In theory, yes, you should be entitled to recover the premiums you paid under a theory of "breach of contract": the insurer was breaching or violating its obligations by not providing what you were paying for.In practice, it may be difficult: if they will not voluntarily repay you, typically, you'd have to sue for the money (e.g. in small claims court). There you would have to prove they would not have covered you, which could be difficult if they now deny it: since no accident in fact occured, and there is no instance of them denying coverage, we don't know for a fact what would have occured had you submitted a claim. So unless they have given you a written admission which you could produce in court, you'd have to count on having someone from the insurer admit the lack of coverage in court.