Section 483 Of Chapter 5. The Premium From California Insurance Code >> Division 1. >> Part 1. >> Chapter 5.
483
. A person insured is entitled to a return of the premium:
(a) When the contract is voidable, on account of the fraud or
misrepresentation of the insurer.
(b) When the contract is voidable on account of facts, of the
existence of which the insured was ignorant without his fault.
(c) When, by any default of the insured other than actual fraud,
the insurer did not incur any liability under the policy.