Be careful cancelling your GAP coverage. RVs depreciate so much that if it did get wrecked, you will likely find yourself FAR underwater without the GAP coverage. You could always walk away but you would ruin your credit for years in the process. The big hazard of buying an RV on credit. As for the service plans, 2M2 is probably right as you have been in it long enough what you get from the cancellation won't be a lot. Crunch the numbers and try to determine if it will be worthwhile to you. As miserable as those contracts are and are such a pain to collect on, you do have SOME protection from them. The pittance they will refund to you may not be worth it.