Refund Guide
Ford GAP Insurance Refund
Paid off your Ford early? You are likely owed a refund on your Ford Protect GAP. Dealers rarely send this automatically. Here is how to claim your money.
Refund Eligibility
Refundable upon early payoff or total loss. Full refund if canceled within 60 days. Pro-rata thereafter.
When You Get a Refund
Paid Off Early
Refinanced or paid cash before the loan term ended.
Traded In
Traded your Ford for a new car before loan maturity.
Total Loss
Car was totaled and insurance paid out (even if GAP didn't pay).
Calculate Your Ford Refund
Enter your original contract date and payoff date. Our tool calculates the exact pro-rata amount you are owed under state law.
How to Claim Your Refund
Submit payoff letter or total loss statement to selling dealer or Ford Credit. To ensure you receive your check, you must typically provide:
- Payoff Letter: From your lender showing the loan is paid in full.
- Odometer Statement: If traded in (showing mileage).
- Cancellation Request: A formal written demand.
Dealers often ignore informal emails. Our tool generates a formal legal demand letter addressed to Ford Credit or the dealer principal.