Section 80
SEC. 80. If a peril insured against has existed, and the insurer has been liable for any period, however short, the insured is not entitled to return of premiums, so far as that particular risk is concerned.
SEC. 80. If a peril insured against has existed, and the insurer has been liable for any period, however short, the insured is not entitled to return of premiums, so far as that particular risk is concerned.
Source: Supreme Court E-Library, Republic of the Philippines. Philippine laws are public documents (works of the government).