How to Cancel CARCHEX Extended Auto Warranty (2026 Guide)

Cancel CARCHEX by Phone

1. Call 1-877-207-4554
2. Say you want to cancel your vehicle service contract
3. Have your contract number ready (check your email or paperwork)
4. They'll try to keep you — be firm if you want to cancel
5. Ask for your prorated refund amount
6. Request written cancellation confirmation via email

Cancel in Writing (Backup)

Send a cancellation letter to strengthen your case:

Refund Details

• Within 30 days: Full refund, no questions asked
• After 30 days: Prorated refund based on time/mileage remaining, minus $50 cancellation fee
• Claims filed: Any claims paid out are deducted from your refund
• Timeline: Refund typically takes 4-6 weeks
• Monthly payments: Stop after cancellation processes — you won't be charged again

Is an Extended Warranty Worth It?

For most people, extended auto warranties are bad math:

• Average cost: $2,000-5,000 over the contract term
• Average payout: Most people never file a claim, and those who do often get less than they paid
• Better alternative: Put $100/month into a "car repair fund" savings account — you keep the money if you don't use it
• Exception: May be worth it for luxury/European cars with expensive repair costs (BMW, Mercedes, Audi)

Watch Out For Auto Warranty Scams

If you're getting robocalls about your "car's extended warranty":

• These are almost always scams — not from CARCHEX or your dealer
• Never give credit card info to unsolicited callers
• Report to the FTC at reportfraud.ftc.gov
• Register on the Do Not Call list at donotcall.gov