What is the ruling on reclaiming car insurance premiums that were paid in advance to insurance companies?

The questioner : Shaykh, what is the ruling on reclaiming insurance premiums, specifically car insurance, even after a long time? The situation is as follows: A person owned a car, for example, from the year 1400 to 1402, and paid the installments, but no accident occurred, praise be to Allah. Then he sold the car, and after five years he bought another car and paid an installment. An accident occurred and the car was completely destroyed, as you say, terribly destroyed. So, they gave him an amount greater than the installment. Does this count from the past?

The Shaykh : What I know is that insurance companies are different, and the car owner might insure with one company in this year and with other companies in the second and third years, is that not the case with you?

The questioner : We have only one government company.

The Shaykh : Ah, yes, so he takes what he paid and does not add to it.

The questioner : And it counts from the past? And it is considered from the past?

The Shaykh : Yes, as long as it is the same company.

The questioner: All right.