CCQ-1991 - Civil Code of Québec

Full text
2540. Where the insured property, or part thereof, has never been imperilled, the premium, or a proportionate part thereof, is returnable.
Where the property has been insured lost or not lost and has arrived in safety at the time when the contract is concluded, the premium is not returnable unless, at such time, the insurer knew of the safe arrival.
1991, c. 64, a. 2540.