It depends upon how you purchased the Gap insurance for your vehicle if you will be due a refund of any type if you pay off the car or trade it in.
If you financed your vehicle and the GAP insurance is part of your vehicle's financed monthly payment then it is doubtful that you would receive any refund for your GAP insurance. If the coverage gets paid for monthly as part of your financed monthly payment then the coverage is used that same month.
If you paid for your gap insurance policy in full, you will need to contact the company you purchased the policy through to see if there is any unused premium which needs to be refunded back to you when you trade in or pay off your car.
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Is Gap insurance transferable if I sell the car?
No, normally Gap insurance is not transferable if you sell or transfer the ownership of your vehicle. If you plan on selling a car that you have Gap insurance coverage on you should contact your Gap insurer to discuss the situation but in general it does not transfer. [Let CarInsurance.com help you find affordable auto insurance now.] | 
