at a distance (such as online or by phone) generally come with a 14-day cooling-off period, during which you can cancel for a full refund. Several providers we've researched build this directly into their own warranty terms — Jaguar's own Extended Warranty and Fiat's Extended Care Premium Warranty, for example, both explicitly confirm a 14-day cancellation right in their official terms.
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Once the 14-day window has passed, cancellation terms vary significantly by provider — there's no single rule that applies across every warranty. Some providers offer a pro-rata refund (a partial refund reflecting the unused portion of your cover), sometimes minus an administration fee. Others may not offer any refund once the policy has been active for a certain period, or if you've already made a claim.
WORTH KNOWING
Always check your specific policy documents before assuming you'll get a refund for cancelling outside the cooling-off period — this varies enough between providers that a generic answer would be misleading. If you're unsure, contact your provider directly and ask them to confirm your specific cancellation terms in writing.
How to actually cancel
- Contact your provider directly — most accept cancellation requests by phone or in writing
- Have your policy number and vehicle registration ready
- Ask for written confirmation of the cancellation and any refund due
- If you're mid-way through switching to a different provider, consider timing the cancellation so you're not left without cover in between
Frequently asked questions
Can I cancel a car warranty and get a full refund?
Generally yes, within the first 14 days if you bought it at a distance (online or by phone), under the Consumer Contracts Regulations 2013. After that, it depends on your specific provider's terms.
Do all providers offer a 14-day cooling-off period?
Several providers we've checked build this into their own terms, but always confirm directly with your specific provider rather than assuming.
Will I get money back if I cancel after 14 days?
It depends on the provider — some offer a pro-rata refund, others don't refund once the policy is active. Check your policy documents.
What do I need to cancel a car warranty?
Your policy number and vehicle registration, and it's worth requesting written confirmation of the cancellation and any refund due.