Just started going through this myself. Bought a Ram in August 2015, didn't want the warranty as I told the salesman I'd put 100km on it in three years. He told me I should still buy it. I asked if I could get the refund when I hit 100km, he said no, you have to wait the full 5 years. Sent in all the required paperwork and with 160km on it, I was denied the refund as the warranty expired before the end of the term. Called the salesman when I got the letter and he says he didn't sell it to me, that I bought it and should have done my due diligence.