Premiums to be paid back?

I am very unhappy with the fact that I have a car on my name, covered by my insurance, that was sold to me with prior accident damage. Now I've taken this matter up with MIOSA, won the case. Now in Legal proceedings, also reported to NCC, as the dealer still refuses to comply. Why if I have all the proof and the car is sold or the deal is uplifted, why can I not ask for these insurance premiums back if NO claim was filed against this vehicle while in my possession. I feel this is highly unfair.