Refund Guide
Mercedes-Benz GAP Insurance Refund
Paid off your Mercedes-Benz early? You are likely owed a refund on your First Class Guaranteed Auto Protection. Dealers rarely send this automatically. Here is how to claim your money.
Refund Eligibility
First Class GAP is fully refundable if canceled within 60 days. After 60 days, or upon early payoff, you are entitled to a pro-rata refund of the unearned premium.
When You Get a Refund
Paid Off Early
Refinanced or paid cash before the loan term ended.
Traded In
Traded your Mercedes-Benz for a new car before loan maturity.
Total Loss
Car was totaled and insurance paid out (even if GAP didn't pay).
Calculate Your Mercedes-Benz 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
Send a written cancellation request and proof of payoff to your selling dealer or MBFS. 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 Mercedes-Benz Financial Services or the dealer principal.