The car already comes with the free Gold Certified warranty: 7yr/100k powertrain + 12mo/12k comprehensive, $0 deductible. The paid plan looks like it mostly overlaps that — comprehensive year 1, then powertrain-only after. It also excludes the hybrid battery and, per the contract, can’t transfer to another vehicle (only to a future buyer). I’ll likely trade it in around 5 years. Finance manager is resisting the cancel — says the refund “only comes at the end of the loan,” and that “Gold Certified isn’t really a warranty.” Questions: 1. Worth cancelling a $4,906 warranty on a CPO Toyota that already has 7yr/100k powertrain, if I’ll trade in ~5 years? 2.…
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