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How to Cancel Jeep Gap Insurance

Jeep doesn’t have in-house GAP insurance, but Jeep dealerships partner with well-known GAP insurance companies to sell this coverage. GAP providers can differ depending on the dealership, so the best way to cancel your Jeep GAP policy is to contact the Jeep dealer where you purchased the policy or follow the instructions on your GAP agreement.

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GAP insurance, which is short for Guaranteed Auto Protection or Guaranteed Asset Protection, is a type of optional insurance coverage designed to protect you from financial losses. GAP insurance can help you avoid being left with a loan balance after your car is totaled (due to damage from an accident, fire, or natural disaster) or stolen.

If your car is being stolen or totaled, your auto insurance policy will pay out the full value of the car. Unfortunately, that payout doesn’t always cover the full amount of your loan balance, which could leave you car-less with a four or even five-figure loan balance.

While GAP insurance is a great tool to have in your belt as the owner of a newer car, this coverage becomes less relevant – or even completely useless – in certain situations. When you no longer need GAP insurance, you’ll want to cancel your coverage and potentially get a refund.

Let’s discuss when it makes sense to cancel GAP insurance on your Jeep, how you can actually cancel your coverage, and what to expect along the way.

What do I need to do to cancel GAP coverage on my Jeep?

Ballpoint pen on top of a contract

To cancel GAP coverage on your Jeep, you first need to figure out where you purchased (or leased) your GAP policy.

Once you have your GAP contract in hand, you should be able to find specific cancellation instructions within. Some GAP providers have a specific form you need to complete, while other insurers may allow you to cancel on their website or by phone or email.

There’s no universal answer regarding how to cancel GAP insurance on your Jeep since there isn’t a dedicated Jeep GAP insurance policy. 

The fastest method for canceling your GAP insurance is to refer to your GAP agreement and/or contact the dealership you bought your vehicle from. We did do some research just in case you are having trouble finding this information. In the next section we list 2 GAP insurance providers we found worked with Jeep dealerships.

Who is the GAP insurance provider on my Jeep?

one 3d render of a skyscraper, headquarter of an insurance company

To determine the insurer or the administrator of your GAP policy, you need to look at your GAP agreement or contact the dealership where you bought or leased the vehicle.

Though you may have gotten your Jeep at a dealership, Jeep doesn’t have its own GAP insurance. Instead, each Jeep dealership can partner with different GAP insurance providers to offer coverage on the vehicles they sell.

For example, two companies a Jeep dealership might partner with are CNA National Warranty Corporation and Zurich North America. And, even though these policies are offered through these insurers, they might have an administrator who handles cancellations.

If you have Zurich GAP insurance, you can cancel your policy by contacting the dealership that sold you the coverage. Alternatively, you can get in touch with Zurich directly by calling their customer service team at 888-835-5063 or submitting an online inquiry.

If your GAP coverage is provided by CNA National, you can contact them by phone at 800-345-0191, by email at info@cnanational.com, or by completing their online inquiry form.

When does it make sense to cancel GAP insurance on my Jeep?

Money Leverage And Inflation Balance. Financial Concept

GAP insurance can be a smart way to reduce your risks in the early years of your loan or during your lease term. But, once you have the car for a few years and have paid down a chunk of the loan balance, GAP insurance typically isn’t relevant.

Here are some situations when it makes sense to cancel your GAP insurance coverage.

  • You sold your car
  • You traded in your car for a different vehicle
  • You bought a cheaper GAP insurance policy with the same coverage
  • Your lease is up or you terminated your lease early
  • You paid off your loan
  • Your loan balance is significantly lower than your car’s current value (note that this might happen earlier on some Jeep models that are known to hold their value well, like the Jeep Wrangler)


When you cancel your Jeep’s GAP insurance, you’ll be the one responsible for the full payment of your loan, even if the car is totaled or stolen and your insurance payout doesn’t cover the full loan balance.

You can cancel GAP insurance on a financed car as long as your loan agreement doesn’t require you to maintain GAP insurance.

Most insurers allow you to cancel GAP policy anytime. Just remember that canceling GAP coverage in the early years of your loan or when your loan balance is higher than your car’s value can leave you exposed to an increased risk of financial losses.

After you cancel GAP insurance, the amount of your refund will depend on whether or not you paid up front and how much time was left on the policy. The closer you are to the policy’s end date, the smaller your refund will be.

GAP coverage typically lasts for the full duration of the loan. So, if you have a 72-month auto loan, your GAP insurance will last for the full 6-year term. CNA National, one of the providers of GAP insurance for Jeeps, offers GAP coverage on loans of up to 84 months.

Some GAP insurance providers will have a maximum limit on the payout amount, such as $25,000 or $50,000. Other GAP providers, like CNA, will only provide insurance on vehicles with up to a maximum retail value of $100,000.

GAP insurance protects vehicle owners from certain financial losses but does not provide any type of coverage for the vehicle itself.

Some GAP insurance policies will also cover the cost of your auto insurance deductible up to $1,000. That means that if you get into an accident and have a $1,000 auto insurance deductible and a $5,000 loan balance after your claim, your GAP policy will pay out $6,000.

You’ll usually have to wait around 4 – 6 weeks to receive your GAP insurance refund, though it can vary depending on the situation.

Jonathan Pressman

Jonathan is a writer with over 10 years of experience and a former insurance agent. Jonathan’s focus is to simplify personal finance and help equip you with the tools you need to make smart financial decisions. Despite the criticisms, he remains committed to driving a manual transmission and prides himself on smooth shifting, even in rush-hour traffic.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

Jonathan Pressman

Jonathan Pressman

Jonathan is a writer with over 10 years of experience and a former insurance agent. Jonathan's focus is to simplify personal finance and help equip you with the tools you need to make smart financial decisions. Despite the criticisms, he remains committed to driving a manual transmission and prides himself on smooth shifting, even in rush-hour traffic.

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