Tam D.
Deducted past clams against unused prepaid premium on refund request
Purchased an extended warranty for my Model X, then cancelled it after I sold the car. Requested a refund for the unused prepaid premium, which was a little over $2K. They then deducted past claim amounts against the unused prepaid premium, so the net "refund" amount came to a little over $6. Asked the Rep shouldn't the claim amounts have been paid for by past paid premium, and not by the unused prepaid premium, and she said that's their policy. Basically they don't want to give any unused prepaid premium back so make sure you use up as much claim as you can before you cancel.
Response from XCare EV Protection™Nov 4, 2025
Our policy like most others is to offer pro-rata refunds less any time/miles that have elapsed through the term, minus any paid claims. Seems like XCare worked as intended for you.



