Can I cancel dealer add-ons after buying a car?

Yes. Most optional products added by a dealership during the F&I process include a cancellation clause. These include GAP insurance, extended warranties, service contracts, and paint protection. In California you have 60 days for a full refund. In most other states the window is 30 days. After that, a pro-rata refund is usually available for the unused portion.

How do I cancel GAP insurance?

Contact the finance department at the dealership where you bought your car. Ask them to cancel your GAP policy and provide a Cancellation Request Form. If your car is financed, the refund typically goes toward your loan balance.

How do I cancel an extended warranty from a dealer?

Go to the dealer's finance department and request cancellation of your vehicle service contract. Ask for the Cancellation Request Form, fill it out, and keep a copy. The refund is usually prorated based on time or mileage remaining.

Sherlock5 is a tool that reads your car purchase paperwork and identifies dealer add-ons you may be able to cancel. Upload your documents and get a free scan. If there are cancellable items, a full report with step-by-step cancellation instructions costs $19.

How long does the free scan take?

About 20 seconds. Upload your paperwork, and Sherlock5 identifies any add-ons and checks cancellation terms in your documents.

Terms of Service

Last updated April 1, 2026 · Explain Lab LLC

By using Sherlock5 at sherlock5.com, you're agreeing to these terms. They're an agreement between you and Explain Lab LLC, a California limited liability company.

What Sherlock5 is — and isn't

Sherlock5 is an automated tool that reads car purchase paperwork and identifies potential dealer add-ons that may be cancellable. That's it. It's not a law firm. It doesn't give legal advice. No attorney-client relationship is created by using it.

Results are based entirely on what you upload and may contain errors. Whether you're actually able to cancel an add-on and receive a refund depends on your specific contract, your lender, your dealer, and your state's laws. We can't guarantee any particular outcome.

Who can use this

You must be at least 18 years old. By using the service, you're confirming that you are.

Your paperwork

When you upload files, you're confirming that you have the right to submit them. Please don't upload anything containing other people's personal information without their consent.

Payment

Some features require a one-time payment at the price shown at checkout. All sales are final.

If a technical failure on our end prevents your paperwork from being processed, contact us at info@sherlock5.com. We'll make it right — either by reprocessing your submission or issuing a refund.

No guarantees

The service is provided as-is. We don't guarantee it will always be available, error-free, or perfectly accurate. Always verify important information before acting on it.

Our liability

If something goes wrong, our liability is limited to what you paid for the transaction in question. We're not responsible for indirect or consequential damages.

Governing law

These terms are governed by California law. Any disputes will be handled in California courts.

Changes

We may update these terms at any time. The date at the top reflects the latest version. Continuing to use the service after an update means you accept the new terms.

Explain Lab LLC · info@sherlock5.com · California, United States