买车时一次性付掉的**延长质保**和 **GAP 保险**，在提前还清车贷、卖车置换或车辆全损之后，未使用的部分通常可以按比例退。 **但它几乎从不自动发生。** 卖你保单的是经销商、承保的是另一家公司，两边都默认对方会处理；而按合同，退款可能要先退到原贷款账户。结果是：很多人根本不知道有这笔钱，也没有人会提醒。 填上保费、总期限（月数与里程）和已用部分，代码算**两种口径分别退多少**——按月剩余比例、按里程剩余比例——并指出**哪一种对你不利**。这一步是重点：合同里常见的写法是「按月与按里程孰低」，而多数人只算了对自己有利的那一种，谈的时候底气就没了。如果合同没写「孰低」，那就按对你有利的那种主张，并要求对方指出条款依据。 还有几个容易踩的点：GAP 通常只按时间比例、且**实际赔付过之后一般不再退**；全损时**延保那一份往往仍有剩余可退**，而它最常被忘记；卖车时经销商说「已经在置换价里算过了」，要求他指出在哪一行——**拿不出来就是没算**。 $2 解锁按情形的申请材料清单与书面申请信、催办与升级路径、以及对方推诿时逐句的应对。The **extended warranty (VSC)** and **GAP policy** you paid for up front when buying the car are usually refundable pro rata once the loan is paid off early, the car is sold or traded, or it's written off. **But it almost never happens by itself.** The dealer sold the policy, another company underwrote it, and each assumes the other handles cancellations — and the refund may contractually go to the lienholder first. So most people never learn the money exists, and nobody volunteers it. Enter the premium, the term in months and miles, and what you've used, and the code computes **both bases** — remaining months and remaining mileage — and points out **which one is worse for you**. That's the part that matters: contracts commonly say the refund is the *lesser* of the two, while most people compute only the flattering one and lose the argument. If the contract doesn't say "lesser of", claim the favourable basis and ask them to cite the clause. A few traps: GAP is normally time-based only and **usually isn't refundable once it has actually paid out**; after a write-off the **warranty portion often still has value**, and that's the one people forget; and when a dealer says it was "already accounted for in the trade-in", ask them to point at the line — **if they can't, it wasn't**. $2 unlocks the document checklist and written request letter for each scenario, the follow-up and escalation path, and replies to each standard brush-off.
按情形（还清／卖车／全损／转贷）分别的申请材料清单、可直接发出的书面申请信与催办信、退款去向的确认方法（退到贷款账户还是给你）、以及对方推诿时逐句的应对与升级路径。Document checklists by scenario, a written cancellation request and follow-up letter you can send, how to confirm where the refund actually goes, and replies to each standard brush-off with the escalation path.
**本工具只做按比例计算，不提供法律、保险或财务意见，也不代表任何承保方或经销商的实际退款口径。** 能否退、按哪种口径退、扣多少手续费、是否有申请期限、退款支付给谁，**完全取决于你签署的那份合同与所在司法辖区的规定**——各州各国各公司差异极大，本工具刻意不提供任何期限、比例或费用的通用数字。计算结果是**估算**，不是你能拿到的金额。GAP 保险在实际赔付后通常不再退还保费；延长质保若已发生理赔，也可能影响退款金额。请以合同原件与承保方的书面答复为准；如遇拒绝或长期推诿，可向承保方所在地的保险监管机构或消费者保护部门反映。你填写的内容不入库。**This computes proportions only. It is not legal, insurance or financial advice and does not represent any underwriter's or dealer's actual practice.** Whether a refund is due, on which basis, what fee applies, whether a filing deadline exists and who receives the money depend entirely on **your signed contract and your jurisdiction** — these vary enormously, and no generic deadlines, rates or fees are given here, deliberately. The output is an **estimate**, not the amount you will receive. GAP premiums are generally not refundable once the policy has paid out, and prior warranty claims may reduce a refund. Rely on the contract and the underwriter's written response; if refused or stalled, raise it with your state insurance regulator or consumer protection authority. Nothing you enter is stored.